Archive for June, 2010

When art imitates life, pay attention and learn

Wednesday, June 30th, 2010

I recently had the opportunity to view a movie that originally aired in 2004, “Identity Theft: The Michelle Brown Story,” starring Kimberly Williams-Paisley. I found it to be a poignant drama that can teach us a lot about how to not become a victim, and it gives us a glimpse into the mind of an identity thief.

The movie is based on a true story. Michelle Brown was a woman who became the victim of identity theft, and the woman who stole her identity became obsessed with Brown, and wanted to become Brown, and was even willing to harm her to make it happen. Brown eventually testified before Congress in 2000, helping to pass stricter laws and create tougher penalties for identity theft.

There have been lots of movies and television shows that have dealt with this subject matter. There is even a new show in the UK currently that centers around an elite squad of detectives who focus only on identity theft cases. Art does, indeed, imitate life.

But it’s by observing what happens in these fictional pieces that we can learn. It helps to look at the processes that a thief uses to steal an identity. It’s important to look at this in order to see how easy it can be for some people to steal identities and to get an idea of what types of people these thieves target.

It’s also important to look at the behaviors leading up to the theft. Did the character give her personal information to someone she thought she could trust? Did she become careless with how her personal information was handled by herself or others? Did she not protect her information online?

You should also look at what happens after the theft occurs. Pay attention to the damage that is done, and all that it takes to get things back to normal.

Granted, this is fiction, and what happens at the movies isn’t always realistic. But this type of crime is an increasing threat, and it pays to learn as much as you can to prevent it from happening to you.

And that’s worth the price of admission.

Arizona tops list of states with high numbers of identity theft

Tuesday, June 29th, 2010

If you don’t want to become a victim of identity theft, there are 10 states you don’t want to live in – and Arizona ranks at the top for the second year in a row.

Ranked by the Federal Trade Commission, Arizona topped the list with the most identity theft complaints, with 142.5 victims per 100,000 people. Nevada, with 125.7, and California, with 122.1, followed close behind.

The numbers aren’t an accurate indicator, since the FTC’s database relies on reports from victims, but it’s interesting to note that the same states make the top 10 each year, while those at the bottom also remain stable.

The rest of the top 10 includes Texas (117.6), Colorado (95.8), Florida (92.3), New York (92.0), Washington (91.1), Oregon (87.8) and Illinois (87.6) North and South Dakota round out the complete list by coming in at the bottom.

While identity theft can target consumers in any location, thanks to the mobility of computers, many thieves favor high population areas, due to the ready availability of mail and trash to go through in order to obtain personal information. Lots of people who steal personal information no longer use it themselves – it’s much more profitable to sell it on the black market.

But thanks to LifeLock’s Command Center™, you can be sure your information is protected. Not only will LifeLock monitor the Internet and file-sharing networks to be sure your information is safe, but they’ll also check for payday loan, sex offender, public records, court records and change of address activity. If anyone tries to buy or sell your information, or use it illegally, you’ll be notified immediately.

One part of the Center’s services is eRecon™, which specifically searches for the illegal selling or trading of your personal information. LifeLock will monitor for any activity, notify you immediately if any is found, and will take whatever steps are necessary to be sure the situation is resolved.

Cell phone lookups…scam or legit?

Monday, June 28th, 2010

You may have seen ads on the Internet for free cell phone number lookup sites. Don’t waste your time.

We’ve all gotten the strange calls on our cell phones, and we have all thought, “I’d love to be able to find out who that was.”

Many of these sites are deceptive, and ask for way too much of your own personal information and, ultimately, money. These sites are likely phishing scams, designed to obtain your personal information in order to commit identity theft.

There are some legitimate sites that offer this service, but most of them charge a fee. Some, generally those that are less than $20, will give you general information, such as the city where the cell phone user lives. But that’s it.

Other sites that charge higher fees can provide you with the phone caller’s name and address, but you also get other information as well such as race, age, marital status, civil and criminal records, which you may or may not even need. You also get an ongoing plan, which means you can do more than one search for up to a year. This isn’t practical if your purpose was to look up only one number.

After searching for a free cell phone lookup, I came to the conclusion that there is no such animal if you want to find accurate cell phone owner information. These free lookup sites are misleading, and the search results vary greatly from provider to provider. The cheapest price on the ones that charge a fee is about $15, and the unlimited year-long membership (ongoing plan) is about $39.

If you need to find the source of a call, you can call your cell phone provider and give them the exact time you received the call, and they should be able to trace the call for you.

Smooth operator pilfers information from elderly victims

Friday, June 25th, 2010

Investigators called him cunning and smooth – and now they’re calling him a thief and a scam artist.

Louis Farra Khan Reed, 23, was arrested in Venice, Fla., for posing as a police investigator pretending to be conducting an identity theft investigation so he could obtain personal information to be used for his own criminal activity.

According to police reports, Reed victimized elderly Venice residents by tricking them into giving him their information, which he used to apply for and obtain credit cards in their names. According to investigators, it wasn’t Reed’s first time around the block – he has been involved in identity theft in other unrelated cases.

In this case, Reed’s scam was simple: he called elderly residents and claimed to be a police officer investigating identity theft in the area. He even masqueraded as an FBI agent in one case, telling an elderly man that someone had used his Social Security number to obtain a credit card.

He would then tell the victims that he needed their personal information to verify fraudulent cards and documents, and to track down those responsible. Victims supplied Reed with Social Security numbers, dates of birth, addresses and places of birth, and some even gave him the maiden names of their mothers.

Reed has been charged in this case with three counts of criminal use of personal identification, two counts of impersonating a police officer and a misdemeanor count of theft. He also faces 14 more counts related to identity theft, as well as five felony counts, in other cases in Venice.

It is important to remember that when someone calls your home for any reason and requests your personal information, if you have any doubt as to their purpose or identity, it’s best to just not surrender the information. Being cautious is your right and you should always remember: when in doubt, don’t.

Protect your child’s future today

Thursday, June 24th, 2010

Jennifer is 19 years old, a recent high school graduate, and was looking forward to starting college. She wants to become a teacher. The trouble is, Jennifer can’t get the needed student loan. When she applied, she was told she’s too deep in debt, and that she’s a poor credit risk.

Jennifer’s never had a credit card. She’s never even used one.

Jennifer is like many young people all over the country who, once they’re old enough to begin applying for and building their credit, discover that their parents have stolen their identities and racked up thousands of dollars in bills – bills that creditors will now try and hold them responsible for.

As a result, Jennifer can’t get a credit card. She could be rejected for a job. She may not be able to rent an apartment or purchase a car. And she can’t get the student loan she so desperately needs to study to become a teacher.

There are no hard numbers on this type of identity theft, but the numbers are likely higher than you might think. Some experts say the number is growing. A Federal Trade Commission report found that about 6 percent of all identity theft victims point the finger at a family member or relative as the guilty party.

Nationally, the number of people under 19 years old who are identity theft victims is about 20,000 annually, according to the FTC, although theft experts say it’s probably 10 or 20 times higher. That’s because this type of theft often goes on for years before it’s discovered.

How can you protect your child from identity theft? First, be suspicious if pre-approved credit card offers come in the mail in your child’s name. If you receive a credit card or a statement for a credit card in your child’s name, call the company and ask for a copy of the original application.

You can dispute the debt. Credit reporting agencies are obligated to verify the dispute with a creditor. Be sure to obtain and carefully review your child’s credit report. If you find there is fraudulent activity, contact the creditors and notify them. File a police report; credit bureaus won’t accept it as identity theft without one.

And sign up for LifeLock’s protective services. LifeLock’s Identity Alert™ System will notify you immediately if your child’s information is being used to apply for credit or services.

Don’t let your child face what Jennifer is facing…call LifeLock today.

Don’t get too comfy with social media sites

Wednesday, June 23rd, 2010

Picture this: A tree-lined street filled with family homes surrounded by white picket fences and manicured lawns. Susan Johnson wakes up one morning in one of those homes, prepares breakfast for her family, sees her husband and kids off, and prepares to tackle the day.

But after waving goodbye to her family, she finds a letter in the mailbox addressed to her. It’s from a cell phone company welcoming her to a new contract, and it contains paperwork explaining the details of her new phone and the attached services.

There’s just one problem: Susan hasn’t signed up for a new cell phone. Susan has just become the victim of identity theft.

After several calls to the cell phone service provider, Susan convinces them that she has been victimized and they cancel the cell phone. Had she waited, her identity would no doubt have been exploited over and over again.

Susan didn’t understand why or how her identity was stolen.

“I’ve always been very careful about protecting my sensitive personal information,” she said. “I shred anything that might be of use to anyone, including correspondence and old bank statements.”

But Susan made one mistake. She signed up for a Facebook account, and in the process, she filled her online profile with as much detail as possible, including her e-mail address, home address, phone numbers and her date of birth.

All a modern-day criminal needs to steal the identities of people like Susan are a computer and an Internet connection. In Susan’s case, the crook just hacked in and found everything he needed, all in one convenient package.

When using social media sites like Facebook, MySpace or Twitter, it’s important to lock down your security settings. Make sure you have your information tightly secured. And don’t enter every single detail; a criminal would just love for you to provide that information. You should also make sure to control what information will be provided to search engines.

By taking a cautious approach to your online activities as a whole, you can avoid Susan’s fate.

“I thought I was joining something self-contained (Facebook),” she said. “I thought it would be something that only my ‘friends’ would have access to. Boy was I wrong.”

‘Eavesdropping’ could be the next big thing in identity theft

Tuesday, June 22nd, 2010

Connecticut Attorney General Richard Blumenthal is investigating whether Google broke the law by capturing people’s personal data from wireless networks while its Street View bicycles and cars mapped streets.

The multi-state probe of what Blumenthal called “Google’s deeply disturbing invasion of personal privacy” is getting national and international attention.

“Street View cannot mean complete view, invading home and business computer networks and vacuuming up personal information and communications,” Blumenthal said.

Blumenthal maintains that people have a right to know what information Google collected, how it was done and why. He’s also asking Google what safeguards are in place to fix the problem.

Google has responded that it was mistaken in including code in its software that collected payload data, but the Internet giant doesn’t believe any laws were broken. The company is working with the proper authorities to provide answers to Blumenthal, as well as other concerned parties.

French data protection agency CNIL examined the data collected by Street View, including e-mails and banking details, to determine whether Google should face criminal charges or any other sanctions. Other countries where Street View has been conducted are also conducting investigations.

Google spokesmen have said the company is cooperating with any and all investigations.

Google CEO Eric Schmidt has taken a “no harm, no foul,” approach to the situation, saying they may have collected the information, but it wasn’t done on purpose or for illicit reasons.

Street View allows Google’s users to take a virtual walk around cities. The service started in 2006 and first caught criticism for catching people in compromising and embarrassing situations as Google’s drivers and cyclists randomly roamed the cities of over 30 countries.

The fact is that while there was data was going out on an open wireless network, the “conversation” was encrypted, so Google couldn’t understand the conversations it was hearing. The information was also in tidbits; incomplete bits not likely to make sense out of context.

There was undoubtedly some unencrypted material as well, and that is the question that has the general public up in arms.

The solution? Next time you’re out at your favorite coffee shop with your computer, don’t use open connections on a wireless network. If Google can eavesdrop, certainly anyone else can. Make sure you use a secure connection.

Be on the lookout for thieves in need of a vacation

Monday, June 21st, 2010

For most of us, our passports are a ticket to a much-needed getaway. Our passports can help us see things we’ve never seen, meet people we wouldn’t otherwise have a chance to meet, and see places we’ve only previously dreamed of.

But a passport can do the same thing for a thief.

Considering how important a passport is as an identifying document, legally allowing a traveler to cross borders throughout the world, it’s easy to understand why thieves would target them.

In his book, “The Jackel,” author Frederick Forsyth wrote about an assassin who seeks out the identity information of a child who died; a child who would have been his age, had he lived. After obtaining that information, the assassin travels the world using a phony passport. The book was written long before the technology of today, and many of the ways Forsyth’s character used to obtain the stolen identity have been fixed. But creative criminals will always find a way to steal the identities of their targets.

Identity thieves often steal information and create passports, selling them on the Black Market to those wishing to commit crime or enter the country illegally.

To protect your passport while traveling, be sure to keep your passport on you at all times. Keep the document concealed properly, rather than in a bag that can be easily snatched. Many people use a special passport wallet with a neck strap. These can be carried around the neck and tucked into a shirt. You could also place your passport in the safe at the hotel in which you are staying.

Another step you can take to prevent passport theft is to sign up for LifeLock Command Center, which will provide you with active monitoring of the Internet and file-sharing networks, alerting you of any personal information breaches. As part of the Command Center, eRecon™ will search the Internet for the illegal selling or trading of your personal information. If any such activity is detected, you will be immediately alerted, and you can contact the proper authorities to protect your passport.

New Technologies Keep LifeLock at the Forefront of Identity Theft Protection

Friday, June 18th, 2010

Using updated technologies to combat identity theft, LifeLock has provided more than 310,000 alerts to members in the last eight months.

Despite the recent negative publicity surrounding LifeLock and the Federal Trade Commission, LifeLock continues to lead the identity theft protection industry by developing new and innovative proactive solutions, educating thousands of law enforcement officials and assisting victims in repairing their credit and financial reputations.

The experience of LifeLock CEO Todd Davis clearly illustrates the threat faced by consumers. After publishing his Social Security number as part of LifeLock’s advertising campaign, he was at risk like no one else for identity theft, relying only on the protections offered by LifeLock’s service. Of the hundreds of attempts to misuse Mr. Davis’ information, identity thieves succeeded only thirteen times, each time for relatively small amounts and only by taking advantage of companies that did not bother to check the credit reports of applicants. (more…)

Two Ways to Fight Identity Theft

Thursday, June 17th, 2010

“Basically, there are two ways to deal with identity theft: Make personal information harder to steal, and make stolen personal information harder to use.”

How, I wonder, do I go about protecting my personal and financial information in a world where multinational corporations execute electronic transactions at the speed of light – sending my name, birth date, Social Security number, and other information spinning across the globe?

As the quote from an article in Wired Magazine suggests, there are only two possible ways to stop identity thieves.

With the ever-increasing complexity and reach of commerce and communication, it seems virtually impossible that we will be able to stop all personal and financial data from falling into the hands of those who want to misuse it. Once the information is “out there,” can we make it more difficult for thieves to use the information? (more…)