Archive for October, 2011

Sign up with LifeLock and say, ‘I ain’t afraid of no ghost’

Monday, October 31st, 2011

Street gangs all over the country have traditionally focused their efforts on drug trafficking and gun running. But now they are expanding into white collar crime.

According to a recently-released report by the FBI, street gangs including the Bloods, Crips, Gangster Disciples, Vice Lords and Latin Kings are branching out into mortgage fraud, making counterfeit checks, bank fraud and identity theft.

Earlier this year, the L.A.-based Armenian Power gang was raided and 74 members were arrested and charged with kidnapping, extortion, illegal gambling and narcotics trafficking, in addition to a $2 million credit card scheme that targeted customers of 99 Cents Only stores in Southern California. The gang had stolen customer information, and then impersonated the victims to cash and deposit checks to deplete victims’ bank accounts.

The Long Beach chapter of the Crips, as well as members of the Mexican mafia, according to the report, have been involved with identity theft in the U.S. The report also stated that the Nine Trey Gangsters, a sub-group of the Bloods in New Jersey, were charged in a counterfeit check scam valued at $654,000.

The increase in street gang activity in identity theft has been aided by technology. In other words, the Internet makes it much easier for gangs to get involved in identity theft, and they even consider it to be a lot less riskier crime, since they don’t have to be out on the street to commit it.

Gang members also consider white collar crimes like identity theft much less risky in terms of punishment if caught. They know that at this point, they’ll get much less time for identity theft than they would if they committed a violent crime.

But experts say this may not be true if the theft involved violence.

Whether or not it’s true, there’s no doubt that gangs have figured out that it’s hard to trap a ghost – which is exactly what an online identity thief is.

Don’t be afraid of ghosts – arm yourself. Go online and sign up with LifeLock today at www.lifelock.com.

Avoid phishing scams in Facebook

Friday, October 28th, 2011

Is making a ‘fake’ Facebook profile a crime?

Wednesday, October 26th, 2011

A New Jersey woman, indicted last year on one count of fourth degree identity theft, says her creation of a fake Facebook profile in the name of her ex-boyfriend isn’t really identity theft.

Dana Thornton, 41, may face up to 18 months in prison if convicted. Reports state that after Thornton’s relationship ended, she created a Facebook profile using her ex-boyfriend’s name and birth date, as well as photographs of him and comments. The comments were allegedly false, but disparaged his lifestyle choices and career.

Thornton’s attorney contends that the charge is deficient by failing to provide any facts pointing toward Thornton having committed a corm under state statute. New Jersey’s statute on identity theft or impersonation is silent on whether it applies to Facebook or other social media.

The prosecuting attorney says the statute as written does apply, since it generally states that impersonating another character “to obtain benefit or to injure or defraud another is a crime.” The attorney claims Thornton’s ex-boyfriend’s character and reputation was injured by the comments she posted on the profile.

The case is set to be heard Nov. 2.

Whatever your take in this case, be sure you are protected. Sign up with LifeLock today, and let LifeLock monitor for your personal information. You’ll be alerted swiftly should your information be breached, so that you can take action to squelch identity theft fast.

Receive 30 days free and get a 10 percent discount on enrollment with the LifeLock Promo Code “Defense.”

Are your wireless devices protected from ID theft?

Monday, October 24th, 2011

So. You have really tough passwords, you set up a firewall on your computer’s Internet connection and you only do business online at secure sites. You’re feeling pretty good about your safety against identity theft.

Think again.

If you have a smartphone or tablet, you could still be at risk. Millions of people use smartphones and tablets to access the Internet and social media sites every day, and more than half don’t use a password to lock those devices.

Additionally, 50 percent of people fail to log out when they are done using social media sites like Facebook, and 66 percent said they use the same password for at least two accounts. About half of those using social media say they have included birth dates, educational background and e-mail addresses on their profiles.

But you can protect yourself from cyber theft. First of all, never open an unsolicited e-mail or attachment. Even if it is from a friend, it could contain malware.

Make sure you know what software you should use to keep your computer and wireless devices safe. Always keep your anti-virus and spyware protection updated. Use different passwords for each site you visit, change your passwords often, and make them difficult. Use upper and lower case letters, symbols and numbers.

Don’t share personal information online, and don’t give your passwords to anyone. When it comes to sharing information of any kind online, use this as your guide: When in doubt, don’t.

Will placing a stop payment prevent theft on my checking account?

Wednesday, October 19th, 2011

When a person’s wallet or purse is stolen, very often, so is his or her checkbook. Taking a person’s checkbook is one of the oldest and simplest ways a thief can steal your identity – and your money. And the truth of the matter is that you can have the best identity theft protection on the planet, but if the thief has a good fake ID, he can wipe your bank account clean and write rubber checks all over town.

To prevent this from happening, many people whose checkbooks were stolen place stop payments on the checks that were in the book. This will allow the bank to refuse payment of the check when it is presented. A lot of people look at this action as sufficient to stop identity theft.

But this isn’t the case. Banks will only honor the stop payment order for up to six months. You may think that someone wouldn’t be able to cash a check after six months, but you might be surprised. A bank might just let it slide through.

To stop this, you may be thinking, “I’ll just place another stop payment.” But can you afford to pay a fee every time you have to place a stop payment order?

Your best bet is to close the bank account, and open a new one. Make the bank aware of the situation, and ask that your old account be flagged. You may want to get a statement on the account and review it carefully before you close it, and then again after it has been closed for a couple of months, just to be sure no checks have been honored on the account.

Remember: Thieves are constantly on the lookout for new ways to fool consumers and take advantage of them. Staying one step ahead of them will go a long way in keeping you from falling victim.

What can the medical community do to prevent medical identity theft?

Monday, October 17th, 2011

Recent reports indicate that one-third of health care organizations have reported medical identity theft. It’s the fastest growing form of identity theft.

If the problem of medical identity theft is increasing, what can members of the health care community do to prevent it?

Physicians’ practice employees must be committed to protecting the privacy of patient information, even to the point of going beyond was is required by HIPAA. This includes training employees on how to protect information, while making sure they know how and when to access the information when appropriate.

Some health care systems are set up or are setting up to use biometrics, like fingerprint or eye scanners, to confirm patient identity. But making it standard policy to check photo identification at each patient visit is effective enough, if it’s done each and every time.

Checking IDs seems like such an elementary thing, yet many physicians’ offices don’t check every time, for fear of offending regular patients. But doings so, along with keeping a copy of that ID on file, can go along way toward prevention of medical identity theft.

For physicians, it isn’t just a safety issue – it’s also an ethical issue. Protecting patient information is crucial, but so is treating patients who need care. Doctors have an ethical obligation to treat the sick. Even if their IDs don’t match up. So what does a doctor do in this case – protect the identity of a patient and catch the bad guy, or treat someone who needs it, in spite of issues with identification?

The right thing to do would be to treat the thief, and contact law enforcement. Treat a cold – call the cops. Protecting patients from medical identity theft is too important.

Vet falls victim to identity theft

Friday, October 14th, 2011

ID spoofing on the rise

Wednesday, October 12th, 2011

Imagine this: You get a call that shows up as your bank on your caller ID. You answer the call, only to find you are speaking with someone whose English isn’t very good, and who asks for a lot of information but is vague about answering your questions.

Sound fishy? Of course it is. It’s called ID spoofing, and it’s happening more and more frequently. Scammers are faking the number and ID that appears on your caller ID, and hundreds are falling for it.

Very often, the scam goes something like this: the caller says he has an account number with the last four numbers being “XXXX” but the first numbers don’t match up with any records on file. The caller then asks you to “verify” the numbers, telling you he “checked the records on file twice.” If the caller is convincing enough, he hopes the victim will willingly provide the information he’s asking for. And once he has it in hand, he can wipe out the victim’s bank account, apply for and obtain credit cards or loans and other crimes.

So if you receive a call like this, stop and think. Don’t just automatically provide the information requested. The best thing you can do is to hang up and call the 1-800 number listed on the back of your credit card, or on your bank’s website. Verify that the call was in fact placed. It’s a pretty safe bet you’ll find out the call was fake. Banks and credit card issuers aren’t likely to call you to verify information such as this over the phone.

Don’t fall victim to scams such as this one. Remember: It’s always best to remember that if you doubt something is for real, it’s best to verify.

Internet contributes to identity theft among children

Monday, October 10th, 2011

If you could view a child’s identity, you’d find it free of any blemish. This is because a child’s Social Security number is protected and there has been no credit activity.

But all too often, this isn’t the case. For many young people entering adulthood, they find that what they thought was a pristine credit record and protected Social Security number was really the doorway for an identity thief to obtain loans, open lines of credit and pay bills. And they never knew it was happening during their childhood.

Identity thieves prefer to get their hands on a child’s Social Security number, because it has a clean history that can be attached to any name or date of birth. The part that really appeals to criminals is that their crimes often go unnoticed for a long time – decades even – and it’s difficult to prosecute once the crime is discovered. A savvy thief can take off by the time the kid turns 18, never to be found again.

Before the Internet, child identity theft was mostly committed by parents or relatives of kids – they used the minor’s Social Security information to make bad credit “go away.”

Since the advent of the Internet, identity theft against children has grown astronomically. Children between the ages of 8 and 18 spend an average of 10 hours a day on a variety of media – computers, video games, smartphones, tablets – and thieves know this.

Children also often spend a lot of time on social networking sites, and 41 percent of those surveyed said they’d received a “friend request” from someone they didn’t know. Thieves use sites like Facebook to get kids to share their personal information, which they use to steal their identities.

Teach your children to not talk to or accept friend invitations from people their don’t know. They should also be taught to limit the amount of personal information they share, and they should understand the privacy settings. Kids should, just like adults, use strong passwords, and should be encouraged to not share that password with anyone.

ID thieves strike fast – and you lose

Friday, October 7th, 2011