id theft fraud prevention

CreditSecretsBible asked:

www.CreditRepairPublishing.com IDENTITY THEFT PREVENTION How to prevent ID Theft with nothing but your telephone. Listen. You don’t need identity theft insurance. It’s a joke. Have you ever read the guarantees on those things? Has more holes in it than swiss cheese. All they’re doing is charging you to do what you can do yourself. We’re not talking about you doing your own root canal here. Were talking about making a some phone calls… and then setting a reminder on outlook express to make 1 phone call every 90 days. It’s a joke. You don’t need to pay $150 a year (or more) for Identity Theft Insurance. Well, maybe you do, if you want to support someone in an MLM or Network Marketing Company (maybe). Hey, I’ve bought crazy juices, vitamins even a dumb water filter just to get my friends to quit bugging me about their MLM opportunities before. I admit it! There you go. But when it comes to ID THEFT PREVENTION, that’s different. You can do it better yourself. Just watch BOTH videos parts 1 and 2. Together they are worth a couple hundred bucks. No kidding! Listen. You’re going to learn how to get your credit reports not once a year but twice a year – FOR FREE! Not only that. No one is going to be able to get approved for ANY credit ANYWHERE without the creditor first calling you at the telephone number on your credit report! How you like them apples? and… were just getting started. You’re also going to learn how to protect yourself from all the people (like in hospitals in …

Barry

Charles Nash asked:




I wanted to talk to you about the RFID wallet because in the next few years it is going to be something that you must have. This acronym is known as Radio Frequency Identification. The idea behind it was really for inventory purposes by stores. The idea was that instead of having a bar code, you could have a frequency coming off the product. This would make it really easy to track it down if it got lost. This type of system came to light when they came up with a new type of cheap microchip that was so small that the human eye can’t even see it.

You’re probably wondering what this has to do with identify theft or your wallet. As you can guess this technology was intended for a very specific purpose when it came out, but other uses became much more apparent. Today you’re going to find that this technology is going to be on your credit card, bank card and even your passport. I’m not saying that it is there today, but it’s coming to you within a few years. You can probably bet that when your credit card expires that you’ll get a new one with this technology. This is where the RFID wallet is much more useful for you.

Even though we really don’t have the technology now to take advantage of all the wireless features of this type of technology, they’re putting it on to help with identification and possible future methods of payment. For something like your passport, it is designed to prevent fraud.

With this new type of technology, you’re going to get a new type of hacker that is going to try to steal your identify and steal your credit card information. Since your credit card will constantly have a frequency that can be picked up by anyone, you can essentially have your credit card hacked and information stolen.

The RFID wallet is designed to contain the signals that your cards will let off. This means that there is no way that any radio signal is going to get outside the wallet and that means there is no way someone can pick up on the frequency. This is something very important that you’re going to have to get very soon because it is going to be the new firewall against a new type of hacker.

The great thing about these RFID blocker wallets is that they don’t look bulky or weird. You can get them as regular leather type wallets, but they have built in material that completely contains any frequencies that could be broadcasting from your cards.

All of this might seem scary, but the fact is that you shouldn’t be scared. I’m not trying to fill you with paranoia or anything like that. What I’m trying to do is educate you on the subject because within a few years this is the way the technology is going to go. The last thing you want is someone that steals your credit card information simply because you walked by them and they were able to pick up the radio frequency.

Micheal

Steven R Lane asked:




In a perfect world no one has to worry about theft; everyone is always happy; no one ever gets hurt; and you can trust everyone. Unfortunately our world is NOT perfect. Theft prevention is very important to large and small businesses, as well as renters and homeowners.

Recently a local retail store manager said she had busted a nine-year-old child for shoplifting. She brought the issue to the attention of the childs mother and was shocked at the response. The mother knew what her child was doing. The store manager called the police and handed the issue off to local authorities.

A middle-aged man lived in a very nice, quiet neighborhood and owned a very large black dog. For years, the crime in his neighborhood was nearly nonexistent. Everyone in the neighborhood seemingly looked out for each other. He arrived home from work one evening only to find his garage and storage building had been broken into. The thieves had stolen several power tools and everything else they could get their hands on.

These are only two of millions of stories just like them. Theft is a problem worldwide. Thieves do not discriminate due to skin color, gender, orientation or religion. They are not centralized to cities or highly populated areas. With the many cost-effective ways to secure your belongings, it is better to take precautions before something happens.

Professionally installed alarm systems are a great start to help protect your home and belongings. On the other hand, professional thieves are trained to get around alarm systems. Some even see an alarm system as a challenge to overcome. Protecting your home and valuables should include more than just an alarm system.

Hidden cameras are a great way to catch thieves. High quality camera footage can capture great pictures and video of thieves as they are stealing your valuables. Hidden cameras come in a wide array of styles. Some do not even look like a hidden camera at all. Your hidden camera could be virtually any style you choose. For example a hidden camera could be installed on your phone, a radio, a smoke detector or even in a stuffed animal.

For business owners and homeowners alike, cameras and surveillance monitors can save a lot of trouble in finding out who your thieves are. Many large companies, as well as small businesses, have incorporated video surveillance. Some employ security guards to watch the monitors, while others record everything to be played back later in the event of a theft. Wireless monitors are also available for remote surveillance systems.

Hidden cameras or surveillance monitors alone probably are not enough, simply because they do not alert authorities to the crime in action like an alarm system does. A high quality hidden camera or monitor used in conjunction with an alarm system could help prevent or even capture thieves. As the saying goes, an ounce of prevention is worth a pound of cure.

Christina

A Dazhan asked:




Having your identity stolen can create many headaches. Learn about some of the ways it can lead to a real pain for you and your wallet:

-If an identity thief steals a credit or debit card the consumer may be liable for as little as $0-$50, depending on the particular situation. Some consumers consider this a negligible amount, and don’t see the big deal with identity theft. The true cost is in the time and effort required for the consumer to monitor his credit report, and to have any fraudulently opened accounts closed. A consumer can be denied new lines of credit, home loans, or even have existing interest rates raised due to the actions of an identity thief.

-Not using credit or debit cards online does not protect a consumer from identity theft. Many consumers think identity theft occurs primarily online. This is simply false. The likelihood of having credit card information stolen by a server at a restaurant is higher than the risk of the consumers card information being compromised online.

-Credit card information isn’t necessarily taken right before fraudulent charges appear. If a merchant keeps a consumers credit card information on file the theft can occur days, months, or even years after the initial purchase. This means fraudulent charges can be made even if the credit or debit card has not been used in months.

-Consumers in the US are entitled to a free credit report from all three major credit reporting agencies yearly. While this free yearly credit report does not entitle a consumer to their credit score, it does allow for all credit activity reported for that consumer. At the very minimum a consumer should thoroughly check their credit report for errors, false applications, or misreported credit applications yearly. Paying for credit report monitoring, or paying for more frequent credit report access for self monitoring is highly recommended.

-Identity theft insurance may or may not be a good idea. Many companies offer identity theft insurance for a monthly or yearly premium. Since in many cases a consumers financial responsibility due to identity theft can be negligible it is important to find out exactly what the insurance entails. If the company handles the reporting of false information, monitoring for fraudulent activity, or other services above and beyond insuring the consumer from financial damage the service may be worth the charge.

Esther

glenloyd asked:

Consumer Federation of America’s advice on paid ID theft protection and things that you can do yourself for free

Bessie

Wade Robins asked:


Credit card identity theft where your credit card is stolen, your PIN is stolen or someone opens another credit card in your name, can all be particularly damaging to your credit score. Unfortunately a credit score isn’t so easily restored but there are a couple of things you can do to make the best of the situation and restore it as much as possible. In this article we will look at what you should do before and after credit card identity theft in order to best protect and restore your credit score.

The first thing you should do whenever you receive a new credit card is to make photocopies of both sides of the card and file these away in a safe place. This way if your credit card goes missing or you believe it may have been compromised you can immediately put a stop to it.

Regularly request credit reports on your name. These credit reports will show you whether any other credit cards have been opened in your name that you do not know about. The sooner you find out that a card has been opened in your name that is incorrect the sooner you will be able to put a stop to it and prevent any damage from occurring.

Only carry around with you those credit cards that you are going to be using and try to keep a minimum of credit cards.

If you discover that your credit card has gone missing or if there is any chance that your credit card information may have been compromised and used in credit card identity theft then the first thing you should do is to stop the relevant card or cards. Phone the card issuer and let them know that you believe you may have been a victim of credit card identity theft and if they could immediately put a stop to all purchases on the card.

You should also contact one of the credit card bureaus if you believe you have been a victim of credit card identity theft and report the matter to them. They can then put a fraud alert on your credit report which will make it more difficult for anyone to open another account in your name.

File a complaint with the Federal Trade Commission and with the local police station where the ID theft took place and give them a copy of your form from the FTC. For more info see http://www.preventidentitythefthelp.com/Identity_Theft_Protection on identity theft protection.

By following these preventative measures and taking action if you believe you have been a victim of credit card identity theft you will be in a much better place to restore your credit score if anything does happen and will hopefully be able to prevent too much damage taking place from the start.



Curtis