Being alert of personal accounts a barrier against identity theft

By The Citizen staff report

Friday, May 25, 2007 11:43 PM EDT

While a laptop computer containing personal information was quickly recovered after allegedly having been stolen in Auburn this week, the chief executive officer of an identification theft service said the incident should make people alert as to what they should do to protect themselves.
Michael Durnack, an Auburn native who now runs Syracuse-based Identity Defense, urges people to be pro-active if ever they believe their personal information has fallen into the wrong hands.

The county on Thursday issued a warning to the public about the computer theft. The laptop, allegedly stolen Wednesday from the Booker T. Washington Center, was holding personal information of people who applied for Family Health Plus or Child Health Plus at several county locations.

The county recommended that if an application was submitted for either program since January 2003 to present, affected people should immediately contact a credit reporting agency and request a fraud alert be placed on the credit card accounts.

The alert can be put in place for 90 days or up to seven years.

Durnack said he applauded the county for quickly reporting the potential breach, but he said a fraud alert alone may not be an adequate response.

“There are many other ways in which this personal information can be used, anywhere in the country or world and not just with a credit card,” he wrote in a letter to local media. “Many get car loans, acquire cell phones, rent properties, obtain utility services, medical services, prescriptions, or use for a criminal conviction.”

Among his recommendations:

€ Get a credit freeze or security freeze to lock down credit from any new accounts being opened in your name.

€ Actively review bank and credit statements - online if possible - so you can do so more frequently.

€ Take note of unexpected phone calls or mail from medical facilities or pharmacies.

€ Look out for bills or calls from a collection agency pertaining to transactions anywhere in the world.

€ Monitor mail for increases or decreased in volume.

€ Review personal background information annual to be sure nobody has been charged with a crime in your name.

€ Use an insurance information service to check once a year that no major claim has been made in your name.

The Citizens' Say

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There are 3 comment(s)

Richard wrote on May 27, 2007 10:11 AM:

" Law makers need to address this problem, by making it illegal for the SSN to be used for credit granting and other non-tax related purpose by business, or any other organization. Financial and all other organizations should be mandated by law to convert existing SSNs into a new number in a randomized way, and never ever ask anyone for a SSN again for any non-tax related purpose. The SSN needs to be returned to its original purpose as a tax ID. No other use should be legal. The SSN should not be used as an all purpose ID. Law-makers, please do your job: please create laws to protect the people against ID theft. People, please write to your representatives, and let them know this issue is important to you. "

Ian wrote on May 26, 2007 7:55 AM:

" To deter fraud we have these two options. BAD OPTION: Stop fraudsters from obtaining our personal details, stolen and skimmed cards and PIN numbers. It is obvious that it is virtually impossible for us to stop fraudsters from obtaining these details. This shows why our bad problems will continue to get worse because we are relying on this bad system to deter fraud. GOOD OPTION: Make signature and PIN number systems reliable as proposed via use of ID KEY system described on website www.xwave.co.uk Since this system will deter fraudsters from getting tempted to misuse our details they have obtained it will be effective in deterring fraud and hence eliminate the need for us to protect our personal details, cards and PIN numbers. This shows that unless the government and financial institutions support and implement ID KEY system fraud crimes will continue to grow like wild forest fires in every sector of the industry. "

bms wrote on May 26, 2007 5:57 AM:

" It is great the laptop was recovered. However, in many similar instances, the laptop may not be recovered. Furthermore, Identity Thieves are not interested in the laptop itself, but in the data it contains. Hence, a criminal would steal a laptop, download its information, and leave the laptop to be recovered. Unsuspecting individuals may think they are safe becuase the laptop is recovered. They could be wrong if the data had been compromised and downloaded. Consumers should definitely follow the above recommendations. Substantial information about Credit Freeze, including Print&Fill kits is available at http://www.creditlock.com Consumers should definitiely monitor their credit report activity, and follow other deterrence measures such as those on the FTC website. "

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