LifeLock’s new products are here to protect your identity

August 28th, 2014

According to Javelin Strategy & Research, 13.1 million American end users were victims of identity fraud in 2013. CNN mentions that a new victim of identity fraud is reported about every 2 seconds!

What does this mean? It means you need the BEST identity protection out there: LifeLock®. With LifeLock, you can go far beyond just credit monitoring. You can see all your account activity – credit cards, debit cards, and bank accounts – in ONE secure place, all at affordable prices.

How does LifeLock protect your identity? LifeLock sends you an alert – phone, text, or e-mail – on transactions that exceed the threshold set on your accounts (cash, balance transfers, purchases, etc.). You can then review the transaction and make sure all the information is correct by clicking a “Yes” or “No” button. If you click “No,”
LifeLock will send you instructions to dispute this matter. There are only three steps; it’s that simple!

LifeLock cannot prevent identity theft, BUT it searches over one trillion data points per day to help protect you better than any competitor. Only LifeLock can monitor for identity fraud using such broad array of finances – financial institutions, merchants, banks, wireless carriers, etc.

With LifeLock’s new products – LifeLock Standard™, LifeLock Advantage™, and LifeLock Ultimate Plus™ – you can be sure to have a plan that caters to your needs at the best price available.

LifeLock Standard™ protects your identity from fraudulent activity with the following for ONLY $9.99/month:

•LifeLock Alert System
•Lost Wallet Protection
•Address Change Verification
•Reduced Pre-Approved Credit Card Offers
•Black Market Surveillance

The LifeLock Identity Alert System detects suspicious activity on all of your accounts and alerts you through phone, text, or e-mail.

You can call Lost Wallet Protection anytime and anywhere if your wallet goes missing. LifeLock will assist you in canceling and replacing the contents of your wallet – credit and debit cards, driver’s license(s), Social Security cards, insurance cards, checkbooks, and travelers checks – preventing fraudulent charges on your account. LifeLock will not be responsible for cash, cash equivalents, and pictures lost in your wallet.

LifeLock will alert you and have you verify anytime an address change has been made under your name.
LifeLock can also reduce the amount of irritating pre-approved credit card offers you receive.

The Black Market Surveillance system LifeLock provides monitors over 10,000 criminal sites, further protecting you.

Want to step your protection up just a notch? Try LifeLock Advantage™ for even more protection at ONLY $19.99/month! The Advantage program includes the following additional services:

•Fictitious Identity Monitoring
•Court Records Scanning
•Data Breach Notifications
•Online Annual Credit Reports and Scores – 1 Credit Bureau
•Credit Card, Checking and Savings Account Activity Alerts

Fictitious Identity Monitoring, which scans names and addresses associated with your Social Security number in public and credit record sources so your identity can be protected before a stranger steals your identity and commits fraud under your name.

Your credit card, checking and savings account will be continuously monitored – cash withdrawals, balance transfers, and large purchases – for fraudulent activity.

Personal information is everywhere, including banks, insurance companies, employers, and even your favorite retailers. LifeLock will alert you of publicly reported large-scale breaches so you can better protect yourself from fraudulent activity.

LifeLock will also check court records with your name and date of birth in case you become fraudulently associated with false arrests and convictions unknown to you.

LifeLock can provide you with online access to annual credit report, as well as and annual credit score from a major credit bureau. The credit score will even include a list of top factors used to determine your score so you can better understand what lenders are looking for.

Still not convinced? Check out LifeLock Ultimate Plus™! For ONLY $29.99/month, this Ultimate package includes all the aforementioned services, as well as:

•Investment Account Activity Alerts
•Online Annual Credit Reports and Scores – 3 Credit Bureaus
•Checking and Savings Account Application Alerts
•Bank Account Takeover Alerts
•Credit Inquiry Activity
•File-Sharing Network Searches
•Sex Offender Registry Reports
•Monthly Credit Score Tracking

LifeLock will alert you if someone tries to open a new account – checking and savings – under your name, not only in your bank, but all banks. This identity protection is continuously searching for your personal information pertaining to new bank account applications, from coast to coast, at national banks, local banks, and credit unions.

Did you know that an identity thief have the ability to take over your online bank accounts and add themselves as a new account holder? LifeLock monitors activity changes such as this and alerts you right away.

LifeLock protects your hard earned investment profits as well by sending you alerts if any cash withdrawals or balance transfers are made from your investment accounts.

This service also searches through music, photo, and data file-sharing networks for unnecessary exposure of your name, date of birth, Social Security number, and email or contact information.

LifeLock also alerts you if a registered sex offender has moved into your zip code, and if the offender lists your address as a way to avoid detection.

This best value package provides you with credit reports and credit scores not from only one, but from all three primary credit bureaus – Equifax, TransUnion and Experian. Included, also, is a monthly single-bureau credit score tracker so you can identify significant changes and keep track of your credit over time.

LifeLock also features a LifeLock Junior™ service that can be added to your chosen adult package to ensure that your child’s credit maintains a clean slate. This service includes monitoring your child’s information – name, date of birth, and Social Security number – in applications for credit and services, black market surveillance, file-sharing networks, and certified credit resolution support.

Cherry on top? LifeLock has a $1 million total service guarantee to help protect you. If you become a victim of identity fraud, LifeLock will spend up to $1 million to hire professionals – experts, lawyers, consultants, etc. – to aid your recovery.

DON’T wait until you are already a victim of the ever-increasing identity theft predicament. Join LifeLock TODAY and have our 24/7/365 live member support team put your mind at ease and keep your identity safe!

Dumb identity thief forgets Rule No. 1: Shred documents before you trash them

April 23rd, 2012

If ever there was a dumb identity thief, this guy is it.

Gerald K. Acholonu was charged by federal prosecutors with aggravated identity theft and other crimes that stemmed from him stealing credit cards from other people’s mailboxes and using them to obtain cash advances and buy things.

Here’s the thing: If he’d just shredded documents, he might have gotten away with it.

Instead, prosecutors were able to build their case on the materials they obtained by going through Acholonu’s trash outside his apartment in Braintree, Mass.

When Acholonu worked for a private company that did business with the U.S. Postal Service, he came under scrutiny. A postal worker say him leave a restroom carrying a tray of mail, and Acholonu was reported.

Acholonu had access to the mail, including credit cards that Discover had sent from Salt Lake City to the northeast. After the investigation began, Acholonu apparently got cold feet and quit his job. But the investigation continued.

Investigative reports stated that officers found opened mail in Acholonu’s trash, including Discover credit cards and credit card statements, telephone statements and receipts, and cellular telephone SIM cards – all associated with his victim. He had handwritten on the credit card statements the victims’ dates of birth, Social Security numbers and PIN numbers.

Maybe next time, people will listen when we warn you: Shred those documents before you dispose of them.

Be careful when making purchases with a debit card

April 20th, 2012

Protect your elderly loved one from scams

April 18th, 2012

As baby boomers age, so do their parents. And more and more of them find themselves in the position of caregiver. As caregiver to an elderly person, one can clearly see the issues facing your loved one – and that includes identity theft.

The elderly are often a target for identity thieves because these criminals know that the elderly are far more trusting, and because they are often unfamiliar with newer technologies, they may also be an easy target.

If you are a caregiver, there are things you should be on the lookout for that may be phishing attempts or a thief’s attempt to take bits of your loved one’s identity and use it afoul. There are also things you can do to help protect your loved one.

• Get involved with your senior adult’s financial decisions, so that you are aware of any money that is being spent. It’s all too easy for a thief to fool an elderly person into sending them money.

• Don’t allow your senior to hire someone who shows up at his front door asking for work. They may be legit, but chances are, it’s a scam.

• Advise your senior to never give out personal or financial information over the telephone, especially if he didn’t initiate the call.

• If your senior is receiving an inordinate amount of promotional mailings or telemarketing materials or phone calls, it could mean he has been placed on what’s called a “sucker list.” This means your senior is being targeted, and a scam could be next.

• Stay abreast of the latest scams being circulated that are aimed at fooling the elderly. Keep your senior informed, and stay on top of the situation yourself.

While you don’t want to interfere with the independence of the senior adult you are caring for, you don’t want them victimized either. Make sure your loved one knows you are “in his business” because you care and want to protect him.

Using debit cards can be dangerous

April 16th, 2012

Reports have surfaced in recent days about a solider who has been protesting outside his local Bank of America branch with a sign that reads, “A solider that puts America first should have a bank that puts the solider first.”

While the solider had two weeks off in Afghanistan in 2010, he went to Athens, Greece and had a few drinks at a nightclub, which he paid for using his Bank of America debit card. When he returned to base later, he found a total of $25,243.71 had been removed from his account. All of the money had been deducted by someone at the nightclub where he’d used his card to pay for his drinks.

If a consumer uses his credit card in a nightclub, or anywhere else for that matter, and the information is stolen and used fraudulently, the disputed charges are frozen and the consumer can delay payment until the bank or credit card issuer completes the investigation.

If, however, you have used a debit card, your money is gone until the investigation is completed. Your bank may return the money, but until they do, you’ll just have to do without.

So with this kind of risk, why do some people continue to use debit cards? It’s because there are those out there who can’t get credit cards, or who don’t wish to obtain and use credit cards because they can’t control their own spending habits.

Whatever the reason, be aware of the dangers of using a debit card. Learn what your bank’s policies are regarding identity theft and fraudulent withdrawals, and most importantly, if you do use your debit card, don’t keep $25,000 in your account.

Watch out for gas pump skimmers

April 13th, 2012

Use these tips to protect yourself from ID theft

April 11th, 2012

How do identity thieves get your information? They rummage through your mailbox and steal your outgoing bill payments. They dig through your trash in search of cancelled checks, credit card and bank statements, and pre-approved credit card offers. They hack into computers to steal personal data. They go to the post office and fill out a change of address form to divert their victims’ mail to another address so they can steal information.

In short, there are a lot of ways a thief can obtain your personal information. But there are also a lot of things you can do to thwart their efforts.

• Guard your Social Security number as if it is classified information. Don’t give it to anyone unless you are sure of how it will be used and secured.

• Don’t write down your passwords and carry the paper with you. If you must record them, do so and store the paper in a secure location.

• Be aware of your surroundings when using an ATM machine. Make sure no one is standing too close to you, and cover the pad when inputting your PIN. Check the machine to be sure there are no skimming devices attached before you insert your card.

• Warn your children about giving out personal information on social media sites.

• Buy a shredder and use it. This means you shred any document that bears your personal or financial information before you dispose of it, including pre-approved credit offers.

Breach has many consumers on edge

April 9th, 2012

A recent data breach at Global Payments, which could affect as many as 1.5 million MasterCard and Visa card users, has many consumers on edge about protecting their personal information.

But there are some things you can do to protect yourself and your information.

First of all, be extra cautious and keep your eyes open. Read about the latest identity theft scams, and watch out for any signs that your information may have been breached.

Next, you should be sure to always check your bank and credit card statements carefully. Watch out for unfamiliar charges that might appear, even it is only for $1. Sometimes a thief will test the waters by seeing if he can get away with charging a small amount, before he tries to go for the gold.

If you spot anything out of order, contact your bank or credit card issuer at once. You should also be aware of your billing cycle. If you don’t receive your statement on time, it could be a red flag that something is wrong, and you should contact the bank or card issuer immediately.

Make sure your update your computer with the latest in security software, as well as your mobile devices. And then be sure to update the software. You should also update your Internet browser. Older browsers can have security weaknesses.

Last of all, monitor your credit report. Check for any unusual or fraudulent activity, and report it at once to both the credit bureau and the corresponding creditor.

What’s the best way to use free Wi-Fi?

April 6th, 2012

Connect online, commit a crime

April 4th, 2012

Today’s world is a place where anyone can be connected with anyone else, and for any purpose. This means that you can connect with a long-lost friend or relative, you can connect with someone for business purposes or you can connect with someone in order to commit a crime.

And thanks to the Internet, anyone can purchase a device to help them obtain the financial information needed to comment credit card fraud. For less than $100, a thief can obtain a skimmer online, then use it to drain an unsuspecting victim’s bank account.

A skimmer is a device that can be attached to an ATM machine or gas pump, or even to a point of sale machine inside a retail store. The device captures the card’s data when the card is swiped, and records it. On ATM machines, criminals often install tiny cameras, in addition to the skimmer, to capture the victim inputting a PIN.

Once the information is collected, it can be used by the thief who collected it, sold on the black market, or the information can be used to make cloned cards, which can be used by the thief or sold for cash.

Skimming has become a billion dollar industry. Cloned cards have been used to withdraw more than $1 billion all over the world in the past decade.

Protect yourself and your cards. Cover the PIN pad when you input your number. Check the machine thoroughly before you insert your card, to be sure nothing is amiss. Pull on the card inserter, and poke at the PIN pad. If something is loose or seems out of place, report it immediately and do not use your card in that machine.