id theft fraud prevention

June 27, 2011

Fake Britain on ID fraud 3 of 3

Filed under: Id Fraud — Tags: , , — admin @ 4:46 am


From the BBC FakeBritain series – which we regard as a public service that deserves the widest possible audience. Important insights into the ease with which identity can be compromised – even in Britain’s surveillance state. 3 of 3
Video Rating: 5 / 5



Israel – Jerusalem Police on Sunday raided the offices of three ultra-Orthodox non-profit organizations, which operate yeshivas in the capital and nearby towns of Beit Shemesh and Beitar Illit. Officers believe that the organizations embezzled millions from the State. The haredi institutions are suspected to have produced fake IDs in order to receive monthly stipends from the Education Ministry for alleged yeshiva students. Six suspects were arrested and four others were brought in for questioning. More than a 1000 fake ID cards were discovered in the raid, along with computers and machines for printing and laminating the cards, and other equipment. A preliminary hearing for a number of men detained during the raid has been scheduled for Monday. Police officials said they monitored the organizations in question for quite some time. “The organizations presented a false record of hundreds of students who attend each yeshiva, and received money for these students,” one official explained. “In reality, only a few dozen students attended.” Police are also investigating the location laundering the embezzled money, and expect to make more arrests in the case.

June 24, 2011

From Credit-man to God?s-man: Believe, Love and Make Friends. – This is not About Credit Repair, Credit Score, Credit Repair, Id Fraud or Mortgage

Filed under: Id Fraud — Tags: , , , , , , , , , , , , — admin @ 7:46 am
id fraud
by Cornell University Library


From Credit-man to God?s-man: Believe, Love and Make Friends. – This is not About Credit Repair, Credit Score, Credit Repair, Id Fraud or Mortgage

Doesn’t matter who you are, first you are a human. God’s creation, and God’s gift to the world. Whether you believe in him or not, we are all brought to this world (born) to serve our purpose, to live and experience the ups and downs of life, to cry and laugh, to share the same with others. You know that this life’s eternity is not promised to anyone. What we do on earth is the reflection of how we want to be treated. As we leave this world, some of us want to be remembered for our good deeds and some may not want to be remembered at all. The choices are yet our own.

Whether you believe in God or not, whatever your goal in life is, I hope the article below puts tears of JOY, LOVE and HOPE in your eyes, heart and mind. I hope it pushes you closer to your friends and brighten your days as you’ll do the same for others. My repeated message has been “Do to others as you want to be done to you.”

The following article has no mention of finances, credit repair or credit score. It is all about you, the God’s creation and your love for another human being.

Best of luck.

Mike Samadi

THE OLD FISHERMAN

Our house was directly across the street from the clinic entrance of Johns Hopkins Hospital in Baltimore . We lived downstairs and rented the upstairs rooms to out-patients at the Clinic.

One summer evening as I was fixing supper, there was a knock at the door. I opened it to glimpsing a truly awful looking man. “Why, he’s hardly taller than my eight-year-old,” I thought as I starred at the stooped, dried-up body.

But the appalling thing was his face, lopsided from swelling, red and raw Yet, his voice was pleasant as he said, “Good evening. I’ve come to see if you’ve a room for just one night. I came for a treatment this morning from the eastern shore, and there’s no bus ’till morning.”

He telling me he’d been hunting for a room since noon but with no success; no one seemed to have a room. “I guess it’s my face. I know it looks terrible, but my doctor says with a few more treatments…”

For a moment I hesitated, but his next words convinced me: “I could sleep in this rocking chair on the porch. My bus leaves early in the morning.” I told him we would find him a bed, but to rest on the porch.

I went inside and ruined getting supper. When we were ready, I asked the old man if he would join us. “No thank you. I have plenty” And he held up a cooked paper bag.

When I had finished the dishes, I went out on the porch to talk with him a few minutes. It didn’t take a long time to see that this old man had an oversized heart crowded into that tiny body. He told me he fished for a living to support his daughter, her five children and her husband, who was hopelessly crippled from a back injury.

He didn’t tell it by way of complaint; in fact, every other sentence was prefaced with thanks to God for a blessed. He was grateful that no pain accompanied his disease, which was apparently a form of skin cancer. He thanked God for giving him the strength to keep going.

At bedtime, we put a camp cot in the children’s room for him. When I got up in the morning, the bed linens were neatly folded, and the little man was out on the porch.

He refused breakfast, but just before he left for his bus, haltingly, as if inquire a great favor, he said, “Could I please come back and stay the next clock I have a treatment?

I won’t put you out a bit. I can sleep fine in a chair.” He paused a moment and then added, “Your children made me feel at home. Grownups are bothered by my face, but children don’t seem to mind.” I told him he was welcome to come again.

And on his next trip he arrived a little after seven in the morning. As a gift, he brought a big fish and a quart of the largest oysters I had ever seen. He stated he had shucked them that morning before he left so that they’d be nice and fresh. I knew his bus left at 4 a.m. , and I wondered what time he had to get up in order to do this for us.

In the years he came to stay overnight with us there was never a time that he did not bring us fish or oysters or vegetables from his garden.

Other times we received packages in the mail, always by peculiar delivery; fish and oysters packed in a packaged of fresh young spinach or kale, every leaf carefully washed. Knowing that he must walk three miles to mail these and wise how little money he had made the gifts doubly precious.

When I received these little remembrances, I often thought of a comment our next-door neighbor made after he left that first morning. “Did you keep that awful looking man last night? I turned him away! You can lose roomers by putting up such people!”

Maybe we did lose roomers once or twice but, oh! If only they could have known him, perhaps their illness would have been easier to carried. I know our family always will be grateful to have known him; from him we learned what it was to accept the bad without complaint and the good with gratitude to God.

Recently I was visiting a friend who has a greenhouse. As she showed me her flowers, we came to the most beautiful one of all, a golden chrysanthemum, bursting with blooms. But to my great surprise, it was growing in an old dented, rusty bucket. I thought to myself, “If this were my plant, I’d put it in the loveliest container I had!”

My friend changed my mind. “I ran short of potted,” she explained, “and knowing how beautiful this one would be, I thought it wouldn’t mind starting out in this old pail. It’s just for a little while, till I can posed it away in the garden.”

She must have wondered why I laughed so delightedly, but I was imagining just such a scene in heaven. There’s an especially beautiful one, “God might have said when he came to the soul of the sweet old fisherman. “He won’t mind starting in this small body.”

All this happened long ago — and now, in God’s garden, how tall this lovely soul must stand.

The LORD does not look at the things man looks at. Man looks at the outward appearance, but the LORD looks at the heart.”

Friends are very special. They make you smile and encourage you to succeed. They lend an ear and they share a word of praise. Show your friends how much you care.

Pass this on, and brighten someone’s day.

Nothing will occur if you do not decide to pass it along.

The only thing that will happen if you do pass it on is that someone might smile (or cry like I did…)~ because of you!

**********************************************************************************

Friends are special Hugs from GOD!

The Author of “the Old Fisherman” is someone other than Mike Samadi. They have no affiliations

Any questions?  Go to Q & An of www.MasterCreditRepair.net, read and post.  Go to the “Comment” page and post your story or comment.

 





June 21, 2011

Fake Britain on ID fraud 1 of 3

Filed under: Id Fraud — Tags: , , — admin @ 10:46 am


From the BBC FakeBritain series – which we regard as a public service that deserves the widest possible audience. Important insights into the ease with which identity can be compromised – even in Britain’s surveillance state. 1 of 3
Video Rating: 5 / 5



The video series THE FUNNY TRUTH ABOUT CREDIT by Experian educates consumers about credit, starring well-known celebrities in hilarious real-life situations. In this episode, actor Michael Madsen gives a stranger digging through his trash everything he needs to steal his identity until financial expert Maribel Aber steps in to show him how to protect his ID in the future (co-starring John Gulager). Visit www.experian.com
Video Rating: 4 / 5

June 18, 2011

Why Most ID Fraud Solutions Don’t Work But VPN Software Does

Filed under: Id Fraud — Tags: , , , , , — admin @ 1:47 pm
id fraud
by Cornell University Library


Why Most ID Fraud Solutions Don’t Work But VPN Software Does

Lifelock, the largest identity theft insurance purveyor was sued by the Federal Trade Commission and settled in March 2010 to pay million to settle charges that it made deceptive claims about its ability to protect customers from identity theft. FTC Chairman, Leibowitz said that “this was a fairly egregious case of deceptive advertising. They promised protection and didn’t deliver”. To make matters worse, Experian, one of the three big companies that track credit histories has sued Lifelock to stop using Experian services because it is diminishing the value of their fraud alert system by repeatedly firing off false alarms thereby making credit issuers pay less attention to them. A typical case of ‘Cry Wolf’. And if that wasn’t enough, certain States like New York are suing Lifelock to prevent them from selling it in NY because it’s not really insurance.

So why are people buying identity theft protection? It doesn’t stop ID fraud, it doesn’t reimburse you for money that is stolen and it doesn’t fix your credit standing or clean up a criminal record acquired in your name. People have been misled by LifeLock, Identity Guard, ID Watchdog, Identity Truth and Trusted ID into believing their promises to restore your ID, prevent ID fraud, and pay for all your lost wages and guarantee large sums of money. These companies are scamming the public while 11.2 million people became victims of ID fraud last year. Identity Theft protection didn’t help and neither did antivirus. So how can we prevent online crime which is about 65% of all ID theft?

The only way to stop online ID theft, which is the majority of ID theft, is through a simple to use premium VPN software (virtual private network). Currently most computer users have antivirus which protects your computer but it does not protect your data once it goes out on the internet. To do that, use premium VPN software and it will secure your financial data, emails, files, business transactions, downloads, pictures, Skype, Facebook, Google; literally everything you do on the Internet. Like antivirus it’s VPN software and in particular premium VPNs run 24×7 on your computer while protecting all your data online. All your online activities become secure and cyber criminals will no longer have access to your data because the connection is securely scrambled and they don’t have the key to break in. End of danger to your credit cards, ID information and banking login information – And only premium VPN software can do that for you.





June 15, 2011

Basic Fraud Prevention for Internet Merchants

Filed under: Id Fraud Prevention — Tags: , , , , — admin @ 4:44 pm


Basic Fraud Prevention for Internet Merchants

Most of the attention in the squeezing surrounding online fraud is focused on consumers…whether its having their credit card numbed stolen by hackers or being suckered into giving their personal and financial information by a phony email phishing scam. But barely any attention has been given to the other side of the coin…the Internet merchants who are defrauded by crooks posing as legitimate consumers.

One of the first things you need to do as a merchant to prevent fraud is to always verify who the consumer is. On card-present transactions, this can easily be done by asking for a valid photo identification card, for example, a driver’s license or state issued ID card. On card-not-present-transactions, this is a much more difficult task for the merchant to accomplish.

There are two basic steps that every online merchant should follow to ensure that the consumer is legitimate.

The first step in preventing fraud in a card-not present environment is called address verification or AVS. The consumer should be required to enter their billing asking when they are filling out their credit card information. The payment gateway will then send this information to the payment processor for verification. The payment processor will then pass the asking information to the issuing bank who will then match that information with the address information they have on file for that card. The payment gateway will then send support some dupe to let you know whether or not the AVS was a match. AVS only compares the street number and ZIP code against the information on registering with the card issuing bank.. So if the street address was 1234 Main Street and the ZIP code was 90210, the transaction processor would compare 1234 and 90210 with the issuing bank’s information.

Once this manage is completed, you will get an AVS code that tells you how well the address matched the bank’s records. If you get an AVS code indicating that the address and/or zip code do not match, it is up to you to determine whether you wish to accept the risk and ship the goods to the customer. We recommend that you do not ship goods in cases where the zip codes do not jibe. This will not only help to forbid chargebacks but will also prevent problems from occurring if the consumer working during the day. The sent companies have become so inundated with packages from the ever-growing Internet world that they will drop the package at the door, often times not waiting for a signature. Without a signature, you do not have proof of delivery. And without proof of delivery it is very hard to fight a chargeback.

It is important to know that AVS has some limitations, because this may impact your decision-making about how to treat bad verification results:

oThe AVS system isn’t ever reliable; bad ensue can be triggered unnecessarily because people move, or because some people report five-digit zip codes and some describe nine-digit zip codes. This may generate a response say that the address gibe, but the zip code does not match.

oThe AVS system can’t handle address outside the U.S., so if you decide to ship only to addresses with full AVS results, you will rule out all international orders.
Online merchants typically do not rely solely on the AVS result to accept or reject an order. Most online merchants use the address verification service as part of an overall fraud prevention program and in conjunction with several other tools to help them prevent fraud.
Now we’ll talk about the second step in basic fraud prevention – Card Code Verification

To help reduce fraud in the card-not-present environment, credit card companies have introduced a card code program. Visa® calls this code Card Verification Value (CVV); MasterCard® calls it Card Validation Code (CVC); Discover® and American Express call it Card ID (CID).. The card code is a three- or four- digit security code that is printed on the back of cards. The number typically appears at the end of the signature panel. This program helps validate that a genuine card is being used during a transaction. Card code verification works similar to address verification. The payment gateway passes the code entered by the consumer to the payment processor who then compares it to what is on file at the card issuing bank. The payment gateway then returns a code to let you know whether the numbers matched. This helps to verify that the person using the card has the card in their possession at the time they place the order.

We advise all merchants to require this code for all credit card transactions to help combat fraud. It is important to note however that these numbers can be obtained by fraudsters just as credit card numbers are obtained if they are stored by the merchant. It is for that reason that the card associations prohibit merchants from storing these codes in their system.The use of CVV2, CVC2 , and CID by online merchants has continued to increase, rising from 44% of online merchants using this tool in 2003 to 66% today. It appears that asking for the CVV2 , CVC2, and CID has become standard practice for the majority of online merchants.

So there you have it. Two very basic and easy fraud prevention tools that every online merchant should use to prevent fraud and eliminate chargebacks.

Copyright 2007 Loud Commerce, LLC. All Rights Reserved.

Russ Gottlich, CPA is the CEO of Loud Commerce (http://www.loudcommerce.com), a leading provider of payment processing services and tools for Internet and retail merchants worldwide. As an independent agent for First Data Services by Cardservice International, Russ and his team offer merchants the benefit of having a personal merchant services consultant backed by the largest payment processor in the world.




www.My-Spy.com Global TV Report on a new high-tech solution to ID theft and credit debit teasing fraud that allows users to monitor their accounts on their cellphone via text message, providing the early possible detection of identity theft and card fraud. MySpy works with most (over cc) financial institutions in Canada and the Bank of America in the US. It is available at an introductory price of per year. 1 month FREE TRIAL available at: www.My-Spy.com MySpy downloads to your PC and monitors your bank accounts online in near real-time. When a transaction occurs, MySpy sends an eReciept to your cellphone as a text message, or to your email, usually within a minute! Since MySpy is a software application that runs on your PC, you do not have to divulge your account information or passwords to any third party, in compliance with cardholder agreements. Protect your finances. Protect your money! Try MySpy! … …
Video Rating: 5 / 5



June 12, 2011

Intellicheck Mobilisa Announces ID Risk CheckSM Distribution Agreement

Filed under: Id Fraud Prevention — Tags: , , , , , , — admin @ 7:48 pm


Intellicheck Mobilisa Announces ID Risk CheckSM Distribution Agreement

Port Townsend, WA (PRWEB) April 28, 2011

Intellicheck Mobilisa, Inc. announced a distribution and partnership agreement with a leading financial services corporation for Intellicheck Mobilisa’s latest product, ID Risk CheckSM. This latest partnership agreement permits ID Risk Check to be incorporated into over 14,000 retailers’ point of sale systems. ID Risk Check was developed specifically to meet the needs of fraud and loss prevention in retail applications.

Under the terms of the agreement, Intellicheck Mobilisa’s patented ID-Check driver license scanning technology is incorporated and distributed as an integral component of ID Risk Check. The product will be available to all divisions of the financial services corporation for use and sale in their numerous financial risk management applications.

“Identity theft, credit tease and check-cashing fraud are on the increase, and recent examined have shown that identity theft only is up 11% over 2009,” stated Steve Williams, CEO of Intellicheck Mobilisa. “We have already implemented ID Risk Check at two Tier 1 retail companies, with much success. With the increases in identity theft and fraud, retailers are paying peculiar attention to emerging technologies aimed at fortifying fraud prevention. We are on the cusp of this unexampled frontier, and ID Risk Check is taken direct at combating these late forms of fraud and identity theft.”

Intellicheck Mobilisa will likewise become a certified distributor and integrator for the product line of fraud/risk management and Velocity application tools. This extended product offering will be offered to all existing customers as good as render a broader product offering to pull unexampled business.

“As we move the company to this new transactional model, products like ID Risk Check will show a strong return on investment,” continued Mr. Williams. “By bundling our software with our partner’s products, we are able to offer our solutions to a wider customer audience, improving our bottom line while providing our partners increased benefits to meet their customer needs.”

Through this partnership, Intellicheck Mobilisa will offer payment processing and fraud/risk management technology to businesses, which will consist of ID validation services, ID authentication services, risk and Velocity controls as well as other proprietary analytical models that can assist with fraud detection.

About Intellicheck Mobilisa
Intellicheck Mobilisa is a guiding technology company, developing and marketing wireless technology and identity systems for assorted applications including: nomadic and handheld wireless devices for the government, military and commercial sectors. Products contain the Defense ID system, a progressed ID card access control product presently protecting over 80 military and Federal locations, and ID-Check, patented technology that immediately reads, analyzes, and verifies inscribed data in magnetised stripes and barcodes on government-issue IDs from U.S. and Canadian jurisdictions for the fiscal, hospitality and retail sectors.

# # #


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



June 9, 2011

How To Pick The Right Id Theft Protection

Filed under: Id Theft Fraud — Tags: , , , — admin @ 10:46 pm


How To Pick The Right Id Theft Protection

The main problem that has Americans searching for ID theft protection was the introduction of automated services into almost every aspect of our lives.  Instead of talking to an agent or manually submitting a payment, now everything is done through an automated system that contains every piece of our personal information. 
With this in mind, choosing an ID theft protection service is not a simple task as it can mean the difference of being struck by identity fraud, or continuing to make it through life without a hitch.
However, it is not enough to simply sign up for any ID theft protection because different companies offer different services and you want to make sure that your money is spent wisely.  After all, just about the only thing worse than getting struck by identity fraud would be spending money on protection that still allowed you to become a victim of fraud.
The best way to start your search is to create a budget of what you can comfortably afford to spend on ID theft protection.  There are thousands of services out there so setting a budget will help you narrow down the playing field and give you a smaller list to work from.
Second, you need to check out what type of protection each type of service offers.  Ideally, if you want to be fully protected you need to look for an identity theft service that offers protection in the following five areas: medical, driver’s license, financial, and criminal.  Protecting just a few of these areas will not help if you leave the others open to thieves.
Finally, you need to look into a service that also offers you identity restoration if your identity is stolen. No program can ever guarantee you 100% safety, but a reliable program will offer you monetary reimbursement and assistance if you do become a victim of identity theft.





June 1, 2011

Social networkers scared of scam as identity theft hits Russian sites

Filed under: Id Fraud — Tags: , , , , , , , , — admin @ 7:44 am


Internet users looking to boost their social life have run into an unexpected danger. Cases have come to light of identities being stolen from people with accounts on popular Russian networking sites. RT’s Staci Bivens finds out how the scam has spread and what protection – if any – could be found.



(2 of 5) Identity fraud gang operating in London caught on CCTV stealing post, which was used to fraudulently open bank accounts with overdrafts, credit cards and mobile phone accounts. The gang members have been identified as Kingston University students, and are operating in the Kingston-upon-Thames borough of London. Identity fraud is a fast growing crime that is dominated by Nigerian gangs operating predominately in London, and particularly target blocks of flats. The gang were able to fraudulently open bank accounts with large overdrafts at high street banks through internet applications with just details from a bank statement. They then intercepted the mail returned by the banks with the online username and password details. The gang gained access to this apartment block from a fellow Kingston University student who was living in the apartment block and was colluding with them by giving the gang the access codes to the front door. According to Experian (largest UK credit agency) In 2009, it took an average of 416 days for fraud victims to realize they have been attacked. This gave fraudsters more than a year to compromise their victims accounts, build up debts in their names, destroy their credit ratings and then move on to someone else. press.experian.com www.experian.co.uk Protect yourself by regularly monitoring your credit reports from Experian, Equifax and Call Credit. Pay particular attention to searches on your credit report for companies that you havent
Video Rating: 5 / 5

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