Posts Tagged ‘Scams’

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Securing Life Lock Services For Protection

October 31st, 2010

Before computers were developed to display high resolution and store data heavily, you can only do so much with it with the documents you can handle, file after file. There was nothing so much about it, really, and you wouldn’t rush to it every time you go home when you’re out earlier, unless if there’s really this word document you need to type for printing. If you wanted to socialize, you still cannot use the pc for that, thus you needed to go out and interact personally with people you meet or visit purposefully. However, as internet emerged as powerful force, the face of society changed. Communication now relies mostly on online exchanges, and people became more attached with their pc units more than ever. And since the internet offers faster means without you having to leave your home, the dependency to online transactions have grown and the inputting of information rapid and sometimes unprotected, thus there are grave consequences that wait. But Life lock is pretty much keen on helping you out in preventing such malicious intent from penetrating your accounts, and you only have to seek for their help by a call.

The presently common term of identity theft originated from as far back as 1964. The term might be a bit dubious considering that no one can literally “steal” someone else’s identity. But, literal leanings aside, it is possible to obtain enough information on someone as to conduct several important transactions in the place of someone else, usually for malevolent ends. And as the digital world is now bridging reality and the virtual, it is far easier to pretend to be someone else. One only needs to obtain passwords and usernames to transfer hundreds or even thousands of dollars in a matter of seconds. Admittedly, these automations in this system have made life easier for a lot of us. But these threats can also compromise all that we have worked hard for.

Thus with Life lock, you are ensured that prevention – if you have not gone through such – or restoration – if you have been a victim – is ensured. While other companies are not really all out with their support, thus making you do all the efforts, in here with their comprehensive packages, you are given priority and they only need your assistance, not the other way around. According to research, victims do not usually know why their accounts were hacked, and that makes it all the more complicated and hard to track by the victims themselves. A thief could search for information anywhere, like stealing credit cards, using public records or even to the point of rummaging in trash bins. That’s how determined those criminals can get, thus starting now you need to be very careful and vigilant, and if by all means, secure your accounts with the help of professionals.

If you have been unfortunate enough to be a victim of such theft, it is understandable that you have experienced a great loss not only financially but psychologically as well, considering that your perception on justice and safety has been displaced and shattered.

Life lock fully understands this, so they move to take a swift course of action by securing first the basics, and that is implementing the restoration phase. They will help you rebuild what you have lost in the best and most reasonable way they can, just to bring back what could be salvaged from the incident. By shouldering the major work, you only have to concern yourself about moving forward and recovering your drive to pursue with life while they do the important job they guaranteed you with.

It is best to read Life Lock these days. This is to protect yourself from being victimized by identity thieves who penetrate through your personal information like social security and credit cards. You may want to try Trusted ID


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Auto Leasing Scams

October 23rd, 2010

Car-leasing has been lauded as a far more appealing alternative to purchasing, supplying in the process the freedom to drive a fresh automobile at a lower price. The reality, however, is that renting is an option that’s tangled up with numerous pitfalls for the typical customer. Leasing legislations does not demand as much disclosure as getting an automobile. It’s given rise to many renting frauds that trick the purchaser into assuming they are into a good offer when, essentially, just about all he’s getting is a rough deal on the dealer s stipulations.

Here we look at a few of these common ripoffs and how to prevent them

Artificially reduced interest charges:

A number of traders offer a lesser rate of interest when in reality it s much higher. They do this by either purposefully quoting the money element as the interest rate or calculating the mortgage without amortizing some closing charges, just like the safety deposit, into the loan lease. Take the money factor for example: this really is usually indicated as a four decimal digit, some thing like .004. A number of dealers estimate this as a 4% rate of interest when in fact you must multiply it by 24 to get an approximate notion of the rate of interest on your loan. In this example, the rate of interest is a much higher 9.6% compared to the quoted price of 4%. Make positive you crunch the numbers and realize the method they utilize to calculate their interest rate. Look out for any fees not factored into the calculations. In the event you aren’t happy, don’t enter into the lease contract.

Eliminate your lease earlier for a reduced penalty

This really is an all-time leasing fraud. You ask your vendor how much you may pay if you want to terminate your lease and he informs you: You want to get out earlier? Sure thing, you merely spend an early termination fee of $300 . What he’s quoting is only the modest administrative fee of early end of contract, there is a significantly more rigid penalty known as early termination payment which runs into thousands of dollars.Don’t mistake the early end of contract administrative penalty with the termination charge. Browse the small print cautiously and understand specifically how much you will get charged should you end your lease just before its scheduled end.

Spend for an extended guarantee you really don’t need

This really is another shell game to inflate the dealer s profit at your cost. The dealer slides an extended-warranty into the package whilst it s already factored into the monthly premiums, or perhaps he tricks you into acquiring a 36-month guarantee on a 24-month rent. You don’t have to pay added money for a guarantee already built into your payments or for one that goes well beyond your lease period. They may slip an prolonged guarantee in. Don t be fooled, the warranty is already factored in.

No security downpayment

Any vendor that promotes a $ security deposit is not letting you know the entire story. A security deposit is usually factored in the lease under the provision for disposition fees.

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Identity Theft – How You Are Able To Win

October 21st, 2010

Find out how you can overcome your obstacles with identity theft. There are certain procedures you can do to help minimize the impact of this crime.

You can take certain measures to help decrease running the chances of being another victim of identity theft any time in the near future. There is only so much you can do though, even from a proactive standpoint, to avoiding this from happening to you. And ultimately you can do certain things in order to help minimize the impact if you do in fact experience identity theft.

Did you know that just because your information was compromised that the thief might have not actually used it? Your information may actually get sold instead of being used right when it’s taken.

I’m not trying to use this as some scare tactics. There are a lot of countries that offer no protection for identity theft victims as this is still such a new crime.

You may have had your wallet stolen or entered some important information on a website that you accidentally thought you could trust and now your security has been compromised.

As part of the documentation process, on of the first things you need to do is place a fraud alert on all three of your credit reports. This gives constructive notice that someone has taken your information. A business that issues credit then is required to go the extra mile and really make sure the person who signed up for the credit application is indeed legit.

You want to go to the FTC’s website and file a complaint as well. Keep yourself organized and get some folders and make hard copies of everything so that way you can have back up copies. Who knows what could occur so you want to document every step of the way what you did to help fight the theft. Really you’re just going to have a lot of paperwork. This is a crime, but it doesn’t necessarily mean any physical harm will come of it.

Learn some basic actions to try to guard yourself from idenity theft.


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Identity Theft Protection Services: Living A Safety Credit Life

October 18th, 2010

Try to imagine that you are walking on a dark street, all alone and passersby are not visible. Suddenly, there are people who would walk to your direction, you can never see their faces but you are already aware of what will happen next. One person would come to you, a sharp object will be pointed to you and you would be asked to give all of your valuables to him. You are left choice less. You will just give whatever it is that you have in hand and just pray that you could make it through that moment still alive. When someone steals your credit identity, the very same thing happens. If you are one who does not have identity theft protection services to help you secure your identity, you are very likely a helpless target of those predators.

Some people though are thinking if they must really get the protection, they will not have any convenience with it come to think about it. There are a lot of times when you would simply just want to find a way to save every centavo that you have. Of course that is never easy but then you can try when you try not to spend on extra expenses. If you would want to do away with the fears that come with having a credit card hot on your wallet because you have no protection, then you will feel definitely at a lost.

Having the identity theft protection services around is very important for everybody. There should not be anyone who should be in a very difficult situation. And of course, getting all of these services to help you out is the best key to achieving your comfort zone that is by getting something that will protect you every second of the day.

Being able to have that kind of protection is of course something that will make you spare a slice of your budget. But then of course that is not anything compared to the money that you would have to pay for all of the purchases that will be made by the credit identity theft. You should see to it that you would avoid thinking of the money that you will spend for the protection and look at the bargain- you will be able to do away with paying for something you never used your card for! Just think of it as a form of insurance, the way your health insurance is. No one would of course want to be sick (or in this case become a victim of identity theft) but then when that happens or strikes you, then you will have the one thing to rely on.

Lastly, whenever you get struck by the problem, getting protection services will make sure that you will not be left in awe and pity. The truth is, the best way to arm yourself against knowledge is knowledge itself. But then of course, the services may have some problems and should there be anyone intelligent enough to decode all of the names and identities in the database to cause headache, at least there is a secure amount that could be used to pay for the damages. If you are not going to get the identity theft protection services, then of course you would feel really very frustrated and afraid. You will need to pay for the amount on your own when you get hit by the problem as it will leave you in debt forever! A secure amount is there to help cut the amount that the theft cost on your debt record as with the services and the insurance claim can entitle you with that.

Credit and identity theft has gone rampant these days and you never know who’s going to be the next victim. To prepare yourself from this unscrupulous crime, you should try identity theft protection services to keep your peace of mind. Or you may want to try Life Lock


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Keen Eyes On Credit Report Monitoring

October 16th, 2010

You need to always keep track of all the things that you have around you if you wish to get all of the important things and plans executed the right way. This is a very tough life you see. Although you try hard not to feel disheartened, try not to be in one of those surprising situations there are still these surprises and worries that come to you. They often strike strongly and before you get aware of it, you would not have an easy way out anymore. If you decide to get a credit card, for example. Initially, you will feel that it is very convenient because you are able to make purchases even if you do not have cash on hand. The only risk involved in it, aside from overspending, is becoming a victim of identity theft. In order to get the right score of your credit- monitoring if there are any conspicuous movements, you would need constant credit report monitoring. There are other means by which you would be able to follow your credit as well.

Listing all of the things you have purchased and to keep your receipts as well are the most effective ways to follow your credits made. You could probably just think that this is just a waste of time or another way by which you could add clutter in your house. However, all of these things could ensure that you are able to follow all of those purchases you made. Aside from that, you may use that to serve as your proof of the purchases that you make so it is not going to be a waste at all.

Also try to shop only once in a month or a week. This will help you from keeping easy tabs of your purchases. When you shop for home essentials or all of the other things that you would have to purchase, then try to do the shopping in one day or on a scheduled date and refrain from using the credit card after that. Now, the cue is simple – if there are purchases made on days beyond the days that you set aside for your shopping, then someone must be using your name!

Being the one quick and reliable way to keep tabs of all the purchases, it is very important that you hire professional services such as credit report monitoring. You barely even have to think about it. You just have to pay diligently for the company to follow everything about your credit card number and then they will show you the report, weekly and sometimes monthly, if you see that there are purchases that are not made by you, they could also help you out in finding ways to answer the crisis! Indeed, that is so much convenience on your side.

Because of credit report monitoring, you will be able to adjust to situations and to even keep better track of your credit. It is also a good way to keep yourself protected as no one would wish that he or she would become a victim of identity theft for sure.

It is best to read credit report monitoring these days. This is to protect yourself from being victimized by identity thieves who penetrate through your personal information like social security and credit cards. You may want to tryidentity protection


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Ways To Prevent Identity Theft

October 12th, 2010

Everyone has heard a horror story about identity theft from TV shows or magazine articles. In the popular culture, references of identity theft are found in the novels and movies, notably Frederick Forsyth’s novel, “The day of the Jackal” and the 1995 movie “The Net.” In real life, the Identity Theft Resource Center reports 8.9 millions identity theft victims in 2006.

An identity theft occurs when somebody steals vital pieces of personal data information, e.g. your social security, credit card numbers, etc. and uses that data information for financial gains by taking your identity. The most common form of identity theft involves credit card and mortgage frauds. But it can also be used for vicious crimes like drug dealings, terrorism, etc.

You may be surprised to know that many minor identity thefts are committed by someone you know. So, don’t make it an easy job for a person to steal your personal information from your wallet, checkbook, etc. Avoid leaving things containing your personal information lying around for others to have an easy access to that information.

Shred, shred, shred. Buy a cheap paper shredder from an office supply store and shred all your paid bills, used check books, etc. before tossing those into the trash. Put aside 30 minutes every Saturday morning for shredding anything that contained your personal information that you intend to trash. Make it a habit.

Never give out your personal information like your social security number; birth date etc. over the phone when the call is received unsolicited. Your financial institutions have that information and they will not ask you for that. Sometimes, for verification purposes, they make ask you the last four digits of your social security number.

Don’t pay anybody to get a copy of your credit report. Because of a congressional mandate, all three-credit report bureaus will give you a copy of your credit report for free every year. Go to AnnualCreditreport.com to obtain your free credit report every year from TransUnion, Equifax, and Experian. While obtaining your free credit report, these bureaus will push some paid services. Just ignore those.

Don’t get your free credit reports from the three bureaus all at the same time. Then you have to wait one year before you can get your reports again for free. In the mean time, some unwanted stuff may show up in your report. Get your free report every four months from each bureau. If you are using a PDA, password protect it to prevent others from accessing it.

Phishing is a popular method to steal information for identity theft purposes. Do not be a phishing victim. Avoid clicking on any link that comes to your way through e-mails or IM. The e-mail will disguise itself coming from your financial institutions (your bank or PayPal accounts) and will urge you to click a link to verify your accounts or resort to such other tricks. Sometimes, it can be outright threatening. If you click the link you will end up in the thief’s website. And if you enter your user name and password, the thief will have enough information to log into your actual account.

Begin online accounts for all your credit cards and financial accounts. Online accounts are not only convenient for faster bill paying, paperless transactions, etc., they also monitor your accounts frequently, instead of waiting for the monthly bill or statement to arrive. Monitor your accounts online every week and if you see any suspicious charges, checks, etc., call you banks immediately. Also setup e-mail based account alerts, if available, to alert you when charges are made to your accounts.

If possible, avoid putting your outgoing mails containing bills and checks in your mailboxes for easy access by a thief. Drop them in mailboxes located in the post office or street corners. Setup online bill payment with your bank and avoid the snail mail for bill paying all together.

You also need to keep your computer safe. Thieves can get into computers through spyware and unsecured wireless or network connections. Use anti-spyware programs and turn on your Windows default personal firewall program. To prevent viruses infecting your computer, use an anti-virus program. Setup accounts for each user of your computer and ask them to use strong passwords that include a combination of letters and numbers.

One way to prevent identity theft anybody, including you, from opening any credit in your name is to freeze your credit account. This choice is not available in all 50 states. If it is available in your state and you choose this option, you need to lift the block before you allow anybody, e.g. an employer for a new job, creditor for a car loan, etc., to access your credit information.


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How We Can Figure Out Potential Criminals Through Reverse Phone Detection

September 28th, 2010

It is common knowledge that dangers lurk in our areas but most often than not the local government on its own is unable to totally deal with these issues.

It is very sad that criminals can be allowed to get away easily so people really need to exercise better protection; meaning the kind that protects the rights, life and property of every individual no matter their status in life.

Matters to do with safety and security are sometimes in your own hands if only you could take the trouble of reporting the suspicious characters to the right authorities for them to be traced and punished. It can be done using the call tracing system, which can deal with calls that come from cell phones as well.

Cell phone numbers can be traced using the reverse phone searches, whenever an obscene call is received or when someone attempts to threaten you on the phone.

The strange caller can be traced by entering the number in the website in order to engage the reverse phone search agencies. You will be required to pay a small fee which will automatically allow you to get instant information about the caller.

You will immediately get the full information about the caller starting from the name, date of birth, service provider, full address and whatever other information available about the person.

With such information, one can get in touch with the authorities or law enforcers to alert them that this caller has been a nuisance to you. You will only need to give the same information you have received from the phone search service and the authorities will be able to do what is necessary to protect you and your family from falling into harm’s way.

Of course the direct benefit to you and the other members in your community is the fact that you will all have peace of mind knowing that any suspected criminals would immediately be traced and dealt with. Obviously one does not need any lethal weapon or any large amounts of cash for proper protection to be available. The answer is on the internet, which is the easiest way for people getting or if you like, giving the necessary protection needed for the families and properties of your locality.

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Strategies To Protect Yourself Against Computer Identity Theft

September 23rd, 2010

Computer Identity theft is a major crime that is expanding each year. If you are a victim of identity theft it may take months, even years, trying to repair credit history. A seriously damaged credit report can compromise your chances of getting a new job, a bank loan, insurance or even rental housing. It’s even possible to be arrested for a crime you didn’t commit if someone else has used your identity to break the law.

Unfortunately, many of the methods that thieves use to steal identities are beyond your control to guard against. Although it’s rare, even store clerks have been known to use their position to pass along information to identity thieves. There are some measures you can take, however, that will make it harder for a thief to steal your identity.

Protect Your Credit Card Number After It Has Been Swiped Through A Terminal

Protect your credit card number after It has been swiped when making a purchase, check to make sure that the printed receipt hides all but the last 4 digits of your credit card account number (usually there will be Xs in place of the first 12 digits). Some terminals still print receipts that show all of the account number, and may include the expiration date as well. After your card is swiped, you are permitted by law to hide the first 12 digits of your account number on the copy of the receipt that the vendor retains. A marking pen that will do the job usually.

When you go to a restaurant, it’s especially important to make sure that the first 12 digits of your credit card number are hidden on your receipt. You might be in the habit of signing it and then leaving the restaurant’s copy on the table after your meal. An identity thief can easily steal the signed receipt before the waitperson comes back around to pick it up from the table. Don’t take any chances.

Do You Really Need To Give Your Social Security Number?

Another important way that you can guard against identity theft is to avoid giving out your social security number unless it’s absolutely required. Although you need to share your social security number when you apply for credit or for a bank account, sometimes a store or an organization will want to use it as an ID number, simply to identify you within their system. This is a common practice even though the law says that social security numbers aren’t to be used as ID numbers. In these situations, use your judgment. There’s usually an alternative if you ask.

Destroy Documents That Contain Personal Information

Buy a paper shredder and use it to destroy documents you’re throwing away which contain personal information such as credit card numbers, social security numbers, phone numbers and dates of birth. This is important to do both at home and at work. Identity thieves aren’t above going through someone’s trash to find valuable personal information that can help them obtain credit in your name.

If you do become a victim of computer identity theft, take the following steps at once. Contact credit card companies, shut off your accounts and ask to have new cards issued to you. Place a fraud alert on your file with any one of the three major credit bureaus. The other two will be notified automatically. File a police report. You may need it to show to creditors as proof of the crime.


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Programs That Can Expose Or Protect Your Identity Online

September 21st, 2010

During the early years of the internet, it was very easy to be an unknown person. There was no way anyone can get information about you. But now, there is a myriad of ways for people to grab information from your computer.

Hiding your identity over the web helps maintain your much worth privacy. People who are always on the internet know about the dangers of leaving your identity open. You get spam emails or even get hacked and worse, get your identity stolen. This is why concealing your identity over the internet is very important and by hiding yourself lowers the risk.

By hiding your IP address, you can roam around the internet free of worries. You can also keep you contact and other private information. By placing a proxy server, people will not be able to track down your real IP address. It becomes very difficult for people to locate your exact location as well as steal information.

People would offer you some random proxy servers and services that helps you surf over the internet freely. Try loading internet browsers that have high security capacities but sometimes, they work differently.

Other than proxy settings, you can also hide your information by means of clearing all cookies and cache from your web browser every time you connect to the internet.

Since identity theft is very rampant these days, concealing your identity is fast becoming a trend. Some people are able to track down your IP address and steal information from you and use it to their advantage.

Hackers attack your computer and steal your personal information for their gain. This is why a lot of people would want to access the internet in a very subtle manner to avoid having their identities stolen.

You may have different reasons as to why you want to protect yourself or arm yourself with proxy settings. In any which way, always know how to defend yourself even from hackers.

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Important Tips Regarding The Use Of Online Logins And Passwords

September 18th, 2010

If you are starting Internet business, you will be required to sign up and become member of various sites depending upon the need. You would have to sign up with social networking sites like Face book, email accounts, membership sites, forums, blogs etc. This means you would have to remember the log in names and password and keep checking latest updates.

Every account that you sign up for on the websites will require you to log in with a user name and a password that is known only to you. Therefore you would need to keep a list of all you log in names along with their passwords. These passwords are never to be shared with others or they can end up using your account without your knowledge.

Use different passwords and log in names while creating different accounts. Ensure they are not similar and never keep the same password in more than one account.

Always follow the safe rule of thumb for building your safe password – Keep it illegible and difficult to read and something that only you will know.

You cannot remember all the login IDs and passwords if you have more than ten accounts. Remembering all the passwords would not be possible.

Though your browser reminds you that you can set the browser to remember the log in ID and password automatically and log in every time without prompting, this should never be resorted to because then you are inviting hackers to access your log in ID and password directly from the browser. Another danger is that if your computer or hard disk crashes tomorrow, you will have lost all your data including the account login information and cannot access all of your accounts.

You might want to use the soft wares like Roboform to help you generate random passwords, save them and maintain an account of all of them. These applications are very safe to use and hackers cannot get the information from the websites because all the data is encrypted. People who have more than a few accounts use such soft wares to manage their long in passwords.

To maintain the data of your passwords back up, you can either take a backup of your files or store them in external storage media or elsewhere. Otherwise check out the option if the software allows you to save your password database on their online server besides saving it on your disk. Thereby you can also access the information from any other remote computer too.

Any method you follow to back up the data but it is very dangerous to write down the log in and password information on diary or paper, for others can get hold of the paper and use the information to log into your account. This should never happen.

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