Don't be a Victim of Identity Theft

By Paul D. McDonald, M.B.A.

We live in an information-oriented society. Technology allows us to do business and make transactions literally in a matter of seconds. This abundance of information has given rise to a new crime - identity theft. In fact, according to a 2003 release from the Federal Trade Commission, approximately 27 million Americans have fallen prey to identity thieves since 1999. Each year that number climbs higher and higher. In 2003 alone, almost 10 million people in the United States reported being victimized by identity bandits.

So what does that mean? Someone has stolen your credit card - your credit card company can help you with that, right?

Well, according to the FTC, almost 60% of identity theft issues don't pertain to your existing credit card accounts. Identity theft can occur as a result of new lines of credit being opened in your name either through credit cards or bank loans, as well as phone/utility fraud and even employment related fraud. Because we are susceptible through so many avenues in our daily life, we are all at risk.

What can you do? Where would you turn if you found yourself in this situation? Would you know where to start to clear your name? Well, now you don't have to worry about what to do as we have the answer.

As you already know, Pre-Paid Legal Services?, Inc. is a pioneer of the legal services industry. With more than 30 years of experience in providing legal rights protection to our members, we have now teamed with Kroll Inc., the world's largest risk consulting company.

For more than 30 years, Kroll has helped companies, government agencies and individuals reduce their exposure to risk and capitalize on business opportunities. Kroll is an operating unit of Marsh Inc., the risk and insurance services subsidiary of Marsh & McLennan Companies, Inc., the global professional services .rm. With offices in more than 60 cities in the United States and abroad, Kroll can operate and restructure businesses; scrutinize accounting practices and financial documents; gather and filter electronic evidence for attorneys; recover lost or damaged data from computers and servers; conduct in-depth investigations; screen domestic and foreign-born job candidates; protect individuals, and enhance security systems and procedures. Over the last three years, Kroll has developed a unique solution for victims of identity theft. This new service is now available to Pre-Paid Legal members through the IDENTITY THEFT SHIELD benefit.

What does this benefit provide our members? The Identity Theft Shield gives you easy access to the resources you need to understand your credit ratings and to fight back if an identity thief threatens your financial standing. This benefit is designed to alert you to suspicious account activity, and to restore any resulting damage to your credit history.

1. Credit Report Through Experian

Make sure your financial records are accurate. Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Some insurance companies and prospective employers use your credit rating to gauge your sense of responsibility.

Experts recommend you review your credit report regularly. The Identity Theft Shield makes it easy. Members are entitled to an up-to-date credit report from Experian at no additional charge.

Personal Credit Score and Analysis from Experian. Know your credit score . . . and how it affects your ability to borrow.

Your credit score is derived from the information in your credit report. This score is used by lenders to determine your creditworthiness. The higher the number, the better your chance of being approved for the credit you want. A detailed analysis of your Personal Credit Score will be included with your Credit Report. You can use this analysis to evaluate your current credit standing.

2. Continuous Credit Monitoring Through Experian

Learn of suspicious activity before your credit is ruined. A professional thief can assume your identity in just a few hours. But it can take years for you to repair your credit standing. Early detection is key to minimizing the damage caused by thieves who steal you name.

With your Identity Theft Shield membership, your credit .les will be monitored through Experian daily. Suspicious activity will be brought to your attention, providing you with early detection. You'll receive prompt notice if any new accounts are opened in your name . . . or if negative notations are added to your credit report.

3. Fraud Restoration Service

Get personal assistance and advice from experts. Any discrepancy in your credit report should be addressed at once. Call our Customer Service Department at the designated Identity Theft Shield number and explain your concerns. If it is identity theft, our fraud investigators will assist you every step of the way. A Fraud Restoration package with complete and detailed materials, aids, and instructions will be rushed to you.

If you sign a Limited Power of Attorney, you will be entitled to Enhanced Restoration Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. On your behalf, Kroll will issue fraud alerts to the three major credit repositories, the Federal Trade Commission, the Social Security Administration, and the United States Postal Service. Kroll will work with the bureaus, creditors, and collection agencies to restore your credit accuracy with regard to your identity theft issues. If necessary and reasonable, Kroll will work with law enforcement, the department of motor vehicles, and other organizations to resolve your identity theft issues

If you decline the Limited Power of Attorney, you will receive Basic Consulting Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. Kroll will provide you with contact information and procedures for the organizations you will need to work with. Kroll will provide sample letters and forms and be available to you through a toll-free phone number for assistance and advice throughout the process of restoring your identity.

Now, it is important to understand any identity theft that occurred prior to the membership enrollment or any situations relating to a business identity are not covered. Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or child participated in, directed, or had knowledge of. Restoration services will not be provided for a preexisting, known stolen identity event. You must be an active, paid member to receive restoration services. Plan benefits do not cover financial losses arising from the identity theft.

Did you know, that on average, victims spend more than 175 hours and $1,500 in out-of-pocket expenses to clear their names? With Pre-Paid Legal's IDENTITY THEFT SHIELD, the cost of combating identity theft is much less. For just $12.95 a month [$9.95 along with the Pre-Paid Legal membership], IDENTITY THEFT SHIELD members have the added security of knowing they have someone to fight the battle for them. And the best thing is, this monthly fee provides benefits to you, the member, and your spouse.

Reports on identity theft are everywhere - television, newspapers, magazines, talk shows, etc. Now that you know this benefit is available, doesn't it make sense to have this sort of coverage? Imagine the peace of mind you would have knowing you and your spouse would have access to all of these services if you found yourself to be an identity theft statistic? Contact Paul D. McDonald, Independent Associate, to sign up for your Identity Theft membership by calling toll-free 1-877-711-1264. Don't wait until it is too late - do it today!

For a full list of disclosures and exclusions, please consult the Identity Theft Shield written material provided by Pre- Paid Legal.

Paul D. McDonald, MBA is a financial professional specializing in working with seniors and business owners. He assists people in making decisions on retirement planning, investing, insurance, budgeting, debt management, and many other critical financial decisions.

Paul can be reached by email pauldmcdonald@prepaidlegal.com or by calling 1-877-711-1264. You can visit his website at http://www.877-711-1264.com for more information

What Everyone Should Know About Reducing the Risk of Identity Theft

Identity theft commonly begins with the loss or theft of a wallet or purse. But there are many or high-tech and low-tech ways criminals can get their hands on your personal and financial information in order to commit identity theft. When someone uses your name or personal information, such as your credit card number, driver's license number, Social Security number, telephone number, or other account numbers, without your permission, you become a victim of identity theft.

Thieves steal your personal information and use it to open credit accounts, bank accounts, telephone service accounts, and make major purchases in your name. These criminals use your sensitive information to take over existing accounts, or open new accounts. Their criminal activities can result in damage to your credit rating and denials to credit and job offers.

Protecting Your Identity While there are no guarantees that your identity will never be stolen or compromised, there are several steps you can take to minimize the risks. Here are a few of them:

* Before you discard your personal information that you no longer need, such as credit card receipts, billing statements, and pre-approved credit card offers, shred them using, at best, a diagonal-cut shredder.

* Create unique passwords and personal identification numbers (PINS) and avoid using easily available information such as mother's maiden name, date of birth, or last four digits of your Social Security number.

* Do not give your Social Security number to people or companies that you do not know.

* Guard your mail from theft. Promptly remove your incoming mail from your mailbox and place outgoing mail in locked collection boxes at your local Post Office.

* As an extra measure of security, install a lock on your mailbox, even if mail theft is not an identified problem in your neighborhood.

* Before disclosing personal information, even to people you know where you shop or do business, insist on knowing the reason(s) your personal information is required and how it will be used.

Low-Tech Rip-offs: Thieves can do much damage with what they remove from your mailbox.

Criminals are increasingly creative in the methods they use to get their hands or eyes on your personal information, and ultimately, your money. Here are some of the low-tech techniques they employ:

* Dumpster Diving, one of the easiest ways for them to appropriate your personal information.

* Mail Theft from unsecured residential mailboxes. According to statistics, mail theft most often takes place at unprotected and easily accessible mailboxes in public places.

* Shoulder surfing takes place when a thief watches or listens literally over your shoulder as you enter your PIN into an ATM machine. They may even follow you home or your place of work to gather additional information about you.

High-Tech Techniques: Data transferred across the Internet can be intercepted during its journey.

* Phishing and Pharming: While phishing is a scam in which consumers are tricked into entering their personal information via a bogus email and website form, pharming occurs where hackers steal personal information from numerous people simultaneously through something known as "domain spoofing". They take over a DNS server and redirect user information to a new website that they use to gather, collect, "pharm" illegal information.

* Skimming: Thieves quickly and temporarily steal a credit card and run it through a skimmer, a credit card reader that has been reprogrammed to steal information off the card.

Fight Back: Reduce the Risks

Make education about the scams, schemes, and frauds criminal use to steal your identity your priority in view of the rising occurrence of this multi-million-dollar-problem. With education comes prevention. Here are some prevention tips to help reduce the risks:

* Safeguard your personal information. Never take simple things for granted.

* Carry with your only the information you need. Always keep your personal information and documents in a safe and secured place of your choosing.

* Order and review a copy of your credit report at least once a year.

* Shred documents containing your sensitive information before discarding them.

For extensive information about ways to protect your identity, visit "Protecting Your Identity" at http://www.ProtectingYourIdentity.blogspot.com/.

Known as The Master Blog Builder, Etienne A. Gibbs, MSW, helps small business owners and non-profit organizations improve their customer relationship marketing. Often he comes across cases that are red flags calling identity thieves to come in. Hence, he started the "Protecting Your Identity" blog. Contact him at http://www.MasterBlogBuilder.com/ for more information

How to Avoid Becoming a Victim of Identity Theft

Identity theft is the fastest growing felony in North America. There are ways to reduce or minimize the risk of becoming a victim of identity theft and fraud. I have taken the following steps to avoid becoming a victim of identity theft, and so can you:

Taking care of my personal data - I never give out personal information to people on the phone and to people who do not need to know. A person on the phone saying he is calling from my bank does not need to know my personal information because it is already on the file with my bank. I never print my Social Security or my telephone number on my personal bank checks. I would unnecessarily be passing out information to people who need not know.

I have had Scamsters call with offers to receive a prize or some valuable item, and asking for my personal data, such as Social Security number, credit card number or its expiration date, or my mother's maiden name.

While on the move - If I am away for some time, I have my mail held up at the post office, or have someone I trust empty my mailbox daily. In case I need to communicate some personal information to someone, I trust. I make sure I am in a booth where no one can listen to what I am conveying.

Checking financial information regularly - I regularly receive my monthly bank and credit card statements. If this becomes irregular, I check with the concerned institution immediately to ask what is going on. Chances are that my bills are going to an address I have not authorized. Someone may have assumed my identity and be improperly using my accounts. If so, I would immediately start proceedings to cope with this identity theft to put a stop to it.

In the next article of the series, let me tell you how I would cope with identity theft.

Jon publishes articles and ebooks to help individuals with their personal finance needs and goals

The Business of Identity Theft

Q: I use PayPal to accept credit cards for my online collectibles business. I recently received an email that my PayPal account was going to expire in five days if I didn't click a link in the email and give them my PayPal account information. Being naturally paranoid I decided not to give this information and I'm happy to say that my PayPal account did not expire. Was this a scam? -- Brenda A.

A: Be thankful that your paranoia kicked in, Brenda, because you were about to fall victim to the scam of the week, this one aimed at the 35 million merchants and individuals who use Paypal.com as their online payment processor.

The email you received was not from PayPal, but from an Internet bad guy behind a forged email address using the PayPal.com domain. You should understand that no reputable online company will ever ask you to provide your account information. Think about it. They already have this information. Why would they ask you to provide it.

Since I use PayPal for several of my online ventures, I, too, received the email in question. The email first seeks to instill fear in you by saying that your PayPal account will be closed if you do not provide personal information. You are then directed to open an attached executable file and enter your PayPal account information and other personal information that PayPal doesn't even require, including your social security number, checking and savings account information, driver's license number, and other personal information that can be used to clean out your PayPal account and perhaps even steal your identity.

If you're not familiar with PayPal, it is a hugely successful, web-based company (purchased by eBay in 2002) that many online retailers and eBay sellers use to accept electronic payments for everything from newsletter subscriptions to consulting services to just about any product for sale on eBay.

The allure of PayPal is that it does not require the seller to have a bank merchant account through which to process credit cards. Anyone with a verifiable email address and bank account can use PayPal and the service can be implemented almost immediately after registering.

When someone places an order on a website that uses PayPal for online payments, that customer is directed to PayPal.com to complete the payment process using a credit card or electronic check. The merchant can transfer the money collected in his PayPal account to his checking account any time he likes. Since many larger merchants make this transfer just once a week or so, their PayPal accounts are ripe for the picking from those who have the cunning and lack of ethics required to gain access.

The shear number of PayPal customers is one reason it has become a popular target of scam artists trying to steal personal information from individuals and businesses alike.

Identify theft is on the rise. Thanks to the Internet stealing someone's identity has never been easier. At any given moment, there are any number of Internet thieves using all manner of high tech wizardry to steal personal and business information from unsuspecting souls, and many times they can gain access to this information simply by asking the person to provide it through fraudulent means.

The PayPal scam is just the latest in a long line of sophisticated attempts to steal personal information through online means, Amazon, eBay, Dell Computer, and many others have been the brunt of many such scams in recent years.

Identity theft is what's known as a knowledge crime, which means that the criminal doesn't have to break into your house to rob you blind. If you have a bank account and a social security number, you are susceptible to identity theft.

While most people are familiar with identity theft, most business men and women never think about it happening to them, at least on a professional level. Consider this: if a criminal can learn your business checking account number or the number of your company credit card, they can steal far more from your business than if they had simply knocked down the door and carted off your desk.

The Internet aside, most business and personal identity theft is still the result of stolen wallets and dumpster diving. You should guard your business records closely and be very careful what you throw away. Stop and think for a moment what a criminal might find in the dumpster behind your office.

There's a good chance that dumpster has, at various times, contained scraps of paper with your social security number, driver's license number, credit card number, old ATM cards, telephone calling cards, and other pieces of vital business information like bank statements, invoices, and purchase orders. A dumpster-diving thief could literally rob your business blind in a matter of hours.

Here are a few ways to protect yourself from business and personal identity theft.

* Never give out your first name, last name, business name, email address, account passwords, credit card numbers, bank account information, PIN number, social security number, or driver's license number.

* Change your online account passwords every 30 days. Believe it or not, a hacker who steals your personal information can guess your online account passwords in about two minutes. If your Charles Schwab online account password is your birthday or the name of your first born or family pet, count on a hacker cracking that code faster than you can say 'Bill Gates.'

* Never provide personal information in response to an email or telephone call. Just because someone calls and says they are from Dunn & Bradstreet and need to confirm your business information does not mean they are really from Dunn & Bradstreet.

* Never give your business credit card number over the phone to place an order with someone who has called you unsolicited. If you are interested in what they are selling get their number, check out their company, then call them back to place the order.

If you think that you have become the victim of identity theft or think someone is trying to steal your identity or personal information you should report them immediately to the Federal Trade Commission. You will find more information on their website at http://www.consumer.gov/idtheft/. For more information on what to do if identity theft happens to you visit http://www.privacyrights.org/fs/fs17a.htm.

So, if you ever receive an email from PayPal, Amazon, eBay, or any other ecommerce website asking you to update your account information by email you can pretty much bet the farm that it is a scam.

In business, as in life, a little paranoia is a good thing.

Tim is written by veteran entrepreneur and syndicated columnist, Tim Knox. Tim Knox is the founder of DropshipWholesale.net, an online

organization dedicated to the success of online and eBay

entrepreneurs. Related Links: http://www.prosperityandprofits.com

http://www.smallbusinessqa.com http://www.dropshipwholesale.net

Identity Theft - Red Flags That May Indicate You're a Victim

You've heard the "buzz" about identity theft, but what exactly is identity theft? According to Wikipedia, identity theft (or identity fraud) is the deliberate assumption of another person's identity, usually to gain access to their finances or frame them for a crime. "Dumpster diving" (someone going through your trash), "shoulder surfing" (someone watching from a nearby location as you punch in your credit card number or ATM PIN # or eavesdropping as you give your personal information over the phone) and "phishing" (someone sending an email that appears to be from a legitimate business) are only a few ways of obtaining your personal information. Once they have obtained your personal information, identity thieves often change the address on your bills, keeping you unaware that your identity has been stolen unless you are aware of when your bills normally arrive in the mail, keep track of what you charge and check your credit reports annually.

Here are several red flags that indicate you may be a victim of identity theft:

1. You check your credit reports annually and find there are new charge cards showing with companies you don't know.

2. You receive a bill for a credit card account you didn't open.

3. You notice charges on your credit card statement you did not authorize.

4. You haven't received your bills or credit card statements when they normally arrive.

5. Your bank statements show unauthorized transfers or withdrawals.

6. You receive a call from a collection agency about an account you never opened.

7. You receive calls from businesses about merchandise you didn't buy.

8. You're denied credit because debts show up on your credit reports that don't belong to you.

If you notice any of these red flags, don't panic - there may be a logical explanation. But DO follow up on it right away. If it appears you may be a victim of identity theft, go to http://understandingidentitytheft.com/articles/article-67.html for a list of steps you should take immediately to rectify the situation.

Debbie Pettitt is the webmaster of two web sites designed to provide you the latest news and information on identity theft and credit scores. For further information on identity theft, visit http://understandingidentitytheft.com. For information on how to check and/or correct your credit score, go to http://yourcreditscoreranking.com.

Identity Theft Problem Solution

We live in an information-oriented society. Technology allows us to do business and make transactions literally in a matter of seconds. This abundance of information has given rise to a new crime - identity theft. In fact, according to a 2003 release from the Federal Trade Commission, almost 10 million people in the United States may be victimized by identity bandits each year.

So what does that mean? Someone has stolen your credit card your credit card company can help you with that, right? Well, according to the FTC, almost 60% of identity theft issues dont pertain to your existing credit card accounts. Identity theft can occur as a result of new lines of credit being opened in your name either through credit cards or bank loans as well as phone/utility fraud and even employment related fraud. Because we are susceptible through so many avenues in our daily life, we are all at risk.

What can you do? Where would you turn if you found yourself in this situation? Would you know where to start to clear your name? Well, now you dont have to worry about what to do as we have the answer.

As you already know, Pre-Paid Legal Services, Inc. is a pioneer of the legal services industry. With more than 30 years of experience in providing legal rights protection to our members, we have now teamed with Kroll Inc., the worlds leading independent risk consulting company. Kroll is a 30 year old, publicly traded company that provides a broad range of investigative, intelligence, financial, security, and technology services to help clients reduce risks, solve problems, and capitalize on opportunities. Headquartered in New York with more than 60 offices on six continents, Kroll has a multidisciplinary corps of more than 2,200 employees and serves a global clientele of law firms, financial institutions, corporations, nonprofit institutions, government agencies, and individuals. Over the last three years, Kroll has developed a unique solution for victims of identity theft. This new service is now available to Pre-Paid Legal members through the IDENTITY THEFT SHIELD benefit.

What does this benefit provide our members?

The Identity Theft Shield gives you easy access to the resources you need to understand your credit ratings and to fight back if an identity thief threatens your financial standing. This benefit is designed to alert you to suspicious account activity, to restore any resulting damage to your credit history and to reimburse you for covered out-of-pocket expenses you may incur in the process.

1. Credit Report Through Experian
Make sure your financial records are accurate.
Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Some insurance companies and prospective employers use your credit rating to gauge your sense of responsibility.
Experts recommend you review your credit report regularly. The Identity Theft Shield makes it easy. Members are entitled to an up-to-date credit report from Experian at no additional charge.

Personal Credit Score and Analysis from Experian
Know your credit score . . . and how it affects your ability to borrow.
Your credit score is derived from the information in your credit report. This score is used by lenders to determine your creditworthiness. The higher the number, the better your chance of being approved for the credit you want.
A detailed analysis of your Personal Credit Score will be included with your Credit Report. You can use this analysis to evaluate your current credit standing.

2. Continuous Credit Monitoring Through Experian
Learn of suspicious activity before your credit is ruined.
A professional thief can assume your identity in just a few hours. But it can take years for you to repair your credit standing.
Early detection is key to minimizing the damage caused by thieves who steal you name.
With your Identity Theft Shield membership, your credit files will be monitored through Experian daily. Suspicious activity will be brought to your attention, providing you with early detection. Youll receive prompt notice if any new accounts are opened in your name . . . or if negative notations are added to your credit report.

3. Fraud Restoration Service
Get personal assistance and advice from experts.
Any discrepancy in your credit report should be addressed at once. Call our Customer Services Department at the designated Identity Theft Shield number and explain your concerns. If it is identity theft, our fraud investigators will assist you every step of the way. A Fraud Restoration package with complete and detailed materials, aids, and instructions will be rushed to you.

If you sign a Limited Power of Attorney, you will be entitled to Enhanced Restoration Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. On your behalf, Kroll will issue fraud alerts to the three major credit repositories, the Federal Trade Commission, the Social Security Administration, and the United States Postal Service. Kroll will work with the bureaus, creditors, and collection agencies to restore your credit accuracy with regard to your identity theft issues. If necessary and reasonable, Kroll will work with law enforcement, the department of motor vehicles, and other organizations to resolve your identity theft issues

If you decline the Limited Power of Attorney, you will receive Basic Consulting Services. Kroll will work with you to determine the extent of the fraud in your credit and regarding your identity. Kroll will provide you with contact information and procedures for the organizations you will need to work with. Kroll will provide sample letters and forms and be available to you through a
toll-free phone number for assistance and advice throughout the process of restoring your identity.

Now, it is important to understand any identity theft that occurred prior to the membership enrollment or any situations relating to a business identity are not covered. Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or child participated in, directed, or had knowledge of. Restoration services will
not be provided for a preexisting, known stolen identity event. You must be an active, paid member to receive restoration services. Plan benefits do not cover financial losses arising from the identity theft.

$25,000 Identity Theft Restoration Reimbursement Benefit
Pays your covered out-of-pocket expenses.

The Identity Theft Shield includes up to $25,000 in a fraud restoration reimbursement benefit. This coverage will reimburse you for covered expenses you may incur while working to clear your name. These include:
lost wages up to $500 per week with a maximum of up to four weeks
legal defense fees and expenses
the cost of notarizing affidavits or similar documents, long distance telephone calls, and even postage!
the cost of re-filing applications for loans, grants, or other credit instruments

Some restrictions of the restoration reimbursement benefit include: Insurance benefits and services provided by member companies of American International Group, Inc. (AIG). The description is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and
exclusions. Coverage may not be available in all jurisdictions. Coverage available only if the stolen identity event occurs while you are an Identity Theft Shield member and is reported to us within six months.

Did you know, that on average, victims spend more than 175 hours and $1,500 in out-of-pocket expenses to clear their names. With Pre-Paid Legals IDENTITY THEFT SHIELD, the cost of combating identity theft is much less. For just $9.95/month, IDENTITY THEFT SHIELD members have the added security of knowing they have someone to fight the battle for them. And, the best thing is this monthly fee provides benefits to both you, the member, and your spouse.

Reports on identity theft are everywhere; television, newspapers, magazines, talk shows, etc. Now that you know this benefit is available, doesnt it make sense to have this sort of coverage? Imagine the peace of mind you would have knowing you and your spouse would have access to all of these services if you found yourself to be an identity theft statistic? Contact the person who
referred you to this call to sign up for your Identity Theft membership. Dont wait until it is too late - do it today!

For a full list of disclosures and exclusions, please consult the Identity Theft Shield written material provided by Pre-Paid Legal at
http://www.prepaidlegal.com/IDT/markfreink

Hi! My name is Mark Freink. I am an Independent Associate for Pre-Paid Legal Services, Inc. I just wanted as many people as possible to know about new big problem that is coming on our society. It is Identity Theft. And I wanted not only everybody know about that and also I have the solution how to fight this problem. That is why I am writing this article.

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