Lifelock Problems And Experians Unhappiness

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Recently we saw several Lifelock problems make the news but truth be known the company didn’t seem to be effected and continued their growth, now having over a million customers. Lifelock continues to be the the number 1 choice in identity theft prevention despite a few new companies hoping in the shadows to step in should the Lifelock problems have proved to be critical.

In May we had the story breaking of several customers taking legal action against Lifelock over claims the Lifelock advertising campaign was misleading.

The claim was based on the fact that Todd Davis gives out his social security number in Life Lock advertisements to prove how confident he is in the identity theft prevention provided by Lifelock. It appears they felt, or at least their lawyer felt that this was misleading because actually some guy took out a small loan for $500 using the social security number of Todd Davis.

Obviously this made the national news, it’s a great story but then as the story ran it was shown that actually Lifelock had worked for Davis. The thief who took out the loan was caught and more importantly, his credit report remained unblemished.

We also found out that none of the customers who were seeking the class action had actually suffered a case of identity theft and had not even cancelled their Lifelock membership. The words ambulances and chasers sprung to mind and the story died a quick and relatively painless death.

The next Lifelock problems appeared to be a little more serious. Experian, one of the major credit bureaus were claiming that the service provided by Lifelock could be done by a person without the need of a monthly subscription.

Lifelock, acting on a on behalf of their clients, place a fraud alert on their credit file which means extra care should be taken when offering credit, loans etc. Basically it means the person fears their identity could have been compromised so please act with caution before opening offering credit. Incidentally, the person who took out the $500 payday loan in Davis name was able to because the loan company admitted to ignoring the fraud alert.

Experian tell us you can add a fraud alert yourself so Lifelock are taking monthly subscriptions under false pretences. This looked like serious Lifelock problems and once more the press jumped in feet first.

A little bit of digging by a few journalists who prefer to report news rather than a good story again showed that what appeared to be Lifelock problems, more than likely had an ulterior motive.

It seems Experian do not like fraud alerts on credit files. Fraud alerts slow down the the business of issuing credit and causes extra work for the credit bureaus. It’s for this reason that a fraud alert only lasts a limited period. You then have to go through the whole process of applying for it again.

Lifelock manage this for their clients every 3 months and should they forget and an identity gets stolen, they guarantee to make good up to the tune of a cool $1 million and it’s this their customers are more than happy to pay a $10 fee for.

One other reason Lifelock are not the favorite company of Experian is because Lifelock remove their clients names from mail lists. The Lifelock logic is that if you aren’t receiving credit card offers through the post, they can’t be stolen and accepted in your name without your knowledge.

Sounds reasonable right? Well guess who sells the credit card companies the names of affluent middle class Americans who the credit card companies want to target? This is huge business for the credit bureaus as these lists are extremely targeted and therefore worth a lot of money. Just consider sending out your credit card or loan offer to households you know for a fact already have several cards and an income of $80K a year instead of just posting to the masses and hoping for the best?

As with many new highly successful companies, ulterior motives can usually be found when stories start breaking in the papers and the Lifelock problems are no different.

If you were considering signing up with Lifelock, make your decision based solely on the service offered, not on the Lifelock problems that you may have heard about back in the Summer.

It’s worth remembering that yes you can do what Lifelock does for you yourself. You may also be capable of servicing your car yourself if you so wanted and some people do. Others though prefer the security that comes with the knowledge that a professional has done it for them and should they mess up, there is a full guarantee as back up.

Identity Theft - How Big Such Illicit Crime Possibility Happens to Us?

Identity theft is a thing that most people be fright of these days. Actually, identity theft is impersonating someone for some illicit purposes. Ordinarily, identity theft is committed in the favor of financial, job or occasionally medical insurance.

How Can Somebody Impersonate You - Identity Theft is Simple

Identity theft is not as difficult as you assume. The thief just needs some of important personal information concerning you, which is mostly done via phone or online. However, the theft can also be done offline. That’s why, you need to know the methods of identity theft so that you can protect yourself from the headache and distress of this crime.

Be cautious of what you throw in the trash since an identity thief can assamble bits and pieces of you from your garbage then use it to thieve your identity. If you are throwing out checkbook stubs, credit card paid bills or receipts ensure that you tear them into small incompatible pieces or run them through a shredder. Ensure that nothing that you throw in the trash can be used to collect anything personal about you.

Be wary of the person who hovers around the ATM when you are drawing your cash. A few of these apparently innocent people would be watching you to learn your pin and your card number. These people are trained to capture such information even with a passing glance so be careful. If they run to do so, all they have to do is stealing your wallet and they could then use up your bank account.

Identity theft can be executed online by accessing the Web pages you are using and stealing that information by scanning those very pages. This is why you should be very careful where and how you write your credit card number. It is amazingly easy to take the credit card details from an unsafe web site.

Therefore, if you are not assured that you are on the right website and that the page is encrypted, do not type your credit card number. Check the lock on the right side lower corner which means the page is encrypted. If it exists, then you can securely type your identity.

If you do not want to experience identity theft, you need to be cautious in using telephone or mobile phone too. There is possibly an eavesdropper who are overhearing while you are making a phone call.

Hence, you know that identity theft can be done in maximum ease. Start from now, consider the possibility of such smooth crime around you, and prevent yourself from being the victim of identity theft.

The Types of Shredding Machines and their uses

With identity theft cases are still making the news and companies like Life Lock continue to grow as people seek identity theft protection. Many don’t realize that they can do much of the protecting themselves by buying one of the $20 shredding machines that you see in all the larger stores today.

Paper shredding machines help to keep one’s identity safe. For those wondering what types of shredders are available, a good place to start to research this topic is on the internet. One can find a ton of information regarding the types available on the retail market. A person can choose from a personal shredder or an industrial shredder, depending on their needs. Again, research and knowledge is the key to understanding what is best.

Many different types of shredders exist. Understanding the different types available means you will be able to better choose the type you require. To begin with, a simple and inexpensive type of paper shredder is a strip cut shredder. This is one that cuts the papers into narrow strips. However, this is one of the cheaper types and offers the least amount of security, yet creates the highest amount of waste. A good alternative to the strip cut is the cross cut shredder, or otherwise known as the confetti cut paper shredder. Instead of using rotating knives like the strip cut, the crosscut paper shredder uses two rotating drums that go in opposite directions to cut the paper into small rectangles. Obviously the cross cut is for you if you are looking for a higher level of security that comes with a strip cut.

A ton of paper shredding machines are on the market, besides the strip cut shredder or the cross cut shredders. A person can choose from granulators, hammermills, grinders, and many other types. Depending on how small a person wants their documents to end up will depend on the type of shredder that they buy. One can even get their paper so small that it can be passed through a wire mesh.

Many types of shredding machines are on the market to help keep documents safe. By investing in one of the many shredders available, a person can rest easy, knowing that they are doing all they can to help keep their identity safe also. Identity theft is rampant in today’s world, and if one can stop it by just investing in a shredder, then who would not do so?

Using a shredding machine is just one step you can take to protect yourself form the dangers of identity theft. As the fastest growing crime in the world, we need to do all we can to help with identity theft protection. You can download my free report on the facts about identity theft by right clicking and selecting “save as” here.

Seven Useful Identity Theft Protection Pointers

Identity theft is something that can affect almost everyone – no matter where they live, and regardless of your age, social standing or race and color. Thieves may spare your car and your near and dear ones and may even leave your wallet unaffected because they have another target in mind - your identity. The cases of identity theft continue to mount and companies as well as individuals are losing billions of dollars as a consequence.

Reduce Chances Of Identity Theft Taking Place

It is therefore necessary to learn about some useful tips regarding proper identity theft protection which will help ensure that the chances of having your identity stolen are greatly reduced. The first (and, perhaps simplest tip) is to shred documents containing vital and important information. You need to destroy your outdated credit card statements as well as your bank statements and also medical bills by running these through a shredder that only cost about thirty dollars; but, which can help save you thousands of dollars.

It is very unwise to put your social security card in your wallet and carry it about with you. This identity theft protection tip is extremely important and must be adhered to. It would in fact, be far better for you to lock your social security card somewhere safe – such as in a safety vault. Instead of carrying the social security card with you it would be far better to memorize the number – though not by writing it down on a piece of paper.

Another important identity theft protection tip is to be very careful when submitting your personal details. Identity thieves are very clever and will use all sorts of sophisticated means by which to steal your identity. They could create fancy websites; offer you jobs or even claim to be sending you emails from your bank requesting personal information from you.

Identity Theft Protection Tips

Yet another identity theft protection tip that can help save you from becoming a victim of identity theft is to use security envelopes when sending personal information documents through the mail. Such envelopes will ensure that identity thieves will not be able to view the information contained in the documents enclosed in the envelopes.

Lastly, you should also pay attention to another identity theft protection which is to Xerox the contents of your wallet and file the copies away in a safety vault in order to keep a copy of important information contained in your wallet. Such copies will prove to be very important in case you loose your wallet or even when the wallet is stolen.

Credit card fraud too is on the rise and this is another area where you will need to learn about how to prevent such form of fraud. Identity theft can occur in a number of ways and so, even in case you have not given out your personal information; or, you have not had your wallet stolen; identity thieves can (and will) strike in very novel ways to deprive you off your identity. Taking extreme identity theft protection measures is the best way to combat identity thieves.

Protection from Identity Theft Knowledge

It seems that there are more headaches with identity theft now days than ever before. Could it be our constant connection with the Internet? Just maybe things are crawling into your personal files that you never invited. Yeah, it’s certainly a scary thought. Maybe it’s time you asked yourself, what am I doing to put a stop to identity theft? You should know that there are certain measures you can take in order to stay safe. The truth is we all need safety from identity theft, because it’s impossibly to keep up with who might snatch our personal information. 

Consider a few preventative steps. Number one is to guard your social security number with your life. Now I’m not telling you to die for it literally, but you get the general idea. Most people don’t need this information. Sure, you will use it a great deal in college, and maybe a few times after when you purchase a home or vehicle. Maybe take out a life insurance policy. But in general it’s not necessary to reveal, and I would firmly question those who request it. Another step you can take for shelter from identity theft is to avoid random scams. Most likely you’ve encountered some of these by email before. Maybe they tell you that you’ve won some kind of lottery or something unbelievable. Don’t take the bait! It’s spotlessly too good to be true. You should always be sure to shred your personal mail/documents. Destroy it and don’t allow others to get their hands on it. They could ruin your credit if they do. Always keep your financial information to yourself. If you’re going to buy online, I suggest you get a credit card that supplies you with a specific online number. This helps prevent against others getting access to your real card number. 

Get a credit report! You can acquire one of these online for free. Find out what’s presently up with your credit standing. You have to check these things on occasion. Someone could have already mottled your credit without you even knowing. And always be certain to protect your personal computer from viruses and spyware. Don’t let hackers slip in and steal your information. Finally, make sure you stop pre-approved credit card pitches. Someone else could get their hands on this and go shopping. When in doubt, ask oodles of questions regarding any pitch or buy. These measures will help with shelter from identity theft.

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Identity Theft Protection Plans

You have probably seen some of the commercials lately that are advertising identity theft protection plans; these companies include Life Lock, Identity Guard, Trusted I.D., and so many more. With identity theft cases being on the rise and considering the time and hassle it takes to correct this situation, you may wonder if it’s worth it to invest in any of these identity theft protection plans. To make that decision, consider what is usually included and the cost of these plans. No one can tell you whether or not it’s appropriate for you to pay for such protection, but like putting an alarm on your home it can be worth the investment.

Typically identity theft protection plans include credit monitoring services; they check your credit every day and email you every time there is a change. Obviously your credit will change and adjust because of legitimate reasons so this doesn’t mean that anything is necessarily wrong, but if you’re aware of changes on a daily basis you can be better able to stop this crime before it gets out of hand. Most identity theft protection plans also send you credit reports and your credit score on a regular basis. Monitoring your credit is one of the best ways to avoid and stop identity theft, so having someone do this on a daily basis can be a protection.

Depending on the company offering the identity theft protection plans you may also get scanning service of the internet to see if your social security number, credit card number, bank account numbers, and other information is being used without your approval. It’s surprising how many companies buy that information from larger, more legitimate companies; they use it for legal purposes of course but this still means that there are more eyes on your information and the more human contact this information has, the more risk you take of identity theft. Obviously you can’t scan the internet like this on your own so these identity theft protection plans that offer it may be worth the expense.

Many identity theft protection plans also offer insurance in case you do actually have your identity stolen. This might include reimbursement for costs incurred in correcting the situation, including lost wages for time you need to take from work and so on. You may also get reimbursed for credit that’s denied to you because of inaccurate marks on your credit report. Of course, if you’re just interested in an insurance plan like this your insurance carrier that handles your homeowner’s or automobile insurance may offer coverage, but these identity theft protection plans are much more encompassing than that.

Usually these identity theft protection plans are very affordable and may be seen as a good investment in your protection, just like paying an alarm company a monthly monitoring fee to protect your home. If you use the internet quite a bit and are worried about your information being compromised, it may be a small price to pay for peace of mind.

Identity Theft Solutions

It is very important that everyone learn about identity theft solutions, for themselves and their business as well. There is still some question about an employer’s liability if an employee were to be the victim of identity theft because of a coworker or a breach of the company’s computer records and equipment, but of course if someone is going to steal the identity of a worker it’s just as easy for them to steal valuable information about the company itself. So what are some steps that one can take when it comes to identity theft solutions at the office?

For one thing, employees should be educated about identity theft solutions and should realize that while they don’t want to create an air of suspicion about their coworkers they also need to exercise caution. No one should leave a purse or wallet in plain site or in an unsecured area. Desk drawers should be locked if at all possible, as should car doors of vehicles in the parking area. There’s probably no reason for employees to bring all their identification and credit cards to work every day and keeping these things at home is just a basic identity theft solution.

As for the company itself, screening potential employees is also part of the identity theft solution and if a company cannot afford to do this for everyone they should at be doing a background check on their human resources and accounting personnel, as well as anyone else that has access to sensitive information.

Avoiding hiring anyone with a criminal record or that changes addresses often can be part of your identity theft solutions for the company; someone that moves around a lot, especially with out of state moves, may be running from something or may not be very responsible. Also, keep in mind that employers have wide latitude of means by which they can protect their information and their company.

Many invest in computer programs that record every keystroke of their employees so that they can tell if someone is trying to get into an area of the company’s records where they don’t belong. While of course employees are allowed privacy in restrooms and locker rooms where they may need to change clothes, many employers have security cameras installed not just outside or in warehouses but in areas where sensitive information is stored. This can be an investment in identity theft solutions as someone is of course much less tempted to break into the files of human resources if they know that area is being filmed.

Most individuals know that they can check their bank account and credit report online regularly as a means of an identity theft solution; companies can do the same thing. If you don’t have online access to your bank account, it’s time to get it. You may have accountants and other personnel check your bank balances for you, but for true a identity theft solution you need to take responsibility to do this for yourself as often as possible.

Ways To Prevent Identity Theft

Identity theft is a serious issue today and anyone that ignores it or assumes it won’t happen to them is just opening themselves up to be a victim.  What’s interesting too is that there are easy ways to prevent identity theft that many people ignore or just refuse to practice.  This might be because they don’t see identity theft as being a real threat, assume it can never happen to them, or just don’t know what those easy ways to prevent identity theft are.  Let’s cover a few of them and see if you can’t make them part of your everyday routine.

Shredding your mail and other papers is one of the easiest and most effective ways to prevent identity theft.  Many people just don’t do this because they see it as a daily hassle.  A good way around this is to purchase a small bin or save a shoebox and put your papers to be shredded in there, and then a couple of times a month you can shred everything.  This means you don’t need to go through the hassle of shredding every day, and you can keep your small shredder in a closet and out of sight so you’re not tripping over it.

Even though shredding is one of the easiest ways to prevent identity theft many still don’t practice it, but if you consider that a small shredder is probably around twenty dollars at a local retailer and can easily slide under a desk or be tucked away when not in use, you see that it’s a quick and convenient process.  Get that small bin or shoebox and start tossing your junk mail and paid utility bills in there and then shred everything every other week or so, and see if you don’t agree that this is one of the easiest ways to prevent identity theft.

Refusing to bring all your credit cards and pieces of identification with you wherever you go is also one of the best ways to prevent identity theft.  If someone steals your wallet and your purse and all your credit cards, social security card, and checkbook is inside, what keeps them from stealing your identity?  Your bank account can be cleaned out in less than an hour and your identity cloned just as quickly.  When you go out, take only what cards you need and leave everything else at home, locked up.  Of all the ways to prevent identity theft, leaving identification at home should be the easiest!

Being careful with what information you reveal is also one of the ways to prevent identity theft.  Don’t write your driver’s license number on your check unless asked for it.  Don’t use your social security number as your password or PIN for anything.  Don’t offer information to anyone unless it’s absolutely necessary.  These ways to prevent identity theft mean that you need to understand how precious that information is and guard it carefully, as you would anything else you don’t want to get stolen.

Protect Yourself From Identity Theft

Why is it important to protect yourself from identity theft?  Quite frankly, you need to take steps to do this on your own because your banks and credit card companies do what they can to protect your information but they can’t do everything.  It would also be a mistake to think that it just can’t happen to you, that you don’t have enough money in the bank or stellar credit that anyone would want to steal.  No matter your situation you should do what you can to protect yourself from identity theft, and we can help.

The first thing you need to do to protect yourself from identity theft is to understand how identity theft occurs and how those thieves operate.  There are many who still go “dumpster diving” or who pick through the trash on the curb and even in landfills in order to find important information they can use to take your identity.  You may have heard many times over that shredding your personal paperwork is important in order to protect yourself from identity theft, and this cannot be emphasized enough.  It’s surprising how many people think nothing of throwing away utility bills, credit card statements, bank statements, and everything else that an identity thief needs.

A personal shredder is probably less than twenty dollars at any local retailer!  That’s a small price to pay to protect yourself from identity theft on a daily basis.  And if shredding is too much of a daily inconvenience, just toss your mail and bills into a bin or box and then take care of this chore once a month or every other week.  This way you won’t get overwhelmed and neglect this chore or wind up keeping too much paperwork in the house.

Using caution as to how much personal information and sensitive numbers you share with people is also important to protect yourself from identity theft.  Unfortunately many people still write their driver’s license number on all their checks even though they don’t need to do that.  Signing up for online bill pay can also help to protect yourself from identity theft so that you cut down on the amount of mail you receive and checks you need to write.  The fewer people that have access to your bank account numbers, the better it is.  Mail rarely gets stolen but it does happen.  And if you write a paper check to pay bills then this means that a human being needs to enter this information into a computer to record the payment.  The more humans your information comes into contact with, the greater the risk.

There is nothing that will absolutely guarantee that you can protect yourself from identity theft but the more steps you take to guard your identity, the less likely this will be to happen to you.  Like a house with good locks, a guard dog, and an alarm system, you can take some simple steps to protect yourself from identity theft too.

An Identity Theft Solution For The Home

Would you believe that the best weapon you can use as an identity theft solution costs less than twenty dollars, can easily fit into any room of your house, and only needs to be used once a month or so?  If this has piqued your curiosity then you’re not alone.  Finding identity theft solutions is a concern for many as this crime is one of the fastest growing in the world and can have far-reaching repercussions for its victims.

Fixing it is not like filing a police report for a stolen car; when your identity is stolen this might mean years of work and communication with credit bureaus and banks and spending your own money to fix the problem.  But there are many things that individuals can do when it comes to identity theft solutions and most of those things are simple and easy to follow and can be done by anyone.

But as for that handy weapon we’re talking as an identity theft solution, you may already suspect that we’re referring to a simple household shredder.  A small model is available at virtually any retail store and is very inexpensive.  It’s also one of the best weapons or tools you can use when it comes to identity theft solutions.  Since you probably have already heard this many times before, why are we talking about it now?

For one thing, as inexpensive as it is and as easy to use as it may be, some people still hesitate to use a shredder as an identity theft solution.  They may be worried about shredding something they’ll need later or find that it’s too much of a hassle to shred their daily mail.  If you find that you are hesitant to use a shredder as an identity theft soution because you don’t want to destroy something you’ll need later, remember that this rarely happens.  You only need a couple of month’s worth of utility bills; anything older can get destroyed.

Your bank statements can be accessed online very easily, so once you get a paper statement and look it over, it can probably be shredded.  While you want to keep your tax records and receipts for a good ten years, older ones can be destroyed.  One of the best identity theft solutions is getting rid of all these old papers but they should be shredded and not just thrown away.

And if the hassle of your everyday mail is keeping you from using a shredder as an identity theft solution, get a shoebox or small bin or just set aside a small bag where you can put your mail and bills and everything else that needs to be shredded.  Once a month, pull out your shredder and feed everything through.  This means that you don’t need to be tripping over your shredder every day and don’t need to take care of this chore on a daily basis either.  When it comes to identity theft solutions, that hour or two you spend every month shredding your papers should be worth the protection it gives you!