Wolf Tracking

Sylvia Rolfe asked:




Identity theft happens to nearly 10 millions Americans each year, and the numbers are on a dramatic increase. This could be partially due to a rise in on line activities such as shopping, paying bills and social member sites. Luckily, there are ways that you can prevent identity theft and protect your credit. Let us discuss the 5 major ways that you can protect yourself.


The dangers of your debit card. It may seem odd to say your debit card can place you at risk for having your identity taken. They actually carry a higher liability than a credit card. You have more personal liability when it comes to fraud. You only have up to 60 days to report your card missing or stolen. After that time period you may end up losing all the money in your bank account and also be held accountable for any money taken from your lines of credit.
Shred the check book. That one piece of paper is a lifeline to you. It contains vital information such as your name, address, bank account number and signature. Is that really something you want in the hands of a complete stranger? So how do you avoid paying by check, look into automating your bill payment. The worst part about checks, is that there is no federal legislation to limit your liability on forged checks.
Secure your mail. Your mailbox is full of a complete while information. You receive everything including bank statements bills, and even those annoying pre-approved credit card offers. The biggest risk of the pre-approved credit card offers, is it is easy to apply for a new credit card in your name using the pre-filled information on the application. The only way you would ever find out is if you kept up to date on your credit reports. Otherwise you have no idea that someone had stolen your identity. Only to avoid this is have your mailbox under lock and key. Another solution is to rent a mailbox from your local post office. Another good word of advice is to ensure to shred your documents before discarding them. You can pick up a simple shredder, at most office supply stores. The cost will quickly be paid for in the peace of mind, you find.
Take advantage of technology. When shopping on line you can purchase a virtual card number. These are randomly generated credit card numbers that are disposable. You use it once and throw it away. It is linked directly to your real credit card accounts purchases will show up on your monthly bill. The service is free to use and will assist you in preventing identity theft.
Create an identity kit. Do you know who to contact a credit card company and emergency? By creating an emergency kit that contains your account information expiration dates issuing company names and contact numbers for each card. You can make it easier on yourself in the case something does happen to your cards. Another important aspect would be to copy all your major pieces of identification. This includes your drivers license Social Security number ****** pocket and passport. Make sure you store them in a lock box a file cabinet or better yet a safety deposit box. This gives you protection in the event of a natural disasters as well.

Identity theft is on the rise. All these things may seem extreme until it happens to you. Only you are capable of protecting yourself. Do your best to prevent becoming a victim of identity theft.

abortstorm asked:


I have a joint bank account with this person. We want to get an account wit a company that I owe money to. Can I legally use their idenity to register if I have their permission although they dont live with me?

Rook Davis asked:




So I recently moved, and of course, that means changing your addresses on all your accounts – bank, credit cards, magazine subscriptions, newsletters and so on. But it also brings up a couple of key points where you should be aware of identity theft methods.

I don’t know of any credit card or bank card in existence that doesn’t have online account management. This is a great facet of living in the Internet Age, where you can easily update your account information from anywhere, twenty-four hours a day, without having to pick up a phone or lick a single stamp. It’s great, and it’s flexible. Online account management sites don’t list your account number or your CSC code (that’s the little three-digit or four-digit code on the back of the card); however they do list something just as valuable to a potential identity thief: your address.

An address is useful to an identity thief for several reasons, but in this case it’s because the thief can change the address to match their own and order new cards. If a potential crook can log into your account, they can request new cards and then change your address information so that the new cards are delivered right to their door. Easier than stealing it from your wallet or paying for it, if the crook can guess your password, they can steal your card with a quick account change request. They might even be able to get a card with their own name on it, or one of their aliases.

The credit card companies combat this by sending emails and physical mail notices to the (real) account holder to let them know the information was changed. You should be on the lookout for this information, which can slip under the radar if your credit card company is frequently sending you advertising mailings. You might not take the time to review the legitimate mail when it comes.

This just goes to prove the point that your account login and password should be something secure. You should use a ’strong’ password, something that can’t easily be guessed or deduced. Instead of using “love” as your password, you should maybe use something like “l@ve2789″. Longer is better – and please, come up with your own password, don’t use the one I just made up!

If you can manage it, you should probably change your password pretty regularly. Also, check your account information that is listed in your online account site regularly. By the time you get a notice in the mail, the thief may be a few steps ahead of you and burning up your credit limit before anyone gets wise.

Even though credit card companies are working hard to prevent and combat identity theft, it is up to consumers to protect themselves as much as possible. A little prevention goes a long way, and just educating yourself to the potential hazards gives you an advantage. It’s a good idea to take action by visiting your various online accounts and familiarize yourself with the options for address management and notification of changes.

mousecat14 asked:

COMMENT!!!!!!

Lee Harrison asked:




Sam drops the last of his already paid bills into the trash. Down the street, a neighbor watches while Sam puts out the trash.

Two weeks later, Sam is notified that loans, credit cards and bank accounts have all been opened in his name! Sam could spend the better part of two years trying to clean up the mess created by this theft. He may also have to work for many years after this to re-establish his credit.

Don’t let this happen to you. Identity theft is a growing problem but is easy enough to prevent. Prevention is the key as it is extremely hard to clear up the mess at a later date.

Questions: Do You Protect Your Identity from Thieves?

Think of all your daily purchases. Do you throw away the receipts in the store?

How many bills do you pile up in your home office? What do you do with them when you’re finished? Throw them away in the trash or do you remember to shred them?

What about those credit card applications you leave in the mailbox for the mail carrier to take?

It takes just one sheet of paper with the right information on it and your identity could be stolen. Just one sheet of paper can mean the difference between protection and vulnerability.

Do you leave mail in your car while you shop? Do you expose your pocket book while waiting in line at the cash register? Thieves do a number of things to try and get credit card numbers, bank account information and more.

The best prevention method for protecting your identity from theft concerns keeping track of receipts, bills, applications and any other important financial documents.

Preventing Identity Theft By Watching Your Trash

Don’t let mail sit on your mailbox unprotected. If you can, get a self-locking mailbox to prevent people stealing mail your carrier has just delivered.

Don’t leave mail to be taken back by the carrier either. Instead, drop it off at your post office. That extra ten-minute drive could really save you from years of trying to clean up your credit.

Do you have a paper shredder and use it religiously? Its best to shred anything you think you are going to throw away. This includes mall receipts, gas bills etc. What about those credit card applications that you toss away? Remember, anything and everything could leave you vulnerable. Don’t take chances; take action to prevent your identity from being stolen.

Taking Identity Theft Seriously

If you worry about what your credit report says and if your identity might have been stolen, contact a credit repair professional. They can help you find out what your credit report says about you, explain your options and get you back on the right track.

Do you call your bank the moment you suspect your bank account number may have been compromised? The same thing should be done for your credit cards as well. The sooner you contact the right people, the faster you’ll be able to get things fixed.

Most importantly, you should use a credit repair service to keep an eye on your credit score. This service can keep you informed on a regular basis and contact you if anything strange crops up. A credit repair professional is someone on your side and standing in your corner if things should go wrong.

Remember the key is to watch what you throw away and also be aware of your credit score. If you pay attention to these two points you will be well on your way to protecting yourself from the problems associated with identity theft.

robuzzel asked:

Rob Uzzel talks about how he’s been a possible victim of idenity theft/credit card fraud, advises on what people can do if they become a victim, Vista Print/Google and how they are screwing him over with UTE, and how a female in the church took things to heart/inviting Big Rob to her bday party/then contradicting herself by uninviting him.

Kevin asked:


Say someone used another persons social and applyed for credit cards, then emailed them tomy outside mailbox and took them out of my box, then uses all the money,

will i be held responsible?