twenty-first Century Thieves are not thinking about Your Wallet

STATEN ISLAND, Ny (PRWEB) December 15, 2014

households whom attempt to protect themselves from threats of burglaries or theft may assume that locking their particular doorways through the night is the greatest strategy or sole option. Regrettably, numerous modern thieves have stopped trying to crawl through windows while having begun taking a far more electronic method of take your many valued asset: your identification.

The quick development of modern tools has actually a dark key. The top criminal activity in the usa is not any longer medication trafficking, but identity theft. The destruction which can be done out of this attack can result in financial ruin as well as cause mistaken identities in health situations with devastating results. Even worse, kids are increasingly becoming goals.

James LaPiedra, creator of ID360°, offers a step-by-step help guide to protect individuals and their families in the guide, “Identity Lockdown.” The book sets real-life circumstances and stories having its researched statistics and realities to aid your reader easily understand the needed precautions. The readers in addition learn how to lower their threat, tips identify deceptive task in early stages and how to recover their particular identity should they were to fall victim.

“Today’s truth: prepare or fix. The selection is yours,” LaPiedra said.

In addition to their current make use of ID360°, James has actually served over 20 years as a highly embellished veteran regarding the New York City Police division retiring as a deputy inspector.

“Given that more than the last year there have been over one billion records stolen containing personal identifiable information, it’s not a matter of ‘if’ you’ll come to be an identification theft sufferer, it’s a matter of ‘when’.” LaPiedra stated.

To find out more, go to http://yourid360.com/

Identification Lockdown: Your Step-By-Step Guide To Identity Theft Coverage By James LaPiedra

ISBN: 978-1-4834-1627-4

E-book ISBN: 978-1-4834-1627-4

For sale in softcover and e-book

Available on Amazon, Barnes & Noble and Lulu

In regards to the author

James LaPiedra could be the president and CEO of ID360°, a premiere identification theft recovery company. He is a Certified identification Theft danger control Specialist and an avowed Financial PlannerTM expert.



For review copies or interview demands, contact: Jake Doll



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Learning more about change of address identity theft, a new way of id theft

There are various ways to commit identity theft; it ranges from the simple modus of taking personal information from discarded receipts and documents to the technical modus of using specialized software. As these modus operandi progresses, the authorities find it also necessary to level up the protection and virtual security of the consumers as identity theft prevention. In essence, identity theft perpetrators try to use other mediums to commit the crime. One of the mediums now being used is the snail mail.

Upon realizing that some snail mails contain personal information which could also be a source of personal information of a person, some identity theft perpetrators now devised some ways to intercept the mails being delivered to residential addresses. What they usually do is contact your bank or other businesses you have credit into and divert the mail by sending it elsewhere by giving them a new home address or through a change-of-address form. Based on investigations of WCBS, a New-York based television station; this has been the latest trick in identity theft. This method requires no ID, and not much effort to file for a fake change-of-address card. Although the number of fraudulently filed change of address forms at present is only small, its impact is huge since bank statements, unapproved credit card forms and other information are passed through identify thieves who claims their stolen identity.

A nonprofit consumer advocacy group Privacy Rights Clearinghouse reports that about 100 million or more records have been stolen since 2005 from Americans. Basically, this robbed information includes Security number, employer name and bank accounts which are essential and can be used in great monetary loss to the victims.

In order to avoid falling victim to this modus operandi and protect identity theft, Whitney M.T of Natural News suggests the following measures:

If you are religiously receiving mails at your home, took notice if you would not receive any mail for a couple of days especially if other household members are receiving theirs. Note: change of address identity theft could only target a sole individual and would not necessarily affect everyone in the household. If you notice this change in the pattern of mail delivery.
Instead of using your home mailbox, how about trying public mailbox. Public mailbox would prove to be much safer as compared to your own mailbox since it is being mailed to a general address and there would be little probability that criminals could track you your bills and important letters once it is mailed there. Also, make it a point to collect your mails on the public mailbox before the final collection time for the mailbox because the identity theft perpetrators are observed to be stealing and tampering the public mailboxes during nighttime when there are lesser people that may see them.
Get your mails as soon as its arrives in your mailbox. Make a habit to check your mailbox regularly and getting your letters once it arrives. You should not leave your mails placed on the inbox overnight to lessen the risk that identity thieves could get these. You may also consider getting electronic sensors which could alert you that your mailbox has been opened to secure your mailboxes.
Use locks on your mailbox. As an added precaution, use sturdy locks on your mails to keep the thieves from opening it easily and having access to your mails and your important information.
Immediately report to the authorities if you see some irregularities in your mail delivery. Know that there are certain procedures being followed if you have to change your address and this is process still needs to be validated to you by your banks so if you fail to receive your due mails on time, this is a sign of identity theft and there is a large possibility that you are being tracked and that identity theft perpetrators are getting and using your mails. Thus, you must immediately notify the authorities about this and notify your bank and other businesses you have accounts to and briefed them on the situation so that they may stop sending your bills on this new reported address.

Amy is an active blogger who is fond of sharing interesting finance related articles to encourage people to manage and protect their finances. She also covers topics on tips to protect credit and tips to prevent financial identity theft through lost credit card.

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Everything You Need to Know About Medical Bills on Your Credit Report

Everything You Need to Know About Medical Bills on Your Credit Report
Make copies of these documents and include them with your dispute letter. Send written notice – Alert the credit bureaus that you're disputing the collections. Send a letter to the bureaus reporting the error (make sure to check all three of your …
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Your credit report
If any of the information on your credit report is incorrect, you can log a dispute with the credit bureau. The bureau will investigate the dispute free of charge, and if the disputed information is found to be incorrect, it must update your profile …
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Now Is The Time To Check Your Credit Report And Save Before The Holidays
So what to do if you find fraudulent activities on your credit report? "If you find an error, you may dispute it online through the main credit reporting agencies," said Moore. "You also can call the telephone number on your credit report for …
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In Light of Rise inside Identity Theft, Attorney Victor Rotolo Looks at Its Effects about Children

Lebanon, NJ (PRWEB) July 31, 2014

Identity theft is a fast-growing crime which takes about various types, achieving means beyond a limited fraudulent charges against credit cards plus having devastating effects about victims’ finances, reputations plus, inside certain situations, even healthcare. “It is bad enough whenever this arises to an adult,” reported family law lawyer Victor Rotolo, “but whenever children’s identities are stolen, it presents a complete fresh set of issues, a few of that can not be noticed for a long time.”

The Department of Justice (DOJ) information shows identity theft is immediately becoming the leading shape of financial crime:

Over 16 million Americans reported being identity theft victims inside 2012;
For the five-year period from 2005 to 2010, reports of credit card theft rose by 50%;
The quantity of acknowledged malware programs intended to take individual information has improved from 1 million inside 2007 to about 130 million now.

“While there is not a surefire method to safeguard a identity from being stolen, many adults understand enough to take procedures to protect their individual info plus to keep over their credit plus healthcare reports,” Mr. Rotolo said. “Unfortunately, identity thieves don’t constantly create a distinction between adults plus kids.”

Foster youngsters are particularly vulnerable to the crime considering they frequently move from house to house plus, because a outcome, their individual info is exposed to more persons. But, any child is exposed to identity theft. In truth, it was reported which inside the previous five years identity theft involving youngsters beneath six years of age has doubled. Child identities are usually more appealing considering they come with clean credit records.

National statistics found on the prevalence of child identity theft are difficult to come by. Frequently these crimes go undetected till kids reach age where they are applying for a job or perhaps a school loan, plus, consequently, by the time the identity theft of the child is disclosed, the path has gone cold plus it becomes harder to repair damages to the child’s credit report.

Most annoying based on the DOJ statistics is the fact that of the child identity theft offences reported, over 70% are categorized because “friendly scam,” which is scam committed with a family friend or perhaps a relative – inside several instances, even the child’s own parents.

“Since many youngsters never utilize credit or debit cards, it is very effortless to overlook the truth which they, too, is victims of identity theft,” mentioned Mr. Rotolo. “It is as much as the adults inside their lives to safeguard them.”

In addition to names, passwords plus Personal Identification Numbers (PINs), identity thieves search for Social Security numbers, bank account plus passport numbers, student or insurance IDs plus even the data offered about university financial help applications.

Signs a child is the victim of identity theft include getting collection sees for services or goods not received; being notified by the Internal Revenue Service of failure to pay money taxes whenever the child is not working; plus being refused advantages within the government considering they are absolutely being paid to another account utilizing the child’s Social Security amount. Short of these red flags, the Federal Trade Commission suggests checking sometime about a child’s 16th birthday to find when he or she has a credit report plus, when thus, to check its precision. This delivers enough time to correct any mistakes found on the report before the child is prepared to find a job or sign up for a school loan.

“The effects of identity theft will be upsetting for anybody, however, for youngsters to discover wrecked reputations before they even begin about their own is devastating,” warned Mr. Rotolo. “Taking procedures to protect individual information plus to keep over financial plus healthcare histories will assist to mitigate the damaging impact of these offences.”

Mr. Rotolo has over 25 years of experience specializing inside the regions of family law, unlawful protection plus civil litigation. With 55 customer critiques, Mr. Rotolo received a “superb” rating from Avvo, having accomplished the greatest accessible score of 10, plus an “AV” rating from Martindale-Hubbell, that is based about peer ratings. Additionally, Mr. Rotolo has been called to the New Jersey Super Lawyers list consecutively from 2006 by 2014 plus was included found on the Top 100 Trial Lawyers inside 2013 plus 2014 by The National Trial Lawyers. The Rotolo Law Firm, that he founded inside 1987, is found inside Lebanon, NJ, conveniently accessible to both Clinton plus Flemington, NJ plus surrounding regions through Routes 78, 22 plus 31.

To review selection criteria for the above-mentioned lists, see The Rotolo Law Firm webpage plus understand more info on Mr. Rotolo plus The Rotolo Law Firm, by exploring http://www.rotololawfirm.com.






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Q&A: Different Transunion score about 2 websites?

Question by L o v e l y: Different Transunion score about 2 websites?
I went to freecreditreport.com plus truecredit.com. They both gave me a different Transunion score!!! What’s going about??


Best answer:

Answer by bdancer222
Third party monitoring services like the 2 we stated never employ FICO scores. They have their own scoring program. We are probably to have a different Fakko score at each monitoring website.

Be certain to cancel those trial memberships about both those websites before we receive hit with monthly fees.

Equifax utilizes FICO scores. You are able to equally receive FICO scores for Equifax plus TransUnion at MyFico.com. Consumers could no longer receive FICO scores for Experian. The TransUnion plus Experian websites offers we Vantage scores (scale to 990 versus FICO’s 850). Creditor’s utilize FICO. Anything else is a waste cash.

CreditKarma.com has a totally free score estimator based about a TransUnion report. It’s not FICO. However it’s kinda, sorta like FICO, provide or take 50 points or thus. Great enough should you are simply interested regarding a score.

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