LifeLock » Identity Theft http://www.idtheftquiz.org/blog Fri, 10 Feb 2012 16:26:40 +0000 http://wordpress.org/?v=abc en hourly 1 Watch out for scams on Skype http://www.idtheftquiz.org/blog/watch-out-for-scams-on-skype/ http://www.idtheftquiz.org/blog/watch-out-for-scams-on-skype/#comments Fri, 10 Feb 2012 16:26:40 +0000 admin http://www.idtheftquiz.org/blog/?p=1833

]]> http://www.idtheftquiz.org/blog/watch-out-for-scams-on-skype/feed/ 0 New ID theft filters have caused tax refund delays http://www.idtheftquiz.org/blog/new-id-theft-filters-have-caused-tax-refund-delays/ http://www.idtheftquiz.org/blog/new-id-theft-filters-have-caused-tax-refund-delays/#comments Wed, 08 Feb 2012 17:19:59 +0000 admin http://www.idtheftquiz.org/blog/?p=1831

IRS officials sent notices to tax professionals recently apologizing for a delay which the agency says will only affect some early filers – but if you filed after January 26, you’re in the clear.

The reason for the delay was issues with the agency’s newly-installed filters, which are designed to prevent tax fraud and identity theft. The delay was expected to only last about a week, although some have found that their refunds will be delayed by as much as two weeks.

The delay has caused concern among tax preparation chains like Jackson Hewitt and H&R Block. Both have been fielding calls from anxious taxpayers counting on their refunds. The chains have also been offering less refund anticipation loans, or rapid refunds, because of the delay.

The IRS has been working for the past year to step up its efforts to prevent identity theft by installing these new filters in its computer systems, which the agency hopes will catch identity theft attempts before refunds are issued. The changes came after the IRS was pressured by Congress and the National Taxpayer Advocate, as well as the Tax Inspector General for Tax Administration.

In years past, the IRS has issued millions of dollars in tax refunds based on fraudulently filed tax returns. The newly-installed filters are supposed to increase the IRS’ ability to spot bogus tax returns before they are processed and before a refund is issued.

]]> http://www.idtheftquiz.org/blog/new-id-theft-filters-have-caused-tax-refund-delays/feed/ 0 Learn more about Credit Score Manager http://www.idtheftquiz.org/blog/learn-more-about-credit-score-manager/ http://www.idtheftquiz.org/blog/learn-more-about-credit-score-manager/#comments Mon, 06 Feb 2012 17:40:55 +0000 admin http://www.idtheftquiz.org/blog/?p=1829

One of the most important things you can do to protect yourself from identity theft is to regularly check your credit report. You are entitled to a free copy each year from each of the three credit reporting agencies, and knowing what’s on those reports – as well as what’s not – will go a long way toward protecting your personal information.

But what do you do the rest of the year? The answer is simple: LifeLock.

With LifeLock’s Credit Score Manager, you will always know what’s going on with your credit report. Credit Score Manager provides safeguards for monitoring your report, and monitors it daily. You get an e-mail alert assign as any changes are detected to your report. In other words, as soon as a thief tries to swipe your good credit, you’ll know about it.

You’ll also get unlimited access to your credit management information. This means that if you find anything that concerns you on your credit report, such as a fraudulent entry or incorrect information, you can request to have it removed and then monitor the progress of your request.

And on top of all that, you get assistance from LifeLock’s knowledgeable staff 24 hours a day, seven days a week. Staff members are available to answer all our questions, and assist you should you find something on your credit report that you find confusing or if you just need advice.

Go online today at www.lifelock.com and learn more about Credit Score Manager. You can’t monitor your credit 24/7 – but LifeLock can.

]]> http://www.idtheftquiz.org/blog/learn-more-about-credit-score-manager/feed/ 0 Guard yourself from medical identity theft http://www.idtheftquiz.org/blog/guard-yourself-from-medical-identity-theft/ http://www.idtheftquiz.org/blog/guard-yourself-from-medical-identity-theft/#comments Fri, 03 Feb 2012 15:34:30 +0000 admin http://www.idtheftquiz.org/blog/?p=1827

]]> http://www.idtheftquiz.org/blog/guard-yourself-from-medical-identity-theft/feed/ 0 Keeping your Social Security number safe http://www.idtheftquiz.org/blog/keeping-your-social-security-number-safe/ http://www.idtheftquiz.org/blog/keeping-your-social-security-number-safe/#comments Mon, 30 Jan 2012 15:00:09 +0000 admin http://www.idtheftquiz.org/blog/?p=1823

One of the biggest concerns when it comes to identity theft is keeping your Social Security number safe. Once a thief has your SSN, he can open new accounts, obtain a mortgage, get a new cell phone and apply for a job.

Identity thieves use all sorts of scams to try and trick you out of your Social Security number. But there are steps you can take to be sure your information is safe. Here are a few suggestions.

• If someone calls you and asks for your SSN, you are not legally bound to give out that information over the telephone. If you are unsure of the person on the other end of the call, don’t give out your SSN. If the caller persists, hang up, and verify the request with an official representative of the organization.

• If you are establishing a new account with a business you’ve never dealt with before, and the business requires your Social Security number, but can’t give you an explanation of how they will use and protect your SSN, remember that you have rights. There is no law that prevents businesses from requesting your SSN, and the business has a right to refuse service if you don’t provide it. Ask if there is an alternate form of identification you can provide, like your driver’s license.

If you have given your SSN to someone and you’re now worried that you may have fallen for a scam, contact the credit bureaus and watch your credit reports carefully for any fraudulent activity. If you find any bogus activity, report it immediately and close the accounts. You will need to file a police report and contact the Federal Trade Commission to report the incident as well at 1-877-438-4338 or go online at www.consumer.gov/idtheft.

]]> http://www.idtheftquiz.org/blog/keeping-your-social-security-number-safe/feed/ 0 Know the ‘life’ of the documents in your business http://www.idtheftquiz.org/blog/know-the-life-of-the-documents-in-your-business/ http://www.idtheftquiz.org/blog/know-the-life-of-the-documents-in-your-business/#comments Fri, 27 Jan 2012 14:39:28 +0000 admin http://www.idtheftquiz.org/blog/?p=1820

]]> http://www.idtheftquiz.org/blog/know-the-life-of-the-documents-in-your-business/feed/ 0 Child safety – It’s every parent’s responsibility http://www.idtheftquiz.org/blog/child-safety-%e2%80%93-its-every-parents-responsibility/ http://www.idtheftquiz.org/blog/child-safety-%e2%80%93-its-every-parents-responsibility/#comments Mon, 23 Jan 2012 15:06:06 +0000 admin http://www.idtheftquiz.org/blog/?p=1816

Some people think they can do what LifeLock does for themselves – and they can do it for free. But in order to monitor your information just as LifeLock does, you’d have to invest a considerable block of time. And if you’re also concerned about the identities of your family, then it will require even more time and energy.

Think about it. Child identity theft accounts for about 5 percent of all identity thefts reported each year. But that’s only the ones that are reported – there are many more that aren’t reported because the ones perpetrating the crimes are family members or friends, and it gets sticky when you point the finger at family or friends. Then there are thousands of cases each year that occur, but aren’t reported because child identity theft can go undiscovered for years.

But monitoring your children’s identities is incredibly important, because their Social Security numbers are given out almost as often as yours.

If you have LifeLock, then consider adding your kids for just a small amount per month. You can pull your child’s credit report each year as well, but the peace of mind you’ll get from knowing that LifeLock is checking 24/7 to be sure your child’s information is safe is worth the extra couple of bucks you’ll pay per month.

It’s a parent’s responsibility to watch out for the welfare of his kids. We all know to make sure they are fed, clothed, get an education and are healthy. But how often do we think about protecting their personal information? It should be on the forefront of every parent’s mind. Ignoring the possibility won’t make it go away. If you already are signed up with LifeLock, take the extra step to protect your whole family today.

]]> http://www.idtheftquiz.org/blog/child-safety-%e2%80%93-its-every-parents-responsibility/feed/ 0 Look for shredding events near you and take advantage http://www.idtheftquiz.org/blog/look-for-shredding-events-near-you-and-take-advantage/ http://www.idtheftquiz.org/blog/look-for-shredding-events-near-you-and-take-advantage/#comments Fri, 20 Jan 2012 15:53:23 +0000 admin http://www.idtheftquiz.org/blog/?p=1814

]]> http://www.idtheftquiz.org/blog/look-for-shredding-events-near-you-and-take-advantage/feed/ 0 Social media posts can be used by thieves – and employers http://www.idtheftquiz.org/blog/social-media-posts-can-be-used-by-thieves-%e2%80%93%c2%a0and-employers/ http://www.idtheftquiz.org/blog/social-media-posts-can-be-used-by-thieves-%e2%80%93%c2%a0and-employers/#comments Wed, 18 Jan 2012 16:06:25 +0000 admin http://www.idtheftquiz.org/blog/?p=1812

It’s not just criminals who are trolling social media sites for information on you these days – potential or current employers do it as well.

More than half of employers are estimated to have looked at the social media sites used by current employees to check out their “off-duty” activities, concerned about how postings and implied behavior might reflect on the company. Potential employers have also jumped on this bandwagon, also checking information to see whether a person is a good hire.

Ironically, 27 percent of those surveyed said they would feel uncomfortable if this were done to them. Thirty-seven percent said people change their persona online, so it doesn’t matter what you see on social media sites – it’s phony anyway, they maintain.

So if you are looking for a job, or value the one you’ve got, you should make sure there’s no “incriminating” posts on any of your social media profiles. Check out your photos and comments from friends, as well as your own commentary.

As for employers, they should be aware that they must comply with the law, and make sure they don’t violate anyone’s rights, and that they avoid dismissing someone unfairly because of social media content. This could result in a lawsuit with a discrimination charge. And if a company is pointed out as a “snoop and a snitch,” it could damage its reputation.

It’s not enough to guard your identity these days – you’ve also got to guard your reputation. Watch what you post.

]]> http://www.idtheftquiz.org/blog/social-media-posts-can-be-used-by-thieves-%e2%80%93%c2%a0and-employers/feed/ 0 Online risk to your identity on the rise http://www.idtheftquiz.org/blog/online-risk-to-your-identity-on-the-rise/ http://www.idtheftquiz.org/blog/online-risk-to-your-identity-on-the-rise/#comments Mon, 16 Jan 2012 15:11:25 +0000 admin http://www.idtheftquiz.org/blog/?p=1810

So you got yourself a shredder, and you shred all documents bearing your personal or financial information before you throw them out. Good for you. Think you’re doing all you can to protect your identity? Think again.

Every time you turn on your computer, you put your personal and financial information at risk. Cybercriminals are working harder every day to find new and innovative ways to get at your information online, and they’re getting better at it minute by minute.

Most people have heard of hacking and phishing, and they understand how these techniques work. But many people don’t know about the black market, and how criminals use it to commit crime.

The black market is an online place where criminals can literally purchase parts of your identity or the whole ball of wax. They can then sell the information they’ve purchased to criminals all over the world. The buying and selling of personal and financial information is big business, and millions of identities are stolen each year to fuel the fire.

One of the hottest tickets on the black market is Social Security numbers. It’s crucial that you protect yours. Don’t carry it with you – keep it stored in a safe place, and only carry it when you need it for a specific purpose.

If you are asked to provide your SSN, find out why it’s needed and how it will be handled after you have given it. If you are uncomfortable with what you hear, ask if an alternative form of identification can be used.

When online, never enter your SSN in response to an unsolicited e-mail. If a site requires your SSN, don’t give it unless the site is secured.

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