Tag Archives: Identity

How Internet Identity Fraud Destroyed One Man’s Life

In less than half a year, Dave Crouse went from living a secure middle class lifestyle to facing financial bankruptcy – and it all happened online.

“It’s been a nightmare,” says the 56-year-old Bowie, Maryland resident who had $ 987,000 billed to his debit card and accounts opened in his name linked to his bank account. Crouse’s once robust credit score of 780 is gone . His financial particulars has been made unrestricted. “Even though my identity has been destroyed, they’re still using it today,” he explains .

ID Theft Reaches New Highs

What happened to Crouse may be a worst case scenario . But identity fraud isn’t out of the ordinary. Crouse is one of over 11 million adults – one in 20 Americans – who were victims of identity fraud in 2009. As stated by a recent study by Javelin Strategy and Research, the price was a whopping $ 54 billion, making identity fraud one of the quickest growing crimes in the country.

Similar to millions of Americans, Crouse loved to bank and shop on the internet. Using a wireless Internet connection at home, he auctioned on http://eBay.com, downloaded songs from a music website and used his debit card like a credit card.

Crouse thought he understood how to protect his online privacy . He installed virus protection software and kept it up to date. He transferred important financial details to a backup drive and not once wrote down his banking password. Crouse also shredded his financial documents . “You think you’re safe,” he states. “You think you are protected.”

In February of 2009, his bank account started displaying a negative balance. Crouse started noticing small unfamiliar charges on his statements. Eventually they accrued to thousands of dollars. “I was going to the bank every day and looking at all the charges,” he recalls .

When Crouse opened an account at another bank, the very next day both accounts were debited $ 1,100. Lots of the charges were for internet purchases or from Cyber gambling sites. Third party charges appeared from Dell, Exxon, T-Mobile, Sprint, AOL and Best Buy. Some were for items delivered to out of state addresses.

In the spring of 2010, Crouse was shocked when he got a call from an Ohio police investigator who informed him that his credit card information had been found in the trunk of a vehicle during a narcotic and guns arrest.

Now, he has a pile of bills 12 inches high for charges that he never made. “I will never be able to make a big purchase like a car or a house again,” he explains.

If your credit card is taken, a call to your card company to get a replacement issued will generally limit your liability . But if your identity is stolen , there’s no easy or even permanent solution.

Identity Thieves Are Targeting Online Details

As more individuals similar to Dave Crouse are conducting their fiscal and leisure time activities online , identity thieves are targeting information that’s sent over the Internet.

While shredding financial papers provides some protection against off-line identity fraud, in the online arena nothing is temporary. Your identity exists in hundreds of locations there.

Thieves have a variety of hi-tech tools to take your information on the web. Malware that you unknowingly downloaded in an email file or in a music download can record your keystrokes, revealing your passwords and economic information. You’re also an easy mark for computer criminals if you connect to the Internet at public wireless zones without using a virtual private network (VPN) to protect your information.

Dave Crouse wishes that he’d known that before he put his identity online. He’s paid $ 100,000 trying to repair his finances ; and his retirement and savings accounts have been depleted.

These days , Crouse lives modestly, paying cash for regular expenses and having bills automatically taken from his checking account. “I’ve gone back to living like I did in the 70s,” he explains.

For his 60th birthday, Crouse was eager to take a cross-country biker trip . That dream has evaporated along with his identity. As a result of his credit fraud problems , Crouse lost his security privileges; and with it, any hope of getting high salaried employment as a government contractor. He expects that it will take him five years to get out of debt. “I will probably have to work until the day I die,” he states.

Dave Crouse has this warning for individuals who believe their personal information is protected online: “Every time you sign on, you are opening your door to someone to take your life away from you. It’s like opening your wallet to strangers,” he states. “And it’s only one click away.”

Take Action

If you believe you’re the causality of online identity theft or identity fraud, take precautions to secure your online safety. Run a complete virus scan. Put a freeze on your credit with the three credit reporting agencies. Don’t use any confidential information online.

If you’re connecting to the Internet at public WiFi hotspots , make sure you have a virtual private network (VPN) to protect your online privacy. These groups can help you combat against identity fraud:

http://www.identitytheftresourcecenter.org

http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt07.shtm

http://www.ic3.gov/default.aspx

Jan Legnitto is an investigative journalist and documentary producer who writes about criminal justice and intelligence issues. Jan is also a frequent contributor to the Private I blogs on Private WiFi.

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Identity Theft Prevention Tips

Identity theft is one of the fastest growing crimes in America and millions are victimized each year throughout the country.
This serves as a reminder to our community to take precautions to protect your identity. There are several good resources available online. Citizens can also visit our Glendale Police website for identity theft information at www.glendaleaz.com/police
In addition, we want to remind our citizens to not leave valuables or personal identifying information in their vehicles while at parks. Thieves tend to target vehicles in parking lots while hikers and runners are utilizing the trails. Never provide an opportunity for thieves by leaving your valuables in your vehicle!

Companies are scrambling to deal with the rising cases of identity theft and data breach incidents. Although most companies have good intentions and do their best to secure the personal information of their customers, data breach incidents continue to occur at an alarming rate. The information stolen by insiders or domestic and international hackers is then sold and used by identity thieves to commit fraud and steal billions of dollars from many companies. Knowing that personal data breach incidents are inevitable and personal information can be stolen from any company to defraud any company, businesses are better off having a plan B to prevent stolen information from any source from being used to defraud them. The proposed backup plan is an identity theft prevention program which can be designed, implemented and managed by qualified employees to identify, detect, and respond to identity theft red flags. Having an identity theft prevention program is also a major requirement of the US Federal Red Flags Rule regulation which is overseen by FTC and other agencies.

Latest Identity Theft News

Picture from page 157 of “Authorities book and house protection guard guidebook” (1918)
identity theft
< img alt=" identification burglary" src=" http://freecreditreportgov.co/wp-content/uploads/2017/06/14598386667_18e57a731c.jpg" size=" 400"/ > Picture by< a href=" http://www.flickr.com/photos/126377022@N07/14598386667" > Internet Archive Publication Images Identifier: policereservehom00dawkrich Title: Authorities reserve and also home protection guard handbook Year:< a href =" https://www.flickr.com/photos/internetarchivebookimages/tags/bookyear1918" > 1918(< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookdecade1910" > 1910s) Authors:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookauthorDawkins__William_Aaron__1881_" > Dawkins, William Aaron, 1881-< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookauthorCahalane__Cornelius_Francis__1875__Police_practice_and_procedure" > Cahalane, Cornelius Francis, 1875- Cops practice as well as treatment Subjects:< a href =" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectHome_defense_league__New_York" > Home protection organization, New York< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectDrill_and_minor_tactics" > Drill and minor methods< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksubjectPolice" > Cops Author:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookpublisherNew_York__E_P__Dutton___Company" > New York, E.P. Dutton & Business Contributing Collection:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookcontributorPrelinger_Library" > Prelinger Library Digitizing Sponsor:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/booksponsorInternet_Archive" > Web Archive Sight Book Page:< a href=" https://archive.org/stream/policereservehom00dawkrich/policereservehom00dawkrich#page/n157/mode/1up" rel=" nofollow" > Book Visitor About This Publication:< a href=" https://archive.org/details/policereservehom00dawkrich" rel=" nofollow" >
Directory Access Sight All Images:< a href=" https://www.flickr.com/photos/internetarchivebookimages/tags/bookidpolicereservehom00dawkrich" > All Pictures From Book Click here to< a href=" https://archive.org/stream/policereservehom00dawkrich/policereservehom00dawkrich#page/n157/mode/1up" rel=" nofollow" > view book online to see this image in context in a browseable online version of this publication. Text Appearing Before Photo: our object, and search for out all you could of thecircumstances bordering the

burglary, so that the membersof the Division who use up the situation from your reportwill be able to continue smartly. If you do not make amemorandum of all the product facts, it will certainly be necessaryto send one more police officer to find them out prior to the Depart-ment can proceed efficiently. A lot of judgment need to be made use of at the scene ofthe criminal activity. It might be discovered that if you detain the thiefon suspicion right away, as well as before adequate evidencehas been obtained to validate it, he will certainly leave conviction; for, when a scoundrel recognizes he is thought, he will not doanything to corroborate those uncertainties. In such a cir-cumstance, you should instantly phone the truths tothe station-house to ensure that an investigator could be appointed to thecase. Being in plain clothing, and also his identification unknowned, he could protect evidence which you, with your workplace recognized, may not be able to acquire. 139 AUTHORITIES RESEEVE AND HOME PROTECTION GUARD Text Showing up After Photo: Keep in mind the Differexce a POLICE RESEEVE AND RESIDENCE PROTECTION GUARD Keep in mind Regarding Pictures Please note that these images are drawn out from checked web page pictures that may have been electronically enhancedfor readability- pigmentation as well as appearance of these pictures

may not flawlessly look like the initial work.

5 Critical Identity Theft Prevention Tips

people can utilize to remain safe to a big degree. From these, the following are some of one of the most important identity theft avoidance ideas you could make use of. 1. Never ever throw individual letter in the trash. Use a shredder or tear the letter into exceptionally little pieces prior to disposing them off. The best would certainly be to either shred them or burn them.2. Never ever enter your charge card information on the internet unless you see the lock sign on the reduced best side of the display as well as it is pointed out that it makes use of SSL technology. Unless you look for this, you might as well hand over your charge card to anyone on the road to use. 3. In case you will be away on vacation or company, educate as well as ask for the blog post workplace to hold on to your

mail till you come as well as receive them on your own. Do not allow the letters to stack up in your box. This is one of the most common way for individuals to have their identities swiped.4. Bear in mind to ruin all invoices when you remain in an ATM. Also, when you utilize these devices, take extra treatment to protect the keypad(when

you vital in your PIN )from spying eyes. This is just one of the most crucial identity theft avoidance pointers considering that the majority of the information is gathered from the thrown out transaction slides or invoices that are carelessly included the dustbin of the ATM MACHINE.5. Have your credit history records inspected occasionally, every 3 to six months, so you can catch any questionable deal prior to it substances into a major crime. The above identification theft avoidance tips are extremely essential to your security, but are not unique. If fact the ideal feasible identification burglary prevention suggestion is to be alert and well informed regarding your monetary status whatsoever times

. Eddie Lamb publishes a wealth of information on an array of topical subjects. This write-up 5 Essential Identity Theft Avoidance Tips, is simply one of a host of helpful articles about Identification Theft noted on our site map at< a rel="nofollow" href="http://www.IdentityTheftOnTheNet.com"> Identification Theft On The Internet.

College Students: How to Protect Yourself from Identity Thieves

identity thieves
by Internet Archive Book Images

It must actually be no shock that because 2005, greater than a third of the victims of identity burglary in the United States are college trainees. That’s since trainees rarely take safety measures to safeguard themselves agains identification burglary, because lots of people have potential access to their personal information, and also because they are the receivers of a lots of bank card and various other business junk mailings.Todd Davis, the

CEO of LifeLock, the country’s initial identification theft prevention service for consumers, supplied us these ideas for parents and also college-bound pupils to assist shield them from ending up being victims of identity burglars.1. Prior to going off to campus, trainees need to acquire a shredder and utilize it to destroy anything they could get rid of that contains personal details regarding tem; record cards, financial assistance forms, real estate information, course routines, etc. A good policy for students: if you aren’t going to maintain it in a safe file, shred it! 2. Dormitory areas and also student houses frequently have great deals of individuals in them, including some family member complete strangers. That’s why it makes sense to password safeguard computer system data and also secure files that include your personal info. Remember, it takes just one unreliable person to steal your identification as well as create you years of problem.3. Parents, have your daughter or son order a complimentary credit score report, and also check it for troubles.

You could get one totally free record a year, and deal with any kind of issues you recognize.4. In one of the most recent 3 years, greater than two hundred colleges, colleges, school areas and trainee lending organizations have actually shed individual information on nearly 9 million pupils, faculty, and personnel. In spite of rises in institutional safety and security, social safety numbers as well as various other vital identifiers are shed or swiped at a stable rate. Therefore, it makes sense to take steps to earn sure you have secured your identification in case your details comes to be prone to identification thieves.5. Choose out of all junk mail, immediately. Identity burglars can swipe credit scores card provides from your mailbox or rubbish(if you cannot shred), fill in the applications with your name and their address, and also charge countless bucks of items and also services to you. It occurs everyday.6. You could call the significant credit report reporting solutions to initiate scams alerts which implies you will, a minimum of in theory, be gotten in touch with before anybody has the ability to open up a brand-new account in your name. You must renew these signals every 90 days, or you could hire a credit scores security service to deal with it for you. Some such firms will in fact compensate you if any individual successfully takes your identity. One firm uses a warranty of up to$1 million.Taking a little time as well as working out some caution to avoid identification burglary is well worth the initiative. Safeguard on your own by being cautious, conscious, as well as alert. Daniel Z. Kane is a college dean that recommends pupils on < a rel="nofollow "href="http://www.online-degrees-and-scholarships.com"> on-line college level programs as well as on the internet degree programs.

Locate More< a href= "http://freecreditreportgov.co/category/identity-thieves/" > Identification Burglars Articles

SMART-BENEFITS Identity Theft Protection thru Kroll and Legal Shield

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Identity Thefts Targeted at Kids

< object kind="application/x-shockwave-flash" style="width:425 px; elevation:355 px;" data ="// www.youtube.com/v/-5aGWPRpHSI?color2=FBE9EC&version=3&modestbranding=1" > Crooks are taking Social Safety and security varieties of youngsters. For more, click on this link: http://abcnews.go.com/blogs/lifestyle/2012/06/a-new-crime-wave-of-identity-theft-is-your-child-in-danger/
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Insurance Against Identity Theft In USA

Identity theft is one of the fastest growing crimes in the world today and, with increasing technology, it is getting more and more common. Identity theft victims spend hours, as well as a great deal of money, trying to recover their financial identity. Most financial institutions, including your bank and credit card holders, will reimburse you for any fraudulent charges that are a result of identity theft, but they do not offer any other assistance. Most identity theft victims are forced to spend time away from work, making phone calls and preparing and sending various documents, to repair their marred credit report. This adds to the expenses of recovering from identity fraud and is usually the sole responsibility of the identity theft victim.
Identity theft insurance is one way to protect yourself against identity thefts unexpected expenses. Identity theft insurance services are becoming more and more popular as identity theft crimes continue to increase. This insurance is very affordable and can be found as a self-sufficient policy or you can add identity theft insurance to your regular home insurance policy. Identity fraud insurance will reimburse an identity theft victim for all those expenses relating to your credit repair that are not covered by the institutions holding the accounts. With an identity theft insurance policy, you can recover the wages you lost taking time away from work to deal with repairing your credit. You can also recover the costs of mailing certified documents, long distance charges associated with the crime, and professional fees like money paid to a lawyer or to have documents notarized.
Finding an Identity Theft Insurance Policy
There are millions of new identity theft victims each year and it becomes more and more difficult for these individuals to repair their credit and restore their own financial identity. Many victims are not even aware that their identity was stolen for months and once they discover the crime, they have no idea how it happened. Most major credit card issuers have policies in place to protect their clients from these crimes. Review your credit institution’s terms and policies on fraud and ask about possible identity theft insurance services they may offer. There are also a large number of credit monitoring services available. These services watch purchase activity on your credit card and alert you to anything that may be suspicious.
If you feel the charges may be the result of credit card identity theft, you can cancel the accounts at once and investigate the causes, avoiding the possibility of further damage to your credit. You should become familiar with the procedures of each of your credit card and bank accounts in the case of a lost or stolen card. If you do become an identity theft victim, it is important to know how and when the crime occurred. Keeping an active role in your credit activity is the best way to stay informed and will make it much easier to notice identity theft early if it does happen to you. Identity theft insurance is available to give you peace of mind in this event. While fraud insurance may not restore your identity or repair your credit, you know with this protection your expenses will be covered, giving you one less thing to worry about in an already stressful time. There are a few things you should consider when you are looking for the best identity theft insurance coverage for your self.
Things to Consider Before Purchasing Identity Theft Insurance
· Look for a reputable company that offers identity theft insurance.
· Research a business you are unsure of before making a final decision. The Better Business Bureau or online business review sites may provide more information.
· Check for companies that may offer a credit restoration service as part of their fraud insurance package. These services can work with you to restore and repair your credit quickly.
· Review the limits and the restrictions of the policy before signing. Some identity theft insurance policies may not cover certain costs, like legal fees, and some may have limits on expenses, like lost salaries. Also check for age restrictions and deductible amounts.
The company who provides your homeowners or renters insurance may offer identity theft insurance coverage as well. Some auto insurance providers may also offer the service. Combining your policies can save money over separate policies.
Be sure you are completely informed of the features of each identity theft insurance policy you are considering and take the time to compare each company before making a decision.
Protecting Yourself From Identity Theft
The biggest concern for identity theft victims is the devastation this crime causes to their credit history, damage that is sometimes irreversible. Identity theft insurance can’t prevent identity theft from happening, but it can give you a better opportunity to repair the damage that is done. Your awareness, involvement, and identity theft prevention techniques are actually the best identity fraud insurance you can find. Remember to keep your personal information private. Be careful who you give your credit card or bank account numbers to and never give anyone your pin number. If you use a debit card to make purchases, be alert to skimming devices and guard yourself against shoulder surfers who may watch as you enter your pin. Use a shredder to destroy all your sensitive papers and monitor your credit card and banking activity for any suspicious charges.

For More Details, Please Visit: http://idtheftandalert.com/

Ray Jessel   Identity Theft

Sunday Night at the Pavilion on Oct. 26, 2014 presented Ray Jessel performing “Identity Theft.”

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California Identity Theft Law Provides Stronger Protections to California Consumers Who Are Victims of Identity Theft

In response to the expanding scourge of identification theft, California passed its very own Identity Theft Legislation in 2001. The law supplies civil remedies to customers in enhancement to the criminal treatments versus the real identity burglars.

As a functional issue, there is regularly little factor in bringing a civil lawsuit against an identification thief. If the burglar is some computer system hacker or is or else a profession crook, a civil judgment versus them will be worthless. More regularly, we are seeing that the identity burglars are relative, and the majority of victims of identification thefts are unwilling to pursue prosecution versus a member of the family even if he, or she, did devote a criminal offense.

The The golden state Identity Theft law has an extremely details function: it offers targets of identity theft a civil treatment against lenders and also debt collectors who reject to cancel identity burglary accounts. For circumstances, allow’s claim Mary is a target of identity burglary since some firm did not secure her personal information as well as it was taken. She files her authorities report as well as get in touches with the debt bureaus to inform them of the identity burglary. She additionally contacts all of the financial institutions of the identification theft accounts (not the financial institutions of her authentic accounts) as well as requests that they cancel the accounts as a result of the identification theft. Several of them do. Nevertheless, 1 or 2 hold up and continuously attempt to gather on the accounts even after they have been recommended of the identity burglary circumstance. They might also take legal action against Mary despite the fact that they have actually been told concerning the identification burglary.

About these “hold-out” creditors, the target of identity burglary actually had actually restricted solutions prior to the passage of the California Identity Theft legislation. Safeguarding, and winning, a patently unimportant lawsuit is costly in terms of both money and time, as well as several customers encountered the issue of investing even more money to eliminate than they would certainly spend to resolve a pointless and deceitful claim. Additionally, traditional common-law legal theories actually did not fit well with the growing scourge of identity burglaries, as well as that sufferers of identity burglary badly should recover their credit score as well as financial balance to their lives to completely recover and relocate on.

The The golden state Identity Burglary Regulation allows targets of identity burglary to seek a huge and also reliable array of treatments against financial institutions or financial obligation collectors who do not terminate identity burglary accounts. The sufferers could obtain every one of their real damages, consisting of psychological distress damages; they could obtain a court order terminating their identity burglary accounts and also rejecting any type of claims brought against them for identity theft accounts; they can obtain their lawyer’s fees paid by the “hold-out” lenders or financial debt collectors and they could even acquire a $ 30,000 civil charge under certain situations. It is a legislation that all California consumers should know about.

The lawful citation to the law is The golden state Civil Code, Sections 1798.92 through 1798.97.

Below is what California consumers require to recognize making the Identification Burglary Law help them:

1. You have to submit an authorities record and/or a Federal Trade Payment fraudulence sworn statement as quickly as you find out of the identification burglary. If you have trouble getting your regional authorities to accept an identification burglary police report, go to www.ftc.gov for an Identification Theft testimony, or see the primary short article on our web site about taking care of identity theft. This post has details steps you will require to make use of if your local cops division refuses to take your identification burglary authorities report.

2. Send a copy of the police record to the lender or creditors (or debt collection agencies), suggesting them of the recognized details of the identification theft and asking for that they cancel the identification theft accounts.

3. You need to provide the lender or financial obligation enthusiast Thirty Days to cancel the account and/or disregard the suit. Sometimes they will certainly ask for more information from you; if they do, provide it to them. If they do not act within One Month, or they choose not to terminate the account, then you have to call our law firm instantly for a free case review as well as examination.

4. Bear in mind to maintain all correspondence by means of certified mail, return receipt asked for, as well as undoubtedly keep copies of every little thing you send as well as receive. This will not only aid us assess your case, but these letters are frequently the absolute best proof in any type of insurance claim for an offense of the California Identification Theft Regulation.

Robert F. Brennan, Esq. is a principal with Brennan, Wiener & & Associates, an AV-rated law practice in La Crescenta, CA. His company focuses on consumer protection litigation including financial obligation collection misuse. He could be reached at http://SoCalDebtCollectionAbuse.com.