Any form of theft is a violation to the law. It causes infringement to the right of an individual, an organization or even a group of companies. Moreover, for every violation there is a corresponding sanction.

Majority of the people are aware about it. However, only few can understand regarding this matter. There is a necessity for clarification because it can bring so much impact to several aspects of both the business and the group of individuals concerned.

Are you aware that there is also the so-called identity theft and fraud that happens in the web world? With the advent of technology, where everything almost functions through computer technology, there is a lot of falsification that can happen.

Identity theft on its strictest sense refers to stealing of your personal data. These data are usually found in your typical identification card. The data will constitute your SSS number, license number, credit card and also your bank account number as well as your mother’s maiden name. In other words, if all of this necessary information will be stolen from you, they can also perform transactions using your identity.

Identity theft and fraud indeed ruins your personal privacy. This is something serious because it can bring risk to your life also. You do not even know if someone is planning against you or your property.

The worse thing is that, traditional identification card is not in the line anymore. Almost all the transactions already pass through the computers and even the identification cards. It is easier to steal your identity through computer access because of its being accessible to the public.

You should secure yourself at all times. Be sure that you are always ready if somebody will take your identity. It is a fact that it is quite difficult to do this primarily because everything is out of your control.

Bear in mind that you are responsible of making significant actions in order to prevent your identity from being taken away from you by other users. Do not let them benefit from the fruits of your labor.

You should always beware of the people that are expert in terms of identity theft and fraud. They know all of the tactics and strategies in stealing your identity. Some of these people even study all the tricks that they can do for them to execute the crime clean.

Yes, the identity theft and fraud can be both considered crime. Fraud usually happens after somebody steals your identity, because it allows him to manipulate and execute with his illegal actions using your personal information.

Your personal identity can be a greatest tool also for deceiving other people. This will particularly happen if the business transaction will happen computer to computer. So many people are becoming wealthy with this fraudulent act.

You should not loose hope because there are still possible means that you can do to prevent yourself from being a victim of these identity theft and fraud. It will also vary depending on the place where you are.

If you are at boarding, do not trust too much with your roommates. Make sure that you keep all your personal data properly. It is not good if you will be exposing your entire personal identity o your roommates. Better if you will be sending or getting your letters in the nearest post office in your place than leave it into the mailbox at your gates.  You can also crumple and destroy all the unnecessary forms that will include your personal data immediately so that others will not have an access to this anymore.

If you are at work, you can refer to some agencies that can guarantee you for the security of your personal data. Do not forget to confirm if your personal data is held safely. Make sure that when making business transactions, avoid trusting other people especially those that ask your personal information via phone.  You can verify if it concerns business matters or any legal operation.

Likewise, in your computers avoid posting too much information regarding your personal identity. Exposing yourself too much to the public is not advantageous. Do not cause a menace to your life.

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SEARCH ENGINES

Google

Check out Googles official guidelines for quality listings. They offer a re-inclusion request option that will give your business an opportunity to appeal if a listing is removed too.

In some other Google-related news that online businesses and business with websites might be interested in, they have Introduced a new Sitemap Generator

WEB PAGE TRANSLATION

This feature is particularly helpful if your search has non-English results. Google offers a facility to auto-martially translate a page for you in English. Currently, Google supports Italian, French, Spanish, German, and Portuguese

YAHOO

Last month, Yahoo launched the SearchMonkey gallery where searchers can go and add applications to their Yahoo search. Now, Yahoo is making three of those apps automatic for all users.

The yelp, LinkedIn, and Yahoo Local Searchmonkey apps are now set to ‘default on.’ The three apps have been part of a test Yahoo conducted where they set the app to default on for select users. Yahoo says they saw click-through rates increase as much as 15% as a result. Yahoo has also added a sharing feature with the apps, so you can email results to friends.

 SearchMonkey, which allows third party developers to develop applications for Yahoo’s search product,launched last spring.

 LIGHTSIDE

Practicing for a spelling bee the teacher asked, “Can anyone spell straight”?

Johnny put up his hand and spelled “straight” correctly.

“Great job Johnny, now do you know what it means”?

Johnny replied,  “Yes, without ice”.

INTERNET INFORMATION

False and Misleading Advertising
What’s truthful?  The FTC has attempted to deal with this question by establishing the following standards:

The intention to deceive is not what matters.  What matters is the perception of the public. The test of whether or not an ad is misleading will be based on the effect on the average or unsophisticated person.  Your advertising may also be deemed deceptive through omission or misleading implications.  The bottom-line, “just the facts, just the facts.”

One of the better web sites with links in regards to information,
Regulations;
Visiting the USA
Regulations for USA Residents
Travel Alerts, Restricted/Prohibited Goods
International Mail Imports
US Importing Requirements (starting an Importing Business, or
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Ports of Entry
www.customs.gov

Windows Logo Testing

When you’re installing a new piece of software on your computer, do you ever get an error message that says something about Windows Logo testing? The driver signing feature in Windows XP allows you to make sure that the drivers you are installing for any new program, device, etc. are actually compatible with Windows.

To do this, right click on the My Computer icon on your desktop and choose Properties. Click on the Hardware tab and then the Driver Signing button. You will see a little explanation of the Windows Logo testing at the top as well.

Next, you can choose how you want your computer to notify you about the testing. You can either have your computer ignore it and not notify you at all, you can choose to be warned with a prompt each time this comes into play or you can block it, which will tell your computer to never install an unsigned driver. Once you’ve made your choice, just check the button next to it and then click OK twice. From now on, your computer will obey your Windows Logo testing preferences and that makes everything just so much easier!

SBA GOVERNMENT WARNING

The U.S. Small Business Administration issued a scam alert today to small businesses, warning them not to respond to letters falsely claiming to have been sent by the SBA asking for bank account information in order to qualify them for federal tax rebates.

The fraudulent letters were sent out with what appears to be an SBA letterhead to small businesses across the country, advising recipients that they may be eligible for a tax rebate under the Economic Stimulus Act, and that SBA is assessing their eligibility for such a rebate. The letter asks the small business to provide the name of its bank and account number.

These letters have not been sent by or authorized by the SBA, and all small businesses are strongly advised not to respond to them.

FRAUD

Subscriber fraud is simply an offshoot of identity theft.

Someone steals your personal details and opens a cell phone account in your name, racking up huge bills that may land in your mailbox.

Stolen or lost phones

In the wrong hands they can be used to make unauthorized calls — one recent victim faced a $26,000 bill. They can also get your personal and contact details you may have stored in them.

 Loss of your phone can be just a prelude for costly identity theft. If you do store personal information, make sure your cell phone is password protected.

Eavesdropping

Remember they can listen in to your calls and download your phone usage records. They can even track your phone to know where you are or where you have been at a particular time. Perfectly legal software can be secretly installed on someone else’s cell phone, then the crook — or concerned person can dial in and snoop.

 They can listen to your phone calls, download copies of text messages and numbers dialled, or even just silently activate the phone and use its microphone to monitor any nearby sounds or conversations.  Keep your cell phone password protected and don’t leave it laying around where some one can get at it.

Be on the safe side, always switch the phone fully off so it can’t be activated when confidentiality could be compromised.

Never throw away ATM receipts, credit statements, credit cards, or bank statements.

Never give your credit card number over the telephone unless you make the call.

Reconcile your bank account monthly and notify your bank of discrepancies immediately.

Keep a list of telephone numbers to call to report the loss or theft of your wallet, credit cards, etc.

Report unauthorized financial transactions to your bank, credit card Company, and the police as soon as you detect them.

Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed.

If your identity has been assumed, ask the credit bureau to print a statement to that effect in your credit report.

If you know of anyone who receives mail from credit card companies or banks in the names of others, report it to local or federal law enforcement authorities.

New Internet Attack Via Parking Tickets!

Here is a new attack that just popped up on the Web.  Would you believe… parking tickets?  Huh?  How does that work? 

The crook puts yellow fliers on cars, explaining that the cars had been ticketed for a violation.  The flier lists a Web site where pictures of the violation are available. 

But to see the pictures, you first have to download a toolbar.  If you do, your computer will be infected with a Trojan called Undo, or Modder.

The Trojan throws pop-ups at you, claiming your PC is infected (which, ironically, it is).  It urges you to buy the fake antivirus program “Antivirus 360″ to remove the infection.

The crooks are endlessly inventive, so be on guard for anything unusual, peculiar or bizarre.  Too bad these guys don’t turn their efforts to more honest endeavours.  They could probably make a nice living.

Quick Way To Make $250,ooo

Microsoft, Symantec and other shave put up this money to anyone that can nail the guys behind the Conflicker – Downadu worm.  The worm has infected some 10 million PCs so far, and fear is there is more to come. Every day, the worm phones home for instructions to more than 250 servers around the world.

If one day the worm is instructed to download malware, it could create a large problem.  Researchers are focusing on this daily update feature, trying to disrupt and thus disable the worm.

Keep all your security programs up to date.  Run an antivirus scan every day.  Be careful where you surf, and think before you click, please.

USER FRIENDLY

Have you tried to join a freebie giveaway that requires you to have a User account?  Really frustrating when you try a dozen names, all taken, even when you try, “this is insane” and find it is taken too.

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Fraudulent attacks on your identity can cause injuries to your credit.  There are two tools available to shield yourself – security freeze and fraud alert.  Before selecting any one of them, you should know their comparative effectiveness.

Identity theft continues to threaten your credit and perhaps your entire financial life.  Now there are nationwide laws in place to protect you. You can now apply for a security freeze or fraud alert to make your credit report secured and difficult to access for identity thieves.

A fraud alert is an easy option for you to prevent fraud.  You can just call any of the credit bureaus requesting for such alert to be placed on your credit report. It will warn new creditors the possibility of identity theft on your account and would suggest them to take extra care while granting fresh credit in your favor.  It is like a red flag on your report.  You can make an initial request to apply fraud alert for 90 days.  If you want, you can extend it up to seven years.  You need not pay any fees while requesting for such an alert.

On the other hand a security freeze blocks your credit report totally.  No new creditor will be able to access your report and extend you any credit on that basis.  So it is highly unlikely that identity thieves will commit any new fraud with your credit report.  You are required to pay a fee while requesting it, but if you are a victim of identity theft, you can do it without any charge.  Such freeze can remain on your report as long as you want.  If you want to remove it, you need to pay some fees again.

If you make the comparison between these two options, a fraud alert is a less effective tool. It will not stop a prospective creditor from referring to your credit report or granting you fresh credit.  It will only give an indication that a creditor needs to be a bit careful and should contact you specifically before extending credit.  To the contrary, a security freeze will prevent any creditor to view your report in the first place.  So even if your social security number or other personal details are with identity thieves, they cannot open a new account to get new credit.

If you strongly suspect your personal details are compromised, you should go for a security freeze. It will give you peace of mind.

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Sometimes it starts with receiving a notice in the mail. In other cases, it may begin as a received phone call by a company claiming that you have an outstanding balance. The only thing that you are certain of is the fact that you have never done business with this company. Your suspicions are aroused and you phone your bank and check your credit report online. Suddenly you realize that you have been the victim of credit theft and fraud!

Credit theft and fraud can interfere with your personal life on a high magnitude once negative actions have been taken against your credit. You may find that you are unable to write a check at certain stores, have a sufficient enough credit history to rent that condo you always wanted, or receive financing to purchase your dream car. Thankfully, throughout the years, a great deal of emphasis has been put on the prevention of credit theft and fraud and how to prevent it. Once you’ve been victimized, however, what steps are necessary in order to regain what’s rightfully yours?

1. Collect Your Evidence. Print or request a copy of your current credit history from each of the major creditors. Notify them that you’ve experienced fraudulent activity and would like to place a fraud alert. This fraud alert is valid for 90 days. Get copies of notices from any businesses that are involved.

2. File a Police Report. Contact your police department and have them file a report. Be sure to have your ID ready, as well as all of the supporting evidence that you have now gathered.

3. Notify the FTC. If you have been a victim of identity theft, notify the FTC. This will allow the possibility of extending your fraud alert from 90 days to 7 years.

4. Make a File. Keep copies of all filed reports. Take written notes of whom you spoke to, what companies they represent, when, and what was said. Note any dates that you received or mailed any pertinent paperwork. Keep receipts for costs such as postage and fees incurred.

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