A Superstar
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But, above all
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Favorite Sites
*****
TeeJay's Tips For Success E-zine
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Online Edition For
February 23, 2007
Success Is A
Matter Of Believing In Yourself
If YOU Believe It..... You WILL Achieve It!
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People whose
identities have been stolen can spend months or
years - and their hard-earned money - cleaning up
the mess thieves have
made of their good name and credit record.
In the meantime, victims may lose job opportunities,
be refused loans, education, housing or cars, or
even get arrested for crimes they didn't commit.
Daily vigilance at home, in the work place and on
the internet is necessary to reduce the risks of
Identity Theft. Scams and fraud face all of us
everywhere and there is the potential of being spied
upon both off the internet and on. Every Family
Member should be a participant in your personal
security protection efforts.
Strategies To Protect Yourself Against Identity
Theft
If you're a victim of identity theft you may spend
months, even years, trying to repair a ruined credit
history. A seriously damaged credit report can
compromise your chances of getting a new job, a bank
loan, insurance or even rental housing. It's even
possible to be arrested for a crime you didn't
commit if someone else has used your identity to
break the law.
Unfortunately, many of the methods that thieves use
to steal identities are beyond your control to guard
against. Although it's rare, even store clerks have
been known to use their position to pass along
information to identity thieves.
There are some measures you can take, however, that
will make it harder for a thief to steal your
identity.
Protect Your Credit Card Number When Making
Purchases
After you make a purchase and your credit or debit
card has been swiped through a credit card terminal,
check to make sure that the printed receipt hides
all but the last 4 digits of your credit card
account number (usually there will be Xs in place of
the first 12 digits). Some terminals still print
receipts that show all 16 digits of an account
number, and may even include the expiration date as
well.
After your card is swiped, you're permitted by law
to hide the first 12 digits of your account number
on the copy of the receipt that the vendor keeps.
Use any marking pen that will do the job.
When you go to a restaurant, it's especially
important to make sure that the first 12 digits of
your credit card number are hidden on your receipt.
You might be in the habit of signing it and then
leaving the restaurant's copy on the table after
your meal. An identity thief can easily steal the
signed receipt before the waitperson comes back
around to pick it up from the table. Don't take any
chances.
Another thing you can do to protect yourself against
credit card fraud and unauthorized credit card usage
is to sign the back of your card as "Check ID". If a
store clerk asks to see your card, he or she will
check the signature on the back and compare it with
some other form of ID you have. This safeguard will
not work where a purchase can be automatically
completed (like at a gas pump).
Do You Really Need To Give Your Social Security
Number?
Another important way that you can guard against
identity theft is to avoid giving out your social
security number unless it's absolutely required.
Although you need to share your social security
number when you apply for credit or for a bank
account, sometimes a store or an organization will
want to use it as an ID number, simply to identify
you within their system.
This is a common practice even though the law says
that social security numbers aren't to be used as ID
numbers. In these situations, use your judgment.
There's usually an alternative if you ask.
Destroy Documents That Contain Sensitive Personal
Information
Credit card company statements and bank statements
you receive in the mail contain your account
information including your account number. Any of
these items need to be shredded. Do not throw credit
card statements, old credit cards or bank
statements, etc. in the trash. That presents an easy
way for someone going through the trash to steal
your account information and use it as if they were
you.
Buy a paper shredder and use it to destroy documents
you're throwing away which contain personal
information such as credit card numbers, social
security numbers, phone numbers and dates of birth.
Shredders that cross-cut are best.
This is important to do both at work and at home.
Identity thieves aren't above going through your
trash to find valuable personal information that can
help them obtain credit in your name.
Some Other Common Sense Safety Steps
When buying items at a store or withdrawing money
from a bank or ATM machine using your ATM debit
card, always protect the visibility of your PIN
number as you punch it in.
Do not carry your social security card with your
number on it in your wallet. Keep your social
security card or anything with your social security
number on it in a safe place where no one has access
to it but you. If you must dispose of anything that
has your social security number on it, do not forget
to shred it.
When online, do not open files sent to you by
strangers or even files that are from someone you
know but were not expecting to receive. Do not click
on hyperlinks or download programs from people you
do not know, either.
Opening a computer file from an unknown source could
expose your system to a computer virus, a Trojan
Horse or spyware. These types of programs could be ones that
log your keystroke information containing your
credit card numbers, passwords or other sensitive
information as you type it in.
If you use Ebay or Paypal, read the company website
policies concerning how they handle communication to
you about your account information. Never trust an
email you receive out of nowhere from Ebay or Paypal
asking you to "update your account information" as
this is more than likely a ploy to steal that
information and use it illegally. This is often
referred to as ‘phishing’.
Use a firewall program and a router while you are
online if you have high speed internet that leaves
your computer connected to the internet 24/7. The
router and the firewall program both make it much
more difficult for a hacker to see your computer's
actual IP address. This means that you have a better
chance of safely sending and receiving sensitive
information over the internet. Windows XP operating
system SP2 has a built in firewall which you should
make sure is enabled in your settings.
When shopping online, always use a secure browser
and shop from a web site that offers secure
transactions when shopping. Most browsers in use
today have this protection feature including the
popular Internet Explorer and Mozilla Firefox
browsers. Secure website shopping carts you visit
will show up as "https://thestoresdomain.com" in the
web browser address bar.
Look for the ‘s’ in the web site ‘https’ addess
code.
Keep your computer clean from spyware or Trojan
Horse
programs that log keystroke information. Use virus
protection software and spyware monitoring and
removal software.
These programs should be updated regularly, and
updates for your operating system and other software
programs should be installed regularly to protect
against the compromise of your computer files and
password information.
Ideally, virus protection software should be set to
update itself frequently. The Windows XP operating
system will update itself automatically if you
enable this feature, which you should. Most browsers
alert you when new updates are available. Don’t wait
– update.
The consequences of identity theft once thieves have
your information can be quite severe and range from
going on a spending spree to taking out auto loans
in your name.
For these reasons and others, it is a good idea to
monitor your credit report periodically. A credit
report can be obtained from Trans Union Corp. and
the other major credit reporting organizations.
New laws have made it easy for you to get at least
one free credit report that you can use to see if
accounts have been opened in your name.
Here are the important contact numbers:
Equifax: report fraud at 1-800-525-6285, order
credit report: 1-800-685-1111 Experian: report fraud t 1-888-397-3742, order
credit report: 1-888-397-3742 Trans Union: report fraud: 1-800-680-7289, order
credit report: 800-888-4213 Federal Trade Commission ID Theft Hotline:
1-877-438-4338 Privacy Rights Clearing House: 1-619-298-3396 Identity Theft Resource Center, Email: voices123@att.net
If The Worst Happens
If you do become a victim of identity theft, take
the following steps immediately:
◦ Contact your credit card companies, close your
accounts and ask to have
new cards issued to you.
◦ Place a fraud alert on your file with any one of
the three major credit bureaus.
The other two will be notified automatically.
◦ File a police report. You may need it to show to
creditors as proof of the crime.
◦ File a complaint with the FTC, which maintains a
database of identity theft cases
used by law enforcement agencies for their
investigations. You can do this online at
http://www.consumer.gov/idtheft/
◦ And be sure to call the Social Security
Administration Fraud Line: 1-800-269-0271
--------------------------------------------------------------------------------------------------------- About The Author
Richard started his "Firewalls and Virus Protection"
website and "Security Alert News Reporter" to help
everyday Internet users navigate safely through the
Cyber Space that has become a 'Cyber Jungle', loaded
with ambushes and booby traps. He promotes his
"Computer Security Awareness Campaign" thru his
website at
http://www.firewalls-and-virus-protection.com
---------------------------------------------------------------------------------------------------------
Please help educate and protect the unwary by
sharing this article. Reprint it if you have a
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give to your friends. It may be used at will
so long as no edits or changes are made to the
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Thank you.
mailto:Richard@firewalls-and-virus-protection.com
Whatever else you do with this guide, please include
sharing it with the people you care about and wish
to protect.
... Richard Rossbauer
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Hello
to all of our regular readers and Welcome Aboard to all of our new subscribers that
have joined us recently.
Welcome to another
issue of our "TeeJay's Tips For Success" e-zine.
I hope you enjoy today's edition.
First and foremost, I would like to thank everyone
who has sent me "Welcome Back" emails.
For the a couple of
days after I published the last edition, I was
amazed to see all of those emails in my inbox. I
didn't really take a count of how many there were,
but there sure was a big bunch of them.
It is a really nice feeling to know that I was
missed by so many people.
I would like to draw your attention to today's
featured article. I have been doing a lot of
research on the subject of Identity Theft recently
and I came across that article. Since it is a
subject that everybody in the world can relate to,
I thought it would be a good idea to publish it in
today's edition.
I also had another reason for publishing that
article......
Yes, I've taken the plunge and I've
written my very first e-book on that very same
subject. That's why I was doing all of that
research.
I just finished up with the text of the e-book
last week and now I'm in the process of trying to
find some free or inexpensive software that will
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format.
I'm also in the process of getting the website for
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Once I've got everything all together, I'll be
offering my e-book to all of my subscribers at a
substantially reduced price for a limited time, so
be sure to watch for an email from me letting you
know that it is available.
I'm hoping to be able to have everything all
together and up on the Internet for sale sometime
during the first or second week of March. I'll be
letting you know via email as soon as it is
published to the Internet.
As I told you in the last edition, I have been
doing some research on some new programs that I
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Your Editor/Publisher
Tim "Skipper" Gilligan
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Please be sure to check your inbox for an
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with
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Please open this e-mail and click on the
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