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Community weekly poll: Where are you most vulnerable to identity theft?
- 11/15/05 3:23 PM
Amazing...
by Joriel - 11/15/05 6:20 PM In reply to: Lack of cooperation from Banks by DepKurfthe only way to stop that would be to start charging the banks or their officers with obstruction of justice and fining them steeply. It would take police manpower and resources, but hitting them with penalties and records like that are probably the only way to change that.
I can vouch for this...
by Joriel - 11/15/05 6:17 PM In reply to: IT IS THE BANKS AND CREDIT CARD COMPANIES THEMSELVES ! by bilacudait happened at the company I work for. I'm not allowed to give details out of the office, but there was absolutely nothing we could do, and we had no rights, because the merchandise was bought with a stolen credit card.
I read an article, but I forget where, that it's in the credit companies interest for things to be this way. They make billions a year now (that figure stunned me, but the author provided statistical sources for it) in those chargeback fees, and don't lose anything, and the general consumer is happy and doesn't lose anything, the only person to lose are the merchants, who people tend to view as the 'bad guys' ripping them off with overinflated prices or whatever anyway.
It would be foolish for the credit card companies to change this, as they'd lose al that chargeback fee revenue and incur security expenses.
Well, actually its a combo of fun
by jtr716 - 11/16/05 8:11 AM In reply to: IT IS THE BANKS AND CREDIT CARD COMPANIES THEMSELVES ! by bilacudaHaving been an identity theft victim, I can tell you that its usally a network or ring that pulls it off. Personally, my identity was stolen from employees at my credit card company who were collaborating with employees at a car rental company. So, between the two, they assembled my identity and many others, and then sold the information in sets to a third party who would use it on the street.
These people are not stupid (usually) - its a highly coordinated activity. The end-user of one's stolen identity is usually the dumbest of the bunch.
The saddest part of this, is that its easiest for us to blame a company or a faceless entity, but the reality is that, "at the end of the day", its people screwing eachother over for money - how pathetic!
vulnerability on the net is high.
by maggiesweetpea - 11/16/05 4:05 PM In reply to: IT IS THE BANKS AND CREDIT CARD COMPANIES THEMSELVES ! by bilacudaI live in Canada,Last year I applied for a second credit card from Master card and as I was filling out the form my Norton stopped the action ,and said there was an intruder trying to access my pc.I contacted The Bank of Montreal and explained what happened.They had meetings to find out what happened.
The bank kept in touch with me by phone letting me know what was happening?I do as little as possible buisness on line.
I realize that the convenience of some of the modern accessories,but it seems to be the price we pay for our lifestyle.
Cell phones are geat,but most of us can do with out them,especially ,in the car driving,shopping for clothes etc.
No one can convince me that you can,t shop,drive or walk down a street without a cell phone sticking out of your ear.
It is getting to look like a status symble,it looks silly.
I think twice before doing many things on line or cell phone.We have become a society of machine oriented people .
Credit Cards at hotels & stores
by Bageech - 11/15/05 4:27 PM In reply to: Where are you most vulnerable to identity theft? by Marc Bennett
My credit card has been used several times in the past, but each time the card Co. cancelled my card and gave me a new one. several times it was a hotel clerk who got it when I checked in. Another time it was a store clerk.
That one is a problem.
by Joriel - 11/15/05 6:14 PM In reply to: Credit Cards at hotels & stores by BageechYeah, and what fun that is trying to avoid. They tell us not to travel with large amounts of money, use our credit cards. And...wham. I suppose there are always money orders, but then you still have to show your id, and give out information that can be used against you with that. Catch 22.
Me too- hotel check in clerks are most dangerous
by Triangular - 11/15/05 10:15 PM In reply to: Credit Cards at hotels & stores by BageechMy one brush was from checking into a Inn Suites hotel. Since then, I've destroyed any plush-looking cards and use only basic low-level cards with a puny introductory credit limit, that are less attractive to CC hijackers.
Hotels
by Trailhop - 11/16/05 1:16 AM In reply to: Me too- hotel check in clerks are most dangerous by TriangularI don't give hotel clerks my card. I make them charge the stay to my company account. Luckily, the company I work for has adopted this practice, rather then do reimbursements.
Credit Cards in General
by JackRat - 11/23/05 11:59 AM In reply to: Me too- hotel check in clerks are most dangerous by TriangularJust using a CC at any store makes you vulnerable. Look at the camera above your head watching the cash register. Think about it when you enter your pin or any other confidential data. Who's watching you as you use your CC.
In the home but not from break-ins
by fdittrich - 11/15/05 4:38 PM In reply to: Where are you most vulnerable to identity theft? by Marc Bennett
What about the people we invite into our homes, friends and strangers.
How about that house-cleaner, repair person, friend, or relatives? Many stolen checks, credit card numbers, etc. are stolen everyday by people we invite into our homes, not just during a break-in.
Re: In the home but not from break-ins
by sjordanmom - 11/15/05 5:34 PM In reply to: In the home but not from break-ins by fdittrichWell, that depends on whether you leave checks, credit cards, etc. lying around. Whether you leave the service people in your house unattended, etc. We have a formal office that we keep all our papers, checks, etc. in and also out of sight and the door is closed and locked when service people come over. If someone needed to go in there for some reason, they would be supervised. I think just using some common sense here goes a long way.
Credit applications
by satt3rfd - 11/15/05 4:44 PM In reply to: Where are you most vulnerable to identity theft? by Marc Bennett
If I recall correctly, many of those credit applications filled out by the public, whether online or via paper, are processed by prisoners.
To you and me, this makes no sense, but to the credit card companies… it’s cheap data processing labor.
Identity Theft
by zzmel - 11/15/05 4:59 PM In reply to: Where are you most vulnerable to identity theft? by Marc Bennett
It is interesting to note that the options to this question is quite broad and obviously more than one answer is correct. The majority chose the web but others chosen was only a few percentage points difference. Lastly looking into the mirror would be way down the line of choices, unless you don't see yourself. (ha, ha).
identity theft
by alanmids - 11/15/05 5:04 PM In reply to: Where are you most vulnerable to identity theft? by Marc Bennett
I think the biggest problem with identity theft is that most of us users who are in our 50's+and have just started to use the computer are behind the scale as to just what is involved with the whole problem. I.E. How and what we need to do to protect ourselves from identity theft. I was 54 when I started on the computer and had to learn everything the hard way,four years later I am still learning things dailey. Since there are many Millions, Billions or Trillions of bytes now on the internet web there is know way of knowing for sure that My computer will be safe after being on the Web even with the best anti-virus and spyware installs, there are still no gaurantees that you are protected from some hacker that is smarter then all your protection, as,the hacker ,works by the minute to defeat the best out there.So I guess My question is,is there really anyway to be 100% protected? I think that the best protection is to use as little as possible of your cedit cards and bank accounts at this time. Yours truly S Campbell
Just one thing...
by Joriel - 11/15/05 6:12 PM In reply to: identity theft by alanmidsYou're focus on being new to computers kind of leaves out that identity theft occured long before computers were even invented. It's just only recently hit the big time in the media. But people have been pasisng themselves as others, both dead and alive, for centuries, both for the purposes of evading the law and stealing assets. There may be new ways to do it, but it's not a new problem.
Remember ripping up those carbon copies when they were part of every credit card purchase becuase they were likely to be stolen and used?
Even if you don't use a computer at all, you're vulnerable.
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