OT: ID stolen...
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Hey, heads up guys. In the last 2 weeks I've had 6 family members (including myself and my wife) have their ID's stolen. All of them were used in California and we are in Indiana. We signed up for LifeLock. This is the first time to happen and being a friendly neighbor on here I thought I would share that for $10 a month, LifeLock seems pretty awesome. Sorry to be OT, but I thought it was for a good cause. Thanks!
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I have a friend who works at Lifelock so have thought about joining but have not yet. What does Lifelock do upon your ID being stolen? Do they contact the credit bueraus? Credit card companies? What exactly do they do? I hate recurring expenses so have been reluctant to sign up.
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Yup.
Here's what we do:
First, we ask the credit bureaus to set free fraud alerts on your behalf. Usually, this is done through our automated systems and the alerts are set within an hour. From time to time there may be a hitch and we have to do the first one manually, usually because they have a different address on file for you. If this happens, we'll tell you right away and do what needs to be done to get the alerts set. (In case you're wondering, we don't charge anything more for this and our Total Service Guarantee is still in effect from day one.)
Second, unless your circumstances change and you tell us not to, every 90 days or so we ask the credit bureaus to do it again. You can do this for free if you'd prefer, but we make sure it gets done and that it gets done right. That's where the oil change analogy we were talking about kicks in.
Third, we request that your name be removed from pre-approved credit card and junk mail lists and we keep making the requests as they expire. Statistics show that this is one of the many ways that thieves hijack identities. Plus, all that mail is just so irritating. Many of our members tell us that this alone is worth the price. If you are a do-it-yourselfer, you can do this for free, but why not let us do it for you?
Fourth, we order your free credit reports on your behalf from the major credit bureaus and they are sent directly to you. We do this every year. You can also do this yourself for free (Pennzoil anyone?).
Fifth, hassling with lost or stolen wallets is no longer a problem with WalletLock™. If ever your wallet goes missing, just give us a call - anytime, anywhere - and a WalletLock specialist will help you contact each credit card, bank or document issuing company, cancel your affected accounts and complete the paperwork and steps necessary to replace your lost documents*, including your credit/debit cards, driver's license, social security card, insurance cards, checkbook - even travelers checks - at no additional cost.
Sixth, we help you shut down potential identity threats fast with our identity monitoring package:
eRecon™ scours known criminal websites for the illegal selling or trading of your personal information (including your Social Security number, credit card number, driver’s license and email address, if provided) and informs you when something is found.
TrueAddress™ notifies you when we detect any new address information associated with your name in address databases nationwide. This helps alert you if a criminal has changed your address to steal mail and obtain your financial information.
Last, but certainly not least: If your Identity is stolen while you are a member of LifeLock, we're going to do whatever it takes to recover your good name. If you need lawyers, we're going to hire the best we can find. If you need investigators, accountants, case managers, whatever, they're yours. If you lose money as a result of the theft, we're going to give it back to you.
We will do whatever it takes to help you recover your good name and we will spend up to $1,000,000 to do it.
We don't think you will see a guarantee like this anywhere else from any other company. If you do, let us know because we'd like to do business with them. There isn't much fine print in our Guarantee. To see the details, click here.
If you have a reason to think that you will become a victim of Identity Theft, we can help you stop looking over your shoulder, because we've got your back.
*Pictures, cash and other monies are excluded. Member is responsible for all applicable fees charged by document issuing companies to replace lost or stolen documents.
http://news.yahoo.com/s/ap/20080522/ap_on_hi_te/identity_fraud_flap
Collect Auctions
<< <i>Why would you pay 10 dollars a month for it when you can do it all for free in a couple of hours. Has wagglepop scam written all over it. >>
I happen to be an Identity Theft Consultant. Depending upon the problem, it can take up to 600 hours to restore your identity. Most of those hours are spend during business hours - in other words, during the time that most people are working. It can be a nightmare. There is more to identity theft than just someone stealing your credit card. Only 28% of identity theft is financial. You have several other areas of identity theft. There is driver's license identity theft, there is medical identity theft, there is employment identity theft, and there is charater/criminal identiy theft.
I could give you story after story of people's identity being stolen. Here are a couple of my favorites. One lady got a medical bill in the mail for a foot amputation. She walked into the hospital and said, "Look - I have never had a foot amputated." There was another lady that tried to get a job at Target. The turned her down because - she already worked there. Or, at least her identity worked there. After a little more research, they found out that her identity worked at 37 other jobs.
Lifelock has some good to it. The give you a credit analysis, and they give you continuous credit monitoring. All of that is fine and good, but if your identity is stolen, they send you a packet in the mail that shows you how YOU can fix the problem. That's like if you had a fire at your house, and you called the fire department and they said, "Yes, we know your house is on fire, we can tell you how to put out the fire and then send you some information on how you can rebuild your house."
My company has a product called Identity Theft Shield. Identity Theft Shield was put together by a company called Kroll Wordwide. Kroll is the world leader in this area. They helped the US government track down Saddam's foreign bank accounts, and also helped the government with the Enron debacle.
Identity Theft Shield is the ONLY identity theft protection plan in the US that is comprehensive. It not only give you a credit analysis and continuous credit monitoring, but it restores your identity for you using Kroll's 3,200+ investigators. In other words, we not only (analogy next) know when your house is on fire and contact you when it is, but we come put out the fire and come rebuild your house for you. And the best part is, if your identity ever gets stolen, we will not stop until you say you are satisfied.
Lifelock is $10 a month (or $20 per couple). Our Identity Theft Shield is $12.95 per month and your spouse is covered as well. Again, Lifelock basically sends you information on how you can rebuild your identity. Identity Theft Shield does it for you until you are satisfied.
For more info, go to www.shanehardie.com and click on Identity Theft Shield, then click on "United States", then click on "view movie" at the top left.
I hope no one thinks that my post in inappropriate due to my interests. However, I didn't bring up the topic, and I feel like this is some important information.
Shane
Identity Theft Plan Chart
Shane
Collect Auctions
"It seems as though LifeLock isn't as secure as Todd Davis makes it out. According to a LifeLock spokesman, his identity has been stolen. For two years, Davis has been daring hackers to steal his ID. Looks like he got what he wanted. CNN reports: 'Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.'"
For a time, the ads were everywhere on TV and radio, the ones with the head of a security company brazenly challenging would-be thieves to try to steal his identity. Richard Todd Davis, CEO of LifeLock Inc., was so confident in his company’s ability to protect his identity that he publicly revealed his Social Security number: 457-55-5462.
But according to a new class-action lawsuit filed last week in Jackson County, LifeLock’s identity theft protection services were so inept that Davis’ personal information was stolen repeatedly. “While LifeLock has only publicly acknowledged that Davis’ identity was compromised on one occasion, there are more than 20 driver’s licenses that have been fraudulently obtained [using his personal information],” the suit states. “Furthermore, a simple background check performed using Davis’ Social Security number reveals that his entire personal profile has been compromised to the extent that the birth date associated with his Social Security number is Nov. 2, 1940, which would [inaccurately] make Davis 67 years old.” “Through its advertisements, LifeLock misrepresents and assures consumers that it can protect against all types of fraud including, without limitation, computer hacking, password theft and other noncredit-related theft,” the suit reads.
“This is a service that you pay for and it kind of lays dormant,” said David Paris, an attorney with the New Jersey firm Marks & Klein who is heading the case against LifeLock. “So no one knows that they’re not getting what they paid for, because they don’t know what to look for.”
Paris said that consumers can activate for free the same safeguards that LifeLock does, but the company fails to mention that in its marketing campaign.
The suit alleges that LifeLock’s services can actually harm its clients because the constant placement of fraud alerts can prevent them from getting a home loan or refinancing their existing loans.The suit also traces what it calls the “nefarious origin” of the company, including the background of Robert J. Maynard Jr., who co-founded the company with Davis in 2005.
“Upon information and belief, Maynard developed the idea for LifeLock while sitting in a jail cell after having been arrested for failure to repay a $16,000 casino marker taken out at the Mirage Hotel in Las Vegas,” the suit states. The suit also maintains that Maynard stole his father’s identity by using his information to get an American Express card, which he used to rack up more than $100,000 of debt.”In Wisconsin, a woman’s debit card was stolen, and that thief used that card to sign up for LifeLock,” he said. “If you can’t provide the basic information to verify someone for subscription purposes, how can you be relied upon to protect people’s identities?”
Feel free to use his SS#, it seems everyone else has.