“NAID:  Who are they?”

By Jason Line

NAID is the National Association for Information Destruction.  NAID’s mission is to promote the information destruction industry and the standards and ethics of its member companies.  Essentially, they write the book on the rules and regulations regarding how documents are handled and destroyed.  NAID members have a strict code of ethics they must abide by in order to remain members.

  • Members shall not by any means engage in, nor allow the use of, statements that are false, misleading, incomplete, or likely to mislead consumers or members of the public.
  • Members shall respect the confidential nature of the customers’ records and shall maintain appropriate protection to prevent any disclosure of such information except when required by law.
  • Members shall uphold and improve the integrity of the industry by affirmations of truth, fairness and professional conduct.
  • Members shall not consider or represent general office paper recycling as a form of destruction.
  • Members shall provide opportunities for the interchange of experience, opinions and knowledge through meetings, discussions and publications, for the improvement of the industry, and for the benefit of customers.
  • Members shall price their services in a manner that accurately reflects the terms of service and pricing as understood by the client.
  • Members shall promote the purpose and effectiveness of the information destruction industry by any and all means consistent with the public interest.
  • Members shall abide by Federal, State and local laws and regulations.
  • Members shall abide by, and be subject to, the By-Laws of the Association.
  • Members shall deal fairly with their customers, employees and suppliers.
  • Members shall be good corporate citizens by serving the community.
  • Members shall be honest, truthful and fair to all concerned.

NAID also provides a complaint resolution process for the general public.  If you believe a document destruction company has violated one of the Code of Ethics, you can report the complaint to the Complaint Resolution Council, via the NAID official website.

It’s important to know who is handling your sensitive information.  Next time you take your documents to your local destruction facility, check to see if they have a NAID membership certificate.

Source:  http://www.naidonline.org/

RFID Chips: Convenience for Thieves

 

RFID Chips: Convenience for Thieves

By: JASON LINE

As you may have noticed, your newly issued credit/debit card may have the new RFID chip (as seen above).  The chip is being hailed by the credit card companies as “secure” and “convenient”.  However, this technology uses radio waves to transmit a signal that includes your information, which makes it susceptible to theft.

Your credit card doesn’t have to leave your pocket in order to be stolen.  The scammers are able to purchase an electronic card reader (for less than $100), which will pick-up the radio signal being emitted from your card.  The criminal only needs to be close enough to read the signal.  Once your credit card information is obtained, a clone credit card can be produced and purchases can be made.

It’s important to be aware of this scam and to take the necessary steps, in order to prevent your information from being stolen.  RFID-blocking wallets are your best way to prevent theft.  Amazon.com has a wide-array of options, ranging from $15.00 to upwards of about $60.00.  If you don’t want to shell out money for a RFID-blocking wallet, you can make one with duct tape and just a little bit of tin foil.

Be sure to stay proactive in protecting yourself from crooks.  The RFID embedded technology is sure to grow more widespread in the next couple years, which will lead more criminals to target unsuspecting victims.

Source:  http://www.consumerreports.org/cro/magazine-archive/2011/june/money/credit-card-fraud/rfid-credit-cards/index.htm

Jury Duty Scam

 

Jury Duty Scam

Jason Line

 

Throughout the country numerous people have received threatening emails and telephone calls. The scammers claim their targets have missed jury duty and use fear of prosecution in order to obtain sensitive information.

uscourts.gov wants you to know federal courts do not require you to reveal sensitive information over the phone or through email. Most contact between a federal court and potential juror will be via USPS.

If you have received a call stating that you have missed jury duty, do not give any information and you should contact the Clerk of Court’s office of the U.S. District Court in your area.

Tax Identity Theft

Tax Identity Theft

By Jason Line

As if filing your taxes wasn’t stressful enough, imagine submitting your forms and only to have your return rejected because the IRS claims a return was already filed with your Social Security number.  If all of your information is correct, you may be a victim of identity theft.

The IRS reported there was a 66% increase in tax-related identity theft investigations from 2012 to 2013.  If you believe you are a victim, you should contact the IRS immediately.  In most cases, they will advise you to submit an IRS Identity Theft Affidavit Form 14039 and re-file your taxes and submit via standard mail.  Be sure to take notes of when you contacted the IRS and the dates you submitted the forms.

Once you have completed all the necessary forms, it would also be a good idea to request your credit report from the three major bureaus.  Your Social Security number is a ‘golden ticket’ for criminals and more times than not, they will try to open new accounts with your information.  Check your credit report and check it often.

Ways to Help Avoid:

  1. Don’t carry your Social Security Card with you.
  2. Don’t give out your SSN to a business, just because they ask for it.
  3. Protect your personal information
  4. Check credit report annually.
  5. Don’t give out your personal information over the phone.

The IRS Identity Protection Specialized Unit can be reached at 1-800-908-4490.

 

 

Target announces free credit monitoring details – How to sign up

 

Free credit monitoring details – How to sign up

As promised, please see the FAQ’s referenced below to understand what Target is offering and how to sign up.  These FAQ’s are  from Target’s web site.  I located them by going to their site and clicking on investors/press and then click on credit monitoring.

FAQ:

Who is eligible for free credit monitoring?

All Target guests who shopped in U.S. stores can take advantage of one-year of free credit monitoring.

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If I share my credit or debit account that was used at Target, who should sign up for free credit monitoring?

All Target guests who shopped in U.S. stores can take advantage of one-year of free credit monitoring. Both account holders can sign up for the product.

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How do I sign up for free credit monitoring?

Request an activation code by entering your name and your email address on a Target website: creditmonitoring.target.com.

Within 72 hours, you will receive an email from Target with your unique activation code and instructions on next steps. After you receive your activation code, visit www.protectmyid.com/target to register for one year of free credit monitoring. You must sign up before April 30, 2014.

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Why do I need to enter my email address if I know you already have it?

In order to provide a simple, consistent experience for all guests seeking free credit monitoring, Target is asking interested guests to request an activation code by submitting their email address.

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Will my email be used for anything other than credit monitoring?

Emails collected during this process will only be used for the purpose of sending a code for free credit monitoring.

If you are receiving other Target communications (e.g., weekly circular, Cartwheel, Target.com deals), you will continue to receive those offers and emails.

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Why might it take 72 hours to get the activation code?

We are working as quickly as we can to make it easy for all guests to register. We expect most codes to arrive much sooner than 72 hours. Guests will have until April 23, 2014 to request a code and until April 30, 2014 to register their code with Experian.

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What is ProtectMyID?

ProtectMyID is a credit monitoring and identity theft protection product offered by Experian, a leading global information services company.

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What is offered as part of the credit monitoring/ProtectMyID?

The one year of free monitoring membership to ProtectMyID includes:

  • Credit Report: You will get a free copy of their Experian credit report. If you enroll online, your report will be available online. Online credit reports are available for 30 days.
  • Daily Credit Monitoring: You will receive alerts for one year that reflect changes to your Experian credit report during your membership term. This includes new inquiries, newly opened accounts, new derogatory information (such as delinquencies or medical collections) and more.
  • Identity Theft Resolution: If confirmed that you have been the victim of identity theft, you will be assigned a dedicated, U.S.-based Experian Fraud Resolution Agent who will walk you through the fraud resolution process—and remain available to answer questions—from start to finish.
  • Identity Theft Insurance: If you have been a victim of identity theft relating to this incident, you will immediately be covered by a $1 million insurance policy that can help you cover certain costs, including lost wages, private investigator fees, and unauthorized electronic fund transfers for one year.
  • ProtectMyID ExtendCARE: Access to personalized assistance from a highly-trained Fraud Resolution Agent will continue even after the initial one year ProtectMyID membership expires.

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Will I get a credit score as part of the free offering?

Credit scores will not be offered to guests who sign up for the free year of credit monitoring. You do not need a credit score to receive the benefits of credit monitoring.

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How long will this offer be available?

You may visit creditmonitoring.target.com to request an activation code through April 23,2014. Once you receive your code, you have until April 30, 2014 to register on Experian’s website. The one year of free credit monitoring begins once you register with Experian.

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When does the one year of free credit monitoring start?

Once you receive your unique code, you have until April 30, 2014 to register with ProtectMyID. The one year of free credit monitoring begins once you enroll with ProtectMyID.

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Will I be automatically re-enrolled after one year?

No. After 12 months, those who register have the option to continue their ProtectMyID memberships at their own expense.

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Will I have to enter payment information when registering for ProtectMyID?

No. Target is providing a free one-year membership to ProtectMyID.

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Why is Experian asking me to pay for a credit score or to buy additional reports?

You do not need to purchase a credit score or additional reports from Equifax and TransUnion to receive the benefits of credit monitoring. Credit scores and additional reports can be purchased from Experian at their own expense if guests choose.

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Why is Target offering protection against identity theft?

We understand some guests are anxious and frustrated about the recent data breach at Target. We are offering this product because your trust important to us.

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Why do I have to provide Experian with personal information, such as my social security number?

Experian asks for personal information—such as your social security number—so that your identity can be verified during the registration process and future log-ins. It is a security measure to ensure no one else has access to your information. Check Experian’s FAQ section for more information.

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Does the product monitor individual credit card transactions or should I still be monitoring my account?

ProtectMyID provides guests with credit monitoring alerts, which reflect changes in their credit reports. Guests should always monitor their card statements for unusual or suspicious activity.

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If I have used multiple credit or debit cards at Target, will I need to sign up multiple times for credit monitoring for each card?

ProtectMyID monitors an individual’s credit report, not a specific payment card, so you will only need to sign up once.

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What do I do if I didn’t receive my code?

If it has been more than 72 hours since you submitted your name and email address, we would encourage you to try the following steps:

  • First, check the junk or spam email folder. Depending on your email filter settings, your email may have been directed to one of those folders.
  • Re-submit your email address at creditmonitoring.target.com to ensure the email address was accurately received. If the address was incorrectly entered, you will not have received an email.
  • If neither of the above options work, please try submitting another request using a different email address.

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How do I know if the email I received from Target is real?

Check Target.com/databreach for all official communication from Target.

Good News from Target!

Target to offer free credit monitoring to all guests.  I don’t  know about you, but I was very happy  to hear this  news and as soon as the details are released ,   we will post it on our blog” Protect”.  As they say , “better safe than sorry”.   We will continue to monitor the Target web page and as soon as we have  more details , we will post it on our blog.

 

 

Target to offer free credit monitoring to all guests

 target

January 10, 2014

We understand our guests are eager to sign up for free credit monitoring and identity theft protection.

More details will be coming next week including specific instructions on how to enroll. In the meantime, please know that the sign-up period will extend for three months so that all interested guests will have plenty of time to register. Our contact centers have no additional information to share until the service is launched; as soon as information is available, we will share it here.

“We know this incident has been a confusing and stressful time for our guests, and for that we apologize,” said Scott Kennedy, president, Finance and Retail Services, Target. “We hope this offer provides them with additional peace of mind.”

The service, which will be available to all guests who shopped our U.S. stores, will include a complimentary credit report, daily credit monitoring, identity theft insurance where available, and access to personalized assistance.

Guests who sign up for free credit monitoring should continue to monitor their accounts and report any unusual or suspicious activity to their bank. We also want to remind guests that they have zero liability for the cost of any fraudulent charges arising from the breach.