Dec
27
Ruth Jacob asked:
People under the age of 50 and men in particular, are more likely to expose themselves to credit card fraud or identity theft, according to research by Saga credit card; the financial website, for older people.
As most under 50, have multiple credit and debit cards, spotting fraudulent activity on their accounts is much harder. Also, with more young people living in shared accommodation and using shared letterboxes, their risk of falling victim to fraud is much higher.
Worryingly, the younger generation also seems to adopt a much more careless attitude towards the dangers of credit card fraud than the older generation, although according to APACS, credit and debit card fraud increased by 25 per cent last year.
Of those questioned, 94 per cent own a credit or debit card, with 86 per cent of them saying they had up to four cards. In addition, more than half of participants admitted they carried all their cards with them at once, multiplying the risk of fraud if they were to lose their wallet.
Those with multiple cards, over a fifth (22 per cent) of 18 to 34 year olds stated they only used their additional cards once a year, as opposed to just 16 per cent of the other age groups. Long intervals between card activities mean that it becomes less obvious if a card has been used fraudulently.
Just one in 10 cardholders between 18 and 34 keep their cards in a safe place and only get them out if they need to use them highlighting a need for credit card protection in case of loss or theft.
Of those who had lost one of their cards in the past, just 66 per cent bothered to report the loss straightaway, compared to a significantly higher 78 per cent of over 50s who took action immediately. The study also found that women were more cautious than men.
Also, the majority of 18 to 34 year olds would not object if their card was taken out of sight when paying in a restaurant or shop (88 per cent), whereas only half of the over 55s would let that happen without a fuss.
Andrew Goodsell, Chief Executive, Saga Group Ltd commented: “Our study shows a worrying trend that men and younger people are generally less concerned about ID fraud than their older counterparts, and are not taking the steps to prevent fraudulent activity.”
He recommended: “However, prevention is always better than cure, and we urge everyone to be cautious when using and handing over credit cards to strangers because fraud is on the increase.”
MARCUS
People under the age of 50 and men in particular, are more likely to expose themselves to credit card fraud or identity theft, according to research by Saga credit card; the financial website, for older people.
As most under 50, have multiple credit and debit cards, spotting fraudulent activity on their accounts is much harder. Also, with more young people living in shared accommodation and using shared letterboxes, their risk of falling victim to fraud is much higher.
Worryingly, the younger generation also seems to adopt a much more careless attitude towards the dangers of credit card fraud than the older generation, although according to APACS, credit and debit card fraud increased by 25 per cent last year.
Of those questioned, 94 per cent own a credit or debit card, with 86 per cent of them saying they had up to four cards. In addition, more than half of participants admitted they carried all their cards with them at once, multiplying the risk of fraud if they were to lose their wallet.
Those with multiple cards, over a fifth (22 per cent) of 18 to 34 year olds stated they only used their additional cards once a year, as opposed to just 16 per cent of the other age groups. Long intervals between card activities mean that it becomes less obvious if a card has been used fraudulently.
Just one in 10 cardholders between 18 and 34 keep their cards in a safe place and only get them out if they need to use them highlighting a need for credit card protection in case of loss or theft.
Of those who had lost one of their cards in the past, just 66 per cent bothered to report the loss straightaway, compared to a significantly higher 78 per cent of over 50s who took action immediately. The study also found that women were more cautious than men.
Also, the majority of 18 to 34 year olds would not object if their card was taken out of sight when paying in a restaurant or shop (88 per cent), whereas only half of the over 55s would let that happen without a fuss.
Andrew Goodsell, Chief Executive, Saga Group Ltd commented: “Our study shows a worrying trend that men and younger people are generally less concerned about ID fraud than their older counterparts, and are not taking the steps to prevent fraudulent activity.”
He recommended: “However, prevention is always better than cure, and we urge everyone to be cautious when using and handing over credit cards to strangers because fraud is on the increase.”
MARCUS
Dec
26
Simar asked:
we are new to canada so in order to make credit history we applied for credit card to capital one. Capital one issued credit card to my wife with $3000 as limit. we used 2-3 times after that they stopped it. They sent letter that fraud was detected on our card and we have to send them photo id or utitlity bill. all utility bill comes in name of my husband so i sent them my photo id. Today they called and said that they are closing my credit card and mentioning reason as FRAUD. I want to know will this effect my credit history
LUCAS
we are new to canada so in order to make credit history we applied for credit card to capital one. Capital one issued credit card to my wife with $3000 as limit. we used 2-3 times after that they stopped it. They sent letter that fraud was detected on our card and we have to send them photo id or utitlity bill. all utility bill comes in name of my husband so i sent them my photo id. Today they called and said that they are closing my credit card and mentioning reason as FRAUD. I want to know will this effect my credit history
LUCAS
Dec
26
Id Theft — What to Do
Filed Under Finance | Leave a Comment
Joe Farinaccio asked:
there to do when it comes to fixing Identity theft?” ask most fraud victims.
Naturally, this question comes after fraud has happened. Many software programs on the market today are promising to prevent id theft from taking place by making you aware of any flags you establish for existing accounts or new credit lines.
The Federal Trade Commission does offer a slew of great information on it’s website. There is a challenge in trying to tie together all the details about what needs to be done in order to shut down ID fraud, while cleaning up all affected records.
For example, the first piece of sage advice you’ll most often read about will say something like, “Call the credit reporting agencies immediately.” This is absolutely correct. Phone numbers for the big 3 credit reporting agencies are: Trans Union - 800-888-4213, Experian - 888-397-3742 and Equifax - 800-685-1111.
But then what?
There are a few important things you can ask for during the call. For example …
1) You need to request a free copy of your credit report. (Anyone may request a free copy of his or her credit report from CRAs each year. And if you’re denied credit, employment or insurance as a result of identity theft then you’re entitled to an additional free copy of your credit report).
2) Request that a “fraud alert” be attached to your credit profile.
Now comes the more detailed actions. After your credit reports come you must do several important things. Among them are:
3) Specifically identify fraudulent accounts and inquiries and ask that each one be removed from your credit profile. (The CRAs may tell you that you need to do this in writing, which we’ll cover in the next section). Then ask the CRA to send you a copy of the notification(s) of fraud sent to each credit grantor who they contact regarding suspected fraudulent activity.
4) Ask each CRA for a list of names, phone #’s and addresses for all businesses and organizations that looked at your credit history in the past year (and perhaps even longer, depending on how long the fraud has been going on).
Request the agency to call you whenever applications are made for new credit lines in your name. The alert can say something like, “Please contact me immediately at this phone number before issuing any credit. All new credit applications must be validated and personally authorized by me.”
6) Ask the Credit Reporting Agency to contact every company that has received your credit report in the last year and tell them you’re a victim of identity theft. Request that copies of these notices be sent to you in order to make sure the CRAs follow through with your request.
7) Now you need to call the credit grantors your information search has revealed the identity thief has set up fraudulent accounts with. Tell each one you’re the victim of identity theft and indicate the account(s) in question.
Ask each one to stop issuing credit to the fraudster who has stolen your personal information.
9) Request that fraudulent accounts be closed immediately, then ask for their removal from your credit profile. If an identity thief was able to use a valid credit account (one opened by you), such as a credit card account, then you’ll either have to get a new card issued (with a new number) or cancel the card altogether. It’s better to have this kind of request worded something along the lines of, “This account has been closed at the customer’s request.” That reads much better than, “Card was stolen or lost.”.” Wording such as that might negatively impact your credit score in the future.
10) Request all documentation associated with the fraudulent accounts (including original application). Companies are required to send you this information under federal law. Fraudulent applications often contain forged signatures and other information that might be useful to you or law enforcement. Such documentation includes: false application with forged signature, all billing statements, address and phone number where credit cards were mailed, all correspondence between a creditor and the identity thief, plus electronic, audio or video evidence related to the crime.
11) Don’t forget to ask the credit grantor, company or agency to verify your requests … in writing.
FLOYD
there to do when it comes to fixing Identity theft?” ask most fraud victims.
Naturally, this question comes after fraud has happened. Many software programs on the market today are promising to prevent id theft from taking place by making you aware of any flags you establish for existing accounts or new credit lines.
The Federal Trade Commission does offer a slew of great information on it’s website. There is a challenge in trying to tie together all the details about what needs to be done in order to shut down ID fraud, while cleaning up all affected records.
For example, the first piece of sage advice you’ll most often read about will say something like, “Call the credit reporting agencies immediately.” This is absolutely correct. Phone numbers for the big 3 credit reporting agencies are: Trans Union - 800-888-4213, Experian - 888-397-3742 and Equifax - 800-685-1111.
But then what?
There are a few important things you can ask for during the call. For example …
1) You need to request a free copy of your credit report. (Anyone may request a free copy of his or her credit report from CRAs each year. And if you’re denied credit, employment or insurance as a result of identity theft then you’re entitled to an additional free copy of your credit report).
2) Request that a “fraud alert” be attached to your credit profile.
Now comes the more detailed actions. After your credit reports come you must do several important things. Among them are:
3) Specifically identify fraudulent accounts and inquiries and ask that each one be removed from your credit profile. (The CRAs may tell you that you need to do this in writing, which we’ll cover in the next section). Then ask the CRA to send you a copy of the notification(s) of fraud sent to each credit grantor who they contact regarding suspected fraudulent activity.
4) Ask each CRA for a list of names, phone #’s and addresses for all businesses and organizations that looked at your credit history in the past year (and perhaps even longer, depending on how long the fraud has been going on).
Request the agency to call you whenever applications are made for new credit lines in your name. The alert can say something like, “Please contact me immediately at this phone number before issuing any credit. All new credit applications must be validated and personally authorized by me.”
6) Ask the Credit Reporting Agency to contact every company that has received your credit report in the last year and tell them you’re a victim of identity theft. Request that copies of these notices be sent to you in order to make sure the CRAs follow through with your request.
7) Now you need to call the credit grantors your information search has revealed the identity thief has set up fraudulent accounts with. Tell each one you’re the victim of identity theft and indicate the account(s) in question.
Ask each one to stop issuing credit to the fraudster who has stolen your personal information.9) Request that fraudulent accounts be closed immediately, then ask for their removal from your credit profile. If an identity thief was able to use a valid credit account (one opened by you), such as a credit card account, then you’ll either have to get a new card issued (with a new number) or cancel the card altogether. It’s better to have this kind of request worded something along the lines of, “This account has been closed at the customer’s request.” That reads much better than, “Card was stolen or lost.”.” Wording such as that might negatively impact your credit score in the future.
10) Request all documentation associated with the fraudulent accounts (including original application). Companies are required to send you this information under federal law. Fraudulent applications often contain forged signatures and other information that might be useful to you or law enforcement. Such documentation includes: false application with forged signature, all billing statements, address and phone number where credit cards were mailed, all correspondence between a creditor and the identity thief, plus electronic, audio or video evidence related to the crime.
11) Don’t forget to ask the credit grantor, company or agency to verify your requests … in writing.
FLOYD
Dec
25
Bob Hall asked:
There is a lot of money to be made selling items on the internet. One venue many people are aware of is eBay. The great thing about eBay is that it is so popular. That is also its downside. With so much popularity, there is a great potential for fraud. The question is how to avoid fraud while working from home on eBay.
To be fair, I am not stating that eBay is a rip off - far from it. There are many reputable sellers on this site. Overall, most people are honest and they try to do the right thing. That said there is fraud on eBay and by unscrupulous businesses who wrongfully claim to be eBay business partners. How to avoid fraud while working from home on eBay is a very important topic to discuss.
Take a look at eBay. All of those wonderful products for sale and many are at unbelievable prices. Here is the key if that designer bag is priced so low that it is too good to be true – it probably is a fake. Does the seller know if it is fake: maybe? Here are some tips to keep you from unknowingly selling fake merchandise.
First, know you vendors. Where did you get the merchandise from? Are they reputable? Do not rely on longevity as a sign of selling reputable merchandise. There are deals to be had, however, when you get into higher end merchandise or rare antiques and collectibles be very careful. In North Carolina, a local flea market had a vendor who was there week in and week out, selling designer bags and shoes at insanely low prices. These looked exactly like the designer bags should. All of the correct marks appeared to be there. There were many people who bought from them and resold these bags on eBay and at other online venues as well. Unfortunately, these items were counterfeit and the flea market was raided. 11 people were arrested. Buyer beware!
Another scam you can run into is a company offering drop ship services. Some of these vendors claim to be eBay certified. FYI – eBay does not certify resellers. They might have agreements with some, but most of those involve PowerSellers. How can you tell if a drop shipping company is legitimate? Take a look at their website. Do you need to supply a credit card in order to get pricing? Do they offer a “special deal” to set up your eBay business for a yearly fee? Is there a customer service number posted on the website? Do they answer it – call them and find out. If you need to provide a credit card or other payment information in order to get pricing information – run don’t walk to another vendor. A legitimate vendor may ask you for a tax Id number or sales tax resale number, but they should not require you to provide a credit card to get pricing. What special deal are they offering? You can set up your own eBay business for free, why do you need to pay them? Do you have to sign up for this plan in order to get drop shipping? That sounds kind of shady to me.
The best way to check on a potential vendor is not the Better Business Bureau. Instead, check with the State Attorney General’s Office in your state and in the state where the company claims to be located in. There is no fee to inquire. You will get an answer right away. Another place to check is to see if the company is incorporated. Check with their state’s Department of Treasury. You should be able to tell if the company is in compliance with state laws and reporting procedures. If they are not, choose someone else.
Overall, you just need to exert a little caution when figuring out how to avoid fraud while working from home on eBay. Make sure you know what you are buying and selling. Check out all vendors carefully. This way you can rest assured that the bargains you get are genuine.
TIM
There is a lot of money to be made selling items on the internet. One venue many people are aware of is eBay. The great thing about eBay is that it is so popular. That is also its downside. With so much popularity, there is a great potential for fraud. The question is how to avoid fraud while working from home on eBay.
To be fair, I am not stating that eBay is a rip off - far from it. There are many reputable sellers on this site. Overall, most people are honest and they try to do the right thing. That said there is fraud on eBay and by unscrupulous businesses who wrongfully claim to be eBay business partners. How to avoid fraud while working from home on eBay is a very important topic to discuss.
Take a look at eBay. All of those wonderful products for sale and many are at unbelievable prices. Here is the key if that designer bag is priced so low that it is too good to be true – it probably is a fake. Does the seller know if it is fake: maybe? Here are some tips to keep you from unknowingly selling fake merchandise.
First, know you vendors. Where did you get the merchandise from? Are they reputable? Do not rely on longevity as a sign of selling reputable merchandise. There are deals to be had, however, when you get into higher end merchandise or rare antiques and collectibles be very careful. In North Carolina, a local flea market had a vendor who was there week in and week out, selling designer bags and shoes at insanely low prices. These looked exactly like the designer bags should. All of the correct marks appeared to be there. There were many people who bought from them and resold these bags on eBay and at other online venues as well. Unfortunately, these items were counterfeit and the flea market was raided. 11 people were arrested. Buyer beware!
Another scam you can run into is a company offering drop ship services. Some of these vendors claim to be eBay certified. FYI – eBay does not certify resellers. They might have agreements with some, but most of those involve PowerSellers. How can you tell if a drop shipping company is legitimate? Take a look at their website. Do you need to supply a credit card in order to get pricing? Do they offer a “special deal” to set up your eBay business for a yearly fee? Is there a customer service number posted on the website? Do they answer it – call them and find out. If you need to provide a credit card or other payment information in order to get pricing information – run don’t walk to another vendor. A legitimate vendor may ask you for a tax Id number or sales tax resale number, but they should not require you to provide a credit card to get pricing. What special deal are they offering? You can set up your own eBay business for free, why do you need to pay them? Do you have to sign up for this plan in order to get drop shipping? That sounds kind of shady to me.
The best way to check on a potential vendor is not the Better Business Bureau. Instead, check with the State Attorney General’s Office in your state and in the state where the company claims to be located in. There is no fee to inquire. You will get an answer right away. Another place to check is to see if the company is incorporated. Check with their state’s Department of Treasury. You should be able to tell if the company is in compliance with state laws and reporting procedures. If they are not, choose someone else.
Overall, you just need to exert a little caution when figuring out how to avoid fraud while working from home on eBay. Make sure you know what you are buying and selling. Check out all vendors carefully. This way you can rest assured that the bargains you get are genuine.
TIM
Dec
19
Isla Campbell asked:
It’s one of the country’s fastest growing crimes – but how do you stop someone from stealing your personal details and using them to get credit in your name? There are a number of ways in which you can help to defend yourself – and your finances – from identity fraud.
The electoral roll is used by lenders to verify that you live where you say you do - if you’re already registered, an identity thief will be unable to register in your name. If you haven’t already done so, protect yourself by contacting your local council to register to vote.
An unidentified or suspicious transaction is often one of the first signs of ID fraud. Ensure you thoroughly check your credit card and bank statements for unusual entries. Your credit report can also indicate that someone is using your identity to apply for credit, so check it regularly for applications you didn’t make or accounts you didn’t open. You can view your free credit report online by signing up to a credit monitoring service that will alert you every time there’s a change that could indicate fraud.
If you have had key items stolen, such as credit cards or your passport, report these to the police and any other relevant organisations in order to warn them of potentially fraudulent activity in your name. Thieves may also intercept mail to steal vital information so if any of your mail is going missing, notify the Post Office immediately, and ensure you have mail forwarded when you move.
If you go away on holiday, arrange for your post to be collected regularly to avoid it being stolen and used to commit Identity theft.
An old catalogue with your name, address and account number on it could be useful to fraudsters so ensure that you don’t throw away anything containing personal information that could be used to steal your identity. If in doubt, shred it. Also avoid carrying important documents around unless you really need them. Your passport, driving licence and payment cards can all be used by criminals, so make sure they are kept in a safe place.
Several criminal ploys exist to get hold of your personal details, including cold calls and unsolicited e-mails, so be wary of sharing confidential information with anybody. This includes PINs, bank account details and passwords.
What’s more, steer clear of opening attachments to unsolicited e-mails or visiting dubious-looking web sites - they could contain a virus that will steal important data from your hard disk. Always make sure your computer is protected by installing the latest security patches and anti-virus software on your computer. Increasingly popular social networking sites are ideal for Identity thieves as they can use personal details such as your full address, date of birth, children’s and pet’s names to obtain your password or PIN.
In summary, to protect yourself from ID thieves, use the tips above to ensure that you keep your confidential information secure and stay on top of ID fraud by checking your credit report on a regular basis.
PETER
It’s one of the country’s fastest growing crimes – but how do you stop someone from stealing your personal details and using them to get credit in your name? There are a number of ways in which you can help to defend yourself – and your finances – from identity fraud.
The electoral roll is used by lenders to verify that you live where you say you do - if you’re already registered, an identity thief will be unable to register in your name. If you haven’t already done so, protect yourself by contacting your local council to register to vote.
An unidentified or suspicious transaction is often one of the first signs of ID fraud. Ensure you thoroughly check your credit card and bank statements for unusual entries. Your credit report can also indicate that someone is using your identity to apply for credit, so check it regularly for applications you didn’t make or accounts you didn’t open. You can view your free credit report online by signing up to a credit monitoring service that will alert you every time there’s a change that could indicate fraud.
If you have had key items stolen, such as credit cards or your passport, report these to the police and any other relevant organisations in order to warn them of potentially fraudulent activity in your name. Thieves may also intercept mail to steal vital information so if any of your mail is going missing, notify the Post Office immediately, and ensure you have mail forwarded when you move.
If you go away on holiday, arrange for your post to be collected regularly to avoid it being stolen and used to commit Identity theft.
An old catalogue with your name, address and account number on it could be useful to fraudsters so ensure that you don’t throw away anything containing personal information that could be used to steal your identity. If in doubt, shred it. Also avoid carrying important documents around unless you really need them. Your passport, driving licence and payment cards can all be used by criminals, so make sure they are kept in a safe place.
Several criminal ploys exist to get hold of your personal details, including cold calls and unsolicited e-mails, so be wary of sharing confidential information with anybody. This includes PINs, bank account details and passwords.
What’s more, steer clear of opening attachments to unsolicited e-mails or visiting dubious-looking web sites - they could contain a virus that will steal important data from your hard disk. Always make sure your computer is protected by installing the latest security patches and anti-virus software on your computer. Increasingly popular social networking sites are ideal for Identity thieves as they can use personal details such as your full address, date of birth, children’s and pet’s names to obtain your password or PIN.
In summary, to protect yourself from ID thieves, use the tips above to ensure that you keep your confidential information secure and stay on top of ID fraud by checking your credit report on a regular basis.
PETER
Dec
17
Michelle Thiel asked:
Identity fraud is a crime that costs all of us. As measures have been increased in recent years to mitigate identity fraud, so too has the level of sophistication of the fraudulent acts. Persons that were dedicated to committing fraud had the upper hand for some time, but technology is now catching up to these predators.
Identity Authentication Goes Digital:
Like many forms of communication, a transition is occurring to move paper records to a digitally stored format. Paper identification methods had a downside of being open to tampering. For a while predators where keeping pace with advances in paper record security, in particular home office technology allowed the criminal element to keep up with changes in state-issue ID cards. To stay ahead of criminals seeking to commit identity fraud you need to have an ID authentication process in place. Moving from a dependency of paper to a streamlined digital system is one way identity fraud risk patterns can be identified and mitigated.
The Case to Move Away from Human Error:
Paper forms of identifying a person rely heavily on the skills and ability of a human to identify potential fraud and risk. Training personnel can help with fraud caused by paper records, but there is still an accepted level of human error that is permitted. By placing less reliance on humans to perform an ID check and more reliance on digital technology, the human error factor is reduced and higher efficiency rates can be achieved.
The Case to Move towards Digital ID Authentication:
Moving away from a paper-based identity verification system to one that is digital is a matter of accuracy. By providing your customers with a digital form of identity authentication you are providing better customer service and an added benefit of lower costs because the digital system through increased accuracy can further reduce costs that are passed on by identity fraud. Moving towards a digital ID authentication system means the addition of hardware and software can replace the human error factor that occurs by human-only verification.
The Case to Utilize Fingerprint Biometrics:
Fingerprint biometrics are a leading digital technology that can be utilized in digital identity authentication. Those in a point of service setting that use fingerprint biometrics do so by scanning a customer’s ID through a system and instructing the customer to use a keypad to match fingerprints with a stored fingerprint identity. Fingerprint biometrics help increase the chances that the person in front of you presenting an ID is that ID’s true identity. The result is an ability to capture and link fingerprints to a single ID record, which will increase fraud prevention and help ensure fraudsters do not attempt to use multiple identities.
The Case to Implement Biometric Verification:
Those in a point of service setting pay for fraud twice, once stemming from the initial act of fraud and a second time as a result of cost of goods, services and even insurance rates increases. Biometric verification can help resolve the problem of ID fraud and provide the point of service person that the customer presented is the actual person represented on the ID. The benefit of a biometric verification is that legitimate multiple IDs can be linked to a single person through one unique biometric fingerprint records. The additional benefit is that this unique biometric fingerprint can not be utilized in multiple fraudulent IDs.
GLEN
Identity fraud is a crime that costs all of us. As measures have been increased in recent years to mitigate identity fraud, so too has the level of sophistication of the fraudulent acts. Persons that were dedicated to committing fraud had the upper hand for some time, but technology is now catching up to these predators.
Identity Authentication Goes Digital:
Like many forms of communication, a transition is occurring to move paper records to a digitally stored format. Paper identification methods had a downside of being open to tampering. For a while predators where keeping pace with advances in paper record security, in particular home office technology allowed the criminal element to keep up with changes in state-issue ID cards. To stay ahead of criminals seeking to commit identity fraud you need to have an ID authentication process in place. Moving from a dependency of paper to a streamlined digital system is one way identity fraud risk patterns can be identified and mitigated.
The Case to Move Away from Human Error:
Paper forms of identifying a person rely heavily on the skills and ability of a human to identify potential fraud and risk. Training personnel can help with fraud caused by paper records, but there is still an accepted level of human error that is permitted. By placing less reliance on humans to perform an ID check and more reliance on digital technology, the human error factor is reduced and higher efficiency rates can be achieved.
The Case to Move towards Digital ID Authentication:
Moving away from a paper-based identity verification system to one that is digital is a matter of accuracy. By providing your customers with a digital form of identity authentication you are providing better customer service and an added benefit of lower costs because the digital system through increased accuracy can further reduce costs that are passed on by identity fraud. Moving towards a digital ID authentication system means the addition of hardware and software can replace the human error factor that occurs by human-only verification.
The Case to Utilize Fingerprint Biometrics:
Fingerprint biometrics are a leading digital technology that can be utilized in digital identity authentication. Those in a point of service setting that use fingerprint biometrics do so by scanning a customer’s ID through a system and instructing the customer to use a keypad to match fingerprints with a stored fingerprint identity. Fingerprint biometrics help increase the chances that the person in front of you presenting an ID is that ID’s true identity. The result is an ability to capture and link fingerprints to a single ID record, which will increase fraud prevention and help ensure fraudsters do not attempt to use multiple identities.
The Case to Implement Biometric Verification:
Those in a point of service setting pay for fraud twice, once stemming from the initial act of fraud and a second time as a result of cost of goods, services and even insurance rates increases. Biometric verification can help resolve the problem of ID fraud and provide the point of service person that the customer presented is the actual person represented on the ID. The benefit of a biometric verification is that legitimate multiple IDs can be linked to a single person through one unique biometric fingerprint records. The additional benefit is that this unique biometric fingerprint can not be utilized in multiple fraudulent IDs.
GLEN
Dec
9
Supreme Court says it’s OK to require voters to show ID. Will this “disenfranchise” older voters?
Filed Under Elections | 23 Comments
amnesty sucks asked:
http://news.yahoo.com/s/ap/20080428/ap_on_go_su_co/scotus_voter_id
http://news.yahoo.com/s/ap/20080428/ap_on_go_su_co/scotus_voter_id
There have been many reports of voter fraud each election. This includes people voting when they are not able to vote.
Is this a good ruling or will it “deter poor, older and minority voters from casting ballots?”
BTW, have you ever been asked to show ID when you voted?
I have been voting since 1975. Recently the only reason I show ID is to help the little old lady/man find my name in their ledger. They never ask for it. The “ID” I show is my sample ballot! I’m sure there are people voting that shouldn’t be. It is easy to buy a fake DL (I’ve heard).
I live in San Diego County (CA - the land of fruits and nuts)!
I’m a nut!
TRAVIS
Dec
7
creepyhallows fraud! here is proof! UAMD equals scam www.creepyhollows.com fraud what should I do?
Filed Under Religion & Spirituality | 2 Comments
Mike b asked:
here is more evidence that creepyhollows is a fraud. not only is she coping names from a google site and selling them as spirits…look.
here is more evidence that creepyhollows is a fraud. not only is she coping names from a google site and selling them as spirits…look.
http://www.creepyhollows.com/djinnspirits.html she copied the names from this google site
http://answers.google.com/answers/threadview?id=711284
she just made up information about each djinn….
here is more evidence…
look at this page from her site…
http://www.creepyhollows.com/creaturespirits.html
ok, now look at the spirits that she offers….
ABATWA
ALAN
ALYA
she copied these spirits and the information from this site….
http://home.btconnect.com/garnhams/hogwarts/library/creatures_for_advanced_wizards.htm
i think it is a game site that she copied from. she changes the wording to fit what she is selling! she is a fraud!
look at the “spirits” that she sells and then look at the other list. she skipped ever so many and changed the wording.
This is sick and she has scammed so many! I have already filed with ripoffreport.com
what should i do about her? she also sells on ebay and steals peoples money. how can i get the word out? how to inform others about her?
here is the cached link so you can see it even after she changes it
http://64.233.169.104/search?q=cache:iW_oLkGlHUwJ:www.creepyhollows.com/creaturespirits.html+ABATWA+ALAN+amphisbaena&hl=en&ct=clnk&cd=4&gl=us
another thing that is funny about this seller, in her ebay blog she talks about being honest and other copying her listings…and it turns out she is the one copying everything! Scam!!!
TIMOTHY
Dec
4
I got fraud.saying that i got 500 Us$ lottery , need help?
Filed Under Other - Computers | 4 Comments
mr_abcx asked:
I got fraud ..saying that i got 500 Us$ lottery.
i was given a link http://yahoomailwinner76381.cabspace.com/congratulations65274ac201_http_www.yahoo.com_mail_winner_2704a.htm
I got fraud ..saying that i got 500 Us$ lottery.
i was given a link http://yahoomailwinner76381.cabspace.com/congratulations65274ac201_http_www.yahoo.com_mail_winner_2704a.htm
but displayed as
http://www.yahoo.com/lottery/prizes.php?sid=a3n92dj2d3&rd=us&id=23018392384378&uid=2e5a4h43u2r3u5y1c3&id=28403934224345345
but when i did not succeed. i registered through yahoo games premium service using my credit card and has been charged.
at the same time . i unsubscribed immedietly.
please cancel my last transaction ..because this is a fraud.
thank to yahoo professional team.
OTIS
Dec
3
Alaska leads the country in earmark dollars per resident. Is Governor Palin a fraud?
Filed Under Loan Applicants | 13 Comments
OK asked:
http://www.taxpayer.net/resources.php?category=&type=Project&proj_id=2049&action=Headlines%20By%20TCS
Who cares about the population of Alaska or its land mass? The average Alaskan receives over $200 in earmarks and the average resident of Illinois receives about $10.
LOGAN
http://www.taxpayer.net/resources.php?category=&type=Project&proj_id=2049&action=Headlines%20By%20TCS
Who cares about the population of Alaska or its land mass? The average Alaskan receives over $200 in earmarks and the average resident of Illinois receives about $10.
LOGAN