Your were introduced to Life Lock on Celebrity Apprentice and now you want find out more about Lifelock.  Lifelock normally costs $10 a month but by using the promo code entpub you will get all the benefits of their identity protection services for only $9 a month.

Here are the main benefits from the Lifelock Website

First, once you confirm that you have a good faith suspicion that you have been or are about to become a victim of identity theft, we ask the credit bureaus to set free fraud alerts on your behalf.

Second, unless your suspicion changes and you tell us not to, every 90 days or so we ask the credit bureaus to do it again.

Third, we request that your name be removed from lists of pre-approved offers for credit cards and/or insurance. Several sources cite these type of pre-approved offers as one of the many ways identities can be stolen. Many of our members tell us that this alone is worth the price.

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.

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:

Last, but certainly not least is our $1 Million Service Guarantee:

Remember by using the Life lock promo code entpub you will also save an additional $1 a month for every member of your family.  We thank all the celebrities on Celebrity Apprentice for introducing you to Lifelock.

If you have been a victim of identity theft or you worry about someone using your identity – you need to place an initial fraud alert on your credit report

You need to know:

• What is a fraud alert?
• How you can place a fraud alert.
• And that you are entitled to one free copy of your credit report.

A fraud alert allows you to take control of who issues you credit and when credit cards are issued in your name. The fraud alert tell any company that uses your credit report, such as a bank or insurance company; they must contact you before they can issue credit, arrange loans, open accounts, increase credit lines, or open new credit card accounts. If a company can’t contact you directly at a number you designate or if you do not approve the transaction, the transaction stops.

You can contact each of the bureaus individually, (they say they share the information but that is not a 100% guarantee)

TransUnion Fraud Victim Assistance Department Phone: 800-680-7289 Fax: 714-447-6034 P.O. Box 6790 Fullerton, CA 92634-6790 Equifax

Consumer Fraud Division Phone: 800-525-6285 or: 404-885-8000 Fax: 770-375-2821 P.O. Box 740241 Atlanta, GA 30374-0241 Experian

Experian’s National Consumer Assistance Phone: 888-397-3742 P.O. Box 2104 Allen, TX 75013 Or you can set your fraud alert Online. Learn more about Fraud alerts from Experian at their website.

An excellent resource for information about Identity Theft is a government website I want to quote a little from their site about fraud alerts. "An initial fraud alert stays on your credit report for 90 days. When you place this alert on your credit report with one nationwide consumer reporting company, you’ll get information about ordering one free credit report from each of the companies. It’s prudent to wait about a month after your information was stolen before you order your report. That’s because suspicious activity may not show up right away. Once you get your reports, review them for suspicious activity, like inquiries from companies you didn’t contact, accounts you didn’t open, and debts on your accounts that you can’t explain. Check that information – like your SSN, address (es), name or initials, and employers – are correct."

Notice two things the site tells us about fraud alerts;

1. Fraud alerts are only good for 90 days – that means you have to remind yourself to reset the fraud alert every 90 days. (That’s one of the reasons I pay LifeLock to reset my alerts every 90 days.)

2. Setting a fraud alert entitles you to a free credit report, without going to one of those online places that give you a free credit report so they can sell your personal information.

It is very important that you set a fraud alert with the credit reporting agencies to protect your identity. I am sharing with you what you can for free. I use a company called LifeLock (if you are interested in LifeLock just click on the word LifeLock and  you will be brought to their website.  LifeLock provides identity protection and is a great investment.

An identity thief would love to snatch you preapproved credit offer and redirect your new credit card to his wallet. Don’t let that happen. You can opt out of preapproved credit card offers. The Federal Trade Commission issued an alert that you can say "just say no" to Unsolicited Mail at their website.

Let me quote from the Federal Trade Commission’s website.

"The credit bureaus offer a toll-free number that enables you to “opt-out” of having pre-approved credit offers sent to you for five years. Call 1-888-5- OPTOUT (567-8688) When you call, you’ll be asked for personal information, including your home telephone number, your name, and your Social Security number. The information you provide is confidential and will be used only to process your request to opt out of receiving pre-screened offers of credit." 0r visit their website for more information.

"In addition, you can notify the three major credit bureaus that you do not want personal information about you shared for promotional purposes—an important step toward eliminating unsolicited mail. Write your own letter or use the sample letter on the back of this Alert to limit the amount of information the credit bureaus will share about you. Send your letter to each of the three major credit bureaus:

Experian 901 West Bond Lincoln, NE 68521
Attn: Consumer Services Department

TransUnion Name Removal Option P.O. Box 505 Woodlyn, PA 19094

Equifax, Inc. Options P.O. Box 740123 Atlanta, GA 30374-0123

Another option is to use a paid service like I do. Lifelock will not only get your name removed from the credit bureaus opt in list but it put a fraud alert on your account every 90 days. By clicking on my Lifelock hyperlink with the promotion code entpub you will save $1 every month while you protect your identity.

Sample Opt-Out Letter (Send to addresses listed above.)

Date

To whom it may concern:

I request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request:

FIRST, MIDDLE & LAST NAME
(List all name variations, including Jr., Sr., etc.)

______________________________

CURRENT MAILING ADDRESS

______________________________________________________________

______________________________________________________________

PREVIOUS MAILING ADDRESS
(Fill in your previous mailing address if you have moved in the last 6 months.)

______________________________________________________________

______________________________________________________________

SOCIAL SECURITY NUMBER

______________________________

DATE OF BIRTH

______________________________

Thank you for your prompt handling of my request.

______________________________
Signature

“Detect suspicious activity by routinely monitoring your financial accounts and billing statements. If you are unable to take these steps while you are deployed, consider placing an active duty alert on your credit report.’

“Inspect: Your credit report. Credit reports contain information about you, including what accounts you have and your bill-paying history.

”
“The law requires each of the major nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to give you a free copy of your credit report every year if you ask for it.”

“Visit www.AnnualCreditReport.com or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.”

“Your financial statements. Review your financial accounts and read your billing statements regularly, looking for charges you did not make. If you review financial accounts online from a public computer, be sure to log off financial sites before you end your session.”

“Be alert to signs that require immediate attention:

• Bills that do not arrive as expected
• Unexpected credit cards or account statements
• Denials of credit for no apparent reason
• Calls or letters about purchases you did not make “

From:http://www.ftc.gov/bcp/edu/microsites/idtheft/military/detect.html

How to get a free Credit Report

October 29, 2007

The only reason some people offer you free credit reports is to scam you or to get your information and then use that information to fill your email box with new offers related to your demographic.

From: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm

The above link is to the government’s Federal Trade Commission’s websie about Free credit reports. The following excerpt’s in quotes is directly from them, visit their website to check if you doubt me.

“Your Access to Free Credit Reports”

“The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies”

“A Warning About “Imposter” Websites”

“Only one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.”

“Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.”

“annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.”

“Q: How do I order my free report?”

“A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.”

“To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/bcp/conline/edcams/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.”

“You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.”

Free Ebook – How to prevent ID theft

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LifeLock

July 18, 2007 by jrasmus2002.

I share with you many of the principles that life lock uses to protect your identity in my free ebook

Lifelock.com is the leading industry leader in the rapidly growing field of Identity Theft Prevention. Notice that they prevent identity theft, not monitor your credit and notify you after you are a victim. I have always tried to be super careful about protecting my identity and I used to use a credit monitoring system. Time does not allow me to tell you how frustrated I was with them. One day I was so frustrated, I said there has to be a better company to help monitor my identity, I not only found a better company, Ifound a better way, identity theft protection.

Lifelock boasts this guarantee on their website, ”

One Million Dollar Guarantee
Our Guarantee is simple. If you are our client when someone steals your personal information and subsequently misuses it, we will reimburse any and all direct expenses that you incur and pay for professionals with the proper expertise. The maximum amount that we will pay is $1 million over the life of the incident. We provide this guarantee because we are so confident in our product.”Now I share with you in my ebook everything I know about how they protect my id.

My ebook
Table of Contents:

1. Introduction ………………………………………………..
1a. Test your identity quotient ………………………

2. Steps to Protection …………………………………….
2a. Step 1 – Contact the Credit Bureaus
and set a fraud alert ………………………………………

3. Step 2 – Restrict Junk Mail …………………………

4. Step 3 – Block pre approved credit offers

5. How do thieves steal an identity? …………….

6. Quiz – Test your knowledge about Restoring an Identity 9
6a. other quizzes Spyware, phishing ……………

7. Link to Identity Theft Victim’s Guide ……….

Even knowing what I know about Identity theft, I don’t have the time to stay on top of it. That’s why I pay life lock $9.00 a month. (Normally it is $10 but you get a discount when you sign up through my link.) Shhhh, don’t tell the people that are already paying $10 a month.

Free Ebook – How to prevent ID theft

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A Thief would rather steal your Identity rather than your wallet

July 3, 2007 by jrasmus2002.

How much do you know about Identity Theft? I encourage you to start today and educate yourself about protecting your Identity.

Test your “Identity Quotient
http://www.privacyrights.org/ITquiz-interactive.htm

Your test score will reveal your risk for identity theft and you’ll get some great tips on how to protect yourself from identity thieves. Criminals now use identity theft to finance their criminal enterprises. My credit card information was stolen from a data base, (which data base – I don’t know) but in one night they processed almost a $1000 worth of charges in another nation. I encourage you to protect your identity

For free Ebook on how to protect yourself from Identity Theft click Free Ebook

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Identity theft can cause problems with the IRS

July 3, 2007 by jrasmus2002.

As I was listening to the radio yesterday I heard a story about a man that had been contacted by the IRS that he was under reporting his income. It turns out some one in another state was using his social security number to work a job and both incomes were being reported to the IRS.

Just yesterday I was talking to a person in law enforcement, his social security number had been stolen, and someone was using it to start a business in another state.

Selling social security numbers has become big business, if an undocumented worker needs a social security number – he can always buy one. And that social security number might be yours. Always take steps to protect yourself.

Free Ebook – How to prevent ID theft

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Add a security Alert to your Credit Report

July 3, 2007 by jrasmus2002.

In my Free Ebook – How to prevent ID theft I use one of LifeLock’s recommendations. LifeLock is a service I pay for to protect my identity. One of the things they do for me is to add a Security Alert to my credit file. Below I part of the confirmation I received concerning my security alert. (You can find the link to add a security alert yourself in my free Ebook. I use LifeLock so I don’t have to remember to add the alert every 90 days.)
(Below is the confirmation of my security alert)
Dear ……..

We have added an initial Security Alert to your credit file as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will expire after 90 days from 04/01/2007, alerts credit grantors to verify your identity in case someone is using your information without your consent. As an additonal precaution, we have removed your name and address from prescreened offer mailing lists for six months. You can request a free copy of your credit report by visiting our secure Website……………..

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It happened to me

I had a message from my credit card company to give them a call. While driving to work, (using a hand free headset of course), I contacted my credit card company. After confirming who I was, I asked them multiple questions to find out who this was that wanted to discuss my personal information, my credit card company asked me if I had charged about $900.00 in London the night before. I assured them I was about 9000 miles away from London the previous evening.

Well, they got my card number but they didn’t get my identity. If you want additional information on how to protect your identity download my Free Ebook – How to prevent ID theft

Free DIY id theft protection

Free Ebook – How to prevent ID theft

]]> http://destroyidentitytheft.com/2008/11/14/protect-your-identity-previously-posted/feed/ 0 http://destroyidentitytheft.com/2008/11/07/another-laptop-stolen-and-more-social-security-numbers-in-the-wrong-hands/ http://destroyidentitytheft.com/2008/11/07/another-laptop-stolen-and-more-social-security-numbers-in-the-wrong-hands/#comments Fri, 07 Nov 2008 05:07:51 +0000 admin http://destroyidentitytheft.com/protectyouridentity/another-laptop-stolen-and-more-social-security-numbers-in-the-wrong-hands/ “Nov. 6–RALEIGH — A state-owned laptop computer with personal information about 85,045 North Carolina residents was stolen last month in Atlanta, state officials announced Wednesday.

The information included the full Social Security numbers of 52,391 clients of the state Division of Aging and Adult Services, said Lori Walston, spokeswoman for the state Department of Health and Human Services. It also included personal data of about 32,645 additional clients, including the last four digits of their Social Security numbers.”

From: http://www.istockanalyst.com/article/viewiStockNews+articleid_2772740.html

“The Department of Economic Security sent parents a letter telling them that someone had stolen a back-up computer hard drive from a storage facility in Phoenix.

It has a lot of personal family information, the kind that can be used to steal identities.
 

But don’t worry the Arizona Dept of Economic Security doesn’t think there is a major threat….

“The letter says, quote, "The hard drive contained information that may include your name and address, insurance information, and your child’s disability information, date of birth, and social security number,"”

The letter says the thieves probably don’t know what they have.

From: http://www.kold.com/Global/story.asp?S=9301082&nav=14RT

Thousands of Arizona children at risk of identity theft

Posted: Nov 5, 2008 05:35 PM
By Barbara Grijalva

From the  Telegraph.co.uk

“Mr Sarkozy complained to police in September after ‘small amounts’ began disappearing from the account. Police said financial thieves regularly make lots of small illegal withdrawals as a means of trying to keep their crimes undetected.

The embarrassing revelation comes at a time when the French president is trying to portray himself as a leading player in the international financial crisis.

Parisian thieves obtained confidential numbers and passwords so as to withdrawn regular slices of Mr Sarkozy’s annual salary of £195,000 a year.

A prosecutor from the Paris suburb of Nanterre was investigating the case, along with fraud squad officers, Mr Sarkozy’s office confirmed.”

… to read the full article visit http://www.telegraph.co.uk/news/3226767/Sarkozy-bank-account-raided-in-internet-scam.html

Melodie Marks from Westminster, Ca wrote to Ron, “I bank online. Last month, instead of my regular payment of $82 to Time Warner Cable, Bank of America transferred $8,200! The bank said I would have to get the money back from Time Warner. Despite many calls and hours in line, I’ve gotten nowhere. Now, I have no money. Can you help?”

Front line customer service reps couldn’t fix the problem, Diane Wagner a senior vice president said it would take weeks to reverse the transfer. Then early on Saturday morning, (I assume Sat. was the next day), Diane Wagner called to say Bank of America had credited Melodie Marks’ account back.

This experience shows the advantage of using a credit card to make an electronic payment vs. a electronic funds transfer, check online, or check over the phone. If someone makes an error and charges the credit card for an extra $8118, all you have to do is call the credit card company. Then, you have a heavy weight on your side fighting for you – the credit card company.

Melodie Marks had AARP on her side, a lobbying group representing over 20,000,000 people.

Who would be on your side ? ? ? …………….

I will close with Ron Burley’s summary to Melodie Marks. “While online banking is convenient, your case shows that the lack of a paper trail con be a problem. Who ditched the decimal point – you or someone who processed the payment? Even the bank couldn’t say. Online bill payers may be just a keystroke away from monetary mayhem. “