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Alarm Systems: Not Just For The Wealthy Anymore! By: Matthew Francis: Over the last 22 years that I have been involved in the security alarm industry, I have seen quite an evolution. Chan... on local reputation for future business. They will monitor your alarm on a month to month basis without a long term mon... A New Perspective on Home Security By: Jill Ostrow: It was a struggle in the early years of the security alarm industry for the public to recognize the need for protecti... Many did not want unsightly wiring throughout their homes while others could not tolerate the common annoyance of false... Home Safety Tips: Arm Yourself Against The Threat Of A Break-In By: News Canada: (NC)—In 1999, Statistics Canada reported that there were approximately 92,485 break and enters reported to police, how... "Thieves are always on the lookout for homes with big cardboard boxes at the curb highlighting new purchases," added De... Home Security � Defend Your Home and Possessions Against Intruders! By: Ian White: With all of the emphasis in the past few years on Homeland Security, many people have overlooked the importance of ho... sitters. It�s as though someone is renting your house while you�re on vacation, only they generally don�t pay yo... CCTV Security Camera Systems By: Damian Sofsian: One camera does not a system make is the rule of thumb to remember when you consider what type of security camera syst... years. These days, it’s more prevalent than any other type of security system that might function without a TV. The dif... Identity Theft Exploding: Here’s How you can Avoid Becoming a Victim - Plus, Tips if you do Become a Victim Steven PresarAmericans are more concerned about identity theft than unemployment or corporate fraud, according to a survey of 2,000 people conducted by Star Systems. Nine out of ten Americans demand new federal legislation, while two-thirds say the financial services industry needs to do a better job of verifying the identity of customers who open bank accounts (66 percent) and credit card accounts (72 percent). Some 5.6 percent of respondents reported being victims of identity theft, which translates to 12 million people. When debit and credit card fraud and identity theft were combined, close to 15.9 percent of consumers say they have been the victim of one of these crimes. (Source: Star Systems, 2003) For most of us, using your debit or credit card to make a purchase has become an every day aspect of life. Many of us do it every day and feel safe in doing so. But it is far from safe. People with your debit or credit card information may make purchases with your card information over the telephone, via the Internet, or at a local retail store. As we moved to a cashless system of transactions by debit or credit card, a relatively simple crime niche has grown – identity theft and fraud. Some law enforcement authorities are not pursuing the crime in a coordinated and cooperative fashion. Thus, a situation has grown that affords the people who perpetrate such acts of theft and fraud, act with a degree of confidents that they will not get caught. What can you do to reduce your chances of becoming a victim of identity theft or fraud? Here is a list of actions that you can take to avoid becoming a victim of identity crimes. 1. Never throw receipts or statements away that have personal information on them. The trash is the greatest repository of information for the identity thief. Even better, shred everything that has identifying information on it (transaction receipts, etc.). 2. Pay to have an unlisted telephone number in your local telephone directory. 3. Take as much identification off of your personal checks and driver’s license as possible. Thus, no home addresses, phone numbers, or social security numbers on personal checks. Last only your last name and first initial rather than your full name. You want a retail clerk to check your ID when you are cashing a check. Most states now provide a photo ID on all new automobile drivers licenses issued. If you do not have one, conceder getting your licenses renewed now to get a photo ID for identification purposes. Do not put your social security number on your driver’s license. 4. Check your bank accounts for suspicious activity everyday, this can be done online via the Internet. 5. Have your middle initial removed from all public documentation if possible. Middle initials help identity thieves narrow down their searches for victims. 6. If someone calls you asking for your personal information on the telephone – do not provide any personal information to anyone over the phone. 7. Don’t leave your mail out overnight. If you will be away from home for any period of time: have your home mail delivery stopped. If possible, secure a locked mail box at your local post office or a retail store mail box service for your home mail delivery. If you go on vacation, have your mail and newspaper delivery stopped and arrange to have your yard maintained. Include the post office, newspaper service, and your friends or neighbors to insure that your home looks as if it is occupied while you are gone. For a checklist for your home security while you are away see – ProtectionConnect.com/homesecurity www.ProtectionConnect.com/sitemap. www checklist.html or html#home. 8. Write “Check ID” on the back of your debit or credit cards next to your signature. In that way, when a retail store checks your signature on your card, they will verify that the card is being used by the proper individual. 9. Be aware of people standing too close to you and “shoulder surfing” you while you conduct your ATM transactions. If you do become a victim of an identity crime – do the following: 1. Demand to file a police report no matter how unwilling the law enforcement office may be. Make sure to get a copy or at least the report number. 2. In the case of card fraud, make sure to cancel your card and report it as stolen to your credit card company as soon as you find out. Immediately, fill out affidavits with the appropriate financial institution denying that you were the one who made the relevant purchases. In most cases, the banks will respond with up to a 30-day process that requires the businesses that accepted the fraudulent transactions to repay the banks. 3. Report the fraud to the three major credit bureaus: ~ TransUnion Post Office Box 2000 Chester, PA 19022 ~ Equifax, Equifax Equifax Credit Information Services, Inc Post Office Box 740241 Atlanta, GA 30374 1.888.766.0008 ~ Experian Consumer Information Post Office Box 1909 Orange, CA 92865 4. The U.S. Secret Service handles fraud cases that cross state borders. If you know that your case applies, contact their local office to make them aware of your case. If it is part of a broader fraud case, you may be contacted by an agent. 5. You can also fill out a complaint form with the Federal Trade Commission, although this is strictly used to track national identity theft statistics. Copyright Steven Presar About the Author Steven Presar is a recognized small business technology coach, Internet publisher, author, speaker, and trainer. He provides personal, home, and computer security solutions at www.ProtectionConnect.com. He provides business software reviews at www.OnlineSoftwareGuide.com. 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