Theft Safety First

To avoid becoming the next victim of identity theft you must place safety first. Identity theft is one of the leading crimes today that is claiming the control of millions of people and costing us a fortune to recover from the crime. You heard me right; it is costing us a fortune, since we make of the loss of identity theft by paying higher costs for foods, gas, products, and so forth. When a person loses their identity, they become a long-living victim, since the victim pays for the crime that the thief acted upon.

It is unfortunate that we are in a world were the victim often pays more than the criminal for a crime, thus putting safety first is the only way we can protect our self from the criminals and the enforcers that force the victims to pay.

Crime in itself is constant, thus identity crime, is when a person takes hold of another person’s information and utilizes it to make purchases, open accounts, escape crimes, commit additional crimes, and so forth. When a person gains hold of your identity it is an ongoing process to gain control of your life. Unfortunately, few states offer identity theft victims the ability to FREEZE the credit reports, and when I say unfortunately…I mean that not all states have this law available. Freezing the credit reports is the best way to protect your identity further, since if you are allowed to Freeze the accounts, only you will have access to those reports. Some states place a Fraud Alert on the credit reports, which provides no protection to you, and it makes you look bad.

If you are victim of identity theft, learn the steps to take to prevent ongoing activity. The first step is to contact the authorities and provide them all information available to you about the crime. Next, you will need to go online and report the crime to the government. The Federal Trade Commission has a site online that enables you to file a complaint, which the information is handed over to the FBI and government officials, who have put up an identity theft team force to find the perpetrators. The act of filing the complaint is essential, since the FBI and government can reach further to find the perpetrator over the local authorities. A victim of identity theft should also request copies of their credit reports and alert the companies that they were robbed of their identity. The person should also close any accounts in their names and immediately contact their credit card providers, letting them know they are a victim of identity theft. read more

Identity Theft Victims

Identity theft victims are on the rise and as the years go by more and more people are falling into the hands of these perpetrators. Now that our economy is in recession, it is especially time to protect your identity more so than ever. Since 2002, millions of people have fallen into the hands of identity thieves. Nowadays with the newest and expanding technology development, identity thieves are finding it easier to steal someone’s information over the net. Still, the statistics have shown that family members and friends also steal identity in some instances, thus everyone is suspect when it comes to identity theft.

Identity theft victims often find it difficult to cope once their identity has been stolen. Few thieves file bankruptcy, commit additional crimes, cover a crime with the victim’s identity and the list goes on. When the victim finds that their credit report is violated by an identity thief, the victim must adhere to an ongoing battle. The credit bureaus unfortunately do not remove the actions committed by the thief; rather the bureaus often place ‘resolved, cleared,’ or what have behind the debt of bankruptcy. Thus, when creditors see the report and the Fraud Alert pending on the report they have no idea who committed the crime and often assume and this affects the victim.

When a person is victimized by a perpetrator that steals identities, it is often difficult to get back on track. The victim has to stay on his toes each day to make sure no further advantage has been taken against him. Thus, the victim must monitor is banking accounts, credit reports and any information linked to him each day.

If you are a victim of identity theft, you will immediately need to report the crime to your local authorities. Next, you will need to link to the Federal Trade Commission Consumers site and file a complaint, alerting the government that your identity was stolen. Once you complete the complaint, make sure you follow the case closely and report any new defilement to the authorities. You will also need to contact the credit bureaus and alert them that you identity was stolen. Read all the information you can about identity theft, since some states place Freezes on your credit accounts preventing access to anyone accept you. Other states only permit Fraud Alerts, which do nothing for the victim; however, the alerts stay on the reports about three months unless the perpetrator is continuingly using your identity. read more

The Right Way Against Identity Fraud

If you feel that your identity is stolen, inform the appropriate authorities immediately, including your bank, credit card issuers. The earlier you inform the credit card suppliers, banks, et cetera the fewer chances the identity thief will have to deform your life. At any time, any of us can become a victim of identity theft. Taking steps to protect your identity is crucial in today’s technology advanced era.

Thus, to avoid identity theft or to deal with identity theft you must report the act right away and/or take steps to safeguard your self.

Steps to prevent identity theft should include guarding your personal belongings at all times. Personal belongings such as purses and wallets store valuable information, including credit/debit cards, checks, social security numbers, and other personal information.

Never give out your information unless you know for certain whom the party is that is asking for your identification. Never, give out PIN or Passwords to anyone. If you work at a computer use passwords combined with numbers and letters up to eight characters, thus making it difficult for anyone to attempt to guess your password. Change passwords and PIN numbers randomly to prevent identity theft. The passwords or PIN numbers on bank accounts and credit/debit cards should be changed randomly also.

It is important that you avoid giving your information through email. Thus, if mail comes in your box that claims you need to update your information, disregard the mail and call your original service provider numbers immediately. You should never give your information over the phone lines, or on discussion boards, bulletin boards, or forums.

If you have friends in Chat rooms requesting your mailing address or other information do not give out the information, rather if you know the source personally call them and ask why they want your information? If the source is a good friend, let them know that you will provide your mailing address if they intend to write you through safer methods. read more

Iowa Observations

I was in Iowa writing for The Blogging of the President last week, and I kept hearing – between the shouts for and against Dean, and the softer Midwestern peeks at Kerry and Edwards (and silence about Gephardt – murmurs about Wesley Clark.

‘Why didn’t he come here?’

‘I wish he had at least been in one debate, so we could have seen him.’

‘Yeah, I like him, a lot. But he’s not campaigning here.’

As Clark surged in NH prior to Iowa, Clark fans, and pundits, called Clark’s move to stay out of Iowa ‘smart’ or ‘savvy’. They heralded him for husbanding his resources, and becoming known in New Hampshire. And yet, in hindsight, the picture looks very different. Kerry captured enormous value out of Iowa – momentum, and Edwards and Lieberman are now fighting Clark for share in the NH primary. When Clark pulled out of Iowa, he lost major endorsements; it seems to have been a critical mistake. But Iowa also symbolized something different, and deeper, and more problematic.

And I don’t mean the primary problems, which he may yet be able to overcome if Kerry, who is very good at stumbling, and Dean, who is even better at it, stumble once more. Clark probably should have gone to Iowa, but more importantly, it’s clear that a lot of his support in New Hampshire existed only because it was a one man field in that state. And that means that Clark hadn’t just waned from public perception; he wasn’t even there. It’s a sad state of affairs for Clark, because it didn’t have to be this way.

The Clark Bucket

Now that Dean has melted down his ideological soldiers and his gold reserves in futile attempts to win Iowa and New Hampshire, there is a spot opening up for the unKerry. Senator Gray Davis Kerry of Massachusetts suffers, or maybe, has a talent, for tripping up, and then catching up at the last minute. He runs strong from behind, and weak from the front. He’s now in front, and that means that the place position, which either Edwards or Clark might be able to take, is extremely valuable ground. Kerry is only one stumble, one waffling moment, one embarrassing factoid-shot, away from the ‘waffling elitist liberal’ meme to catch fire.

He has a long list of votes in the Senate to distort, and the internet new politics constituency doesn’t like him, Al Giordiano’s protests to the contrary. When Kerry stumbles, there will be no pro-Kerry Wilgoren Watch or Daily Kos to rise to his defense. There is no army of small donor activists who want on board the Kerry express, because Kerry is precisely about the lack of importance of the small voice. Kerry is about Kerry, and the best that can be said for him, and it is a great attribute, is that he’s not Bush.

What this means to the race, which I am not good at predicting, is that the landscape will be unforgiving to Kerry. If he stumbles, he has few media or new media allies who want him to succeed. This leaves two people to pick up the pieces: Clark and Edwards. They are, at this point, similar candidates.

Edwards has backers who think he’s JFK or Clinton, though they can’t really figure out which because Edwards has no accomplishments to his name, and no base beyond people who think governance comes down to being a good stump speaker. Or, the ‘I can beat Bush because I’m Southern and charismatic’ rationale. Clark has backers who think he’s RFK or the Democrats’ Reagan, though they can’t figure out why he’s been unable to project his magnificent career onto his candidacy. Clark speaks of being a solder, but his message is one of strategic defensiveness. Or, the ‘I can beat Bush because I have national security experience’ rationale. Both are resume candidates, attempting to attract votes based on some non candidate-specific rationale. read more