Question by Thomas P.: How will an initial fraud alert on my credit report affect my chances of getting a job? I want to initiate a fraud alert on my credit report because I believe I am at risk of identity theft, however I am reluctant to do so because I am currently looking for a job. If a potential employer does a credit history check on me, will this fraud alert on my credit report affect my chances of getting hired? Will this alert deter employers from hiring me?
Best answer:
Answer by src50 No, it will not affect employment.
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PBU-SIFE participated in “Making a Dent in Insurance Fraud,” an ethics case study competition hosted by Centenary College SIFE. Our team learned about the evils of insurance fraud and took action to expose them. Through our teaching, we hope to empower others with the knowledge necessary to avoid being a victim of this crime. PBU-SIFE was awarded the first place award for their presentation.
Recently, some fraudsters have sent a new scam email. They claim that you can win a big prize and asking you to give your personal information and follow their instructions to get the prize. Once you contact these “organizers,” they tell you that you have to pay a fee in order to transfer the money.
Another tactic is to ask you for your bank information so they can deposit the money in your account. You get deeper and deeper into the scam as the money supposedly gets closer and closer to your bank account. However, they always claim they can’t continue unless they get more money or more private information from you.
“Obviously, you should ignore any message like this. If you’ve been defrauded and have sent personal information or money to these scammers, you should assume that your private information has been stolen by criminals.” Sophia (www.epathchina.com) said.
“Here are two examples of the scam emails”, Sophia gave two emails in all to explain the scam emails in detailed. She said that these two scam emails were recently received by Wholesale Company ePathChina (www.epathchina.com), and the aim of publishing the emails by ePathChina is to remind everybody to be more careful of scammers.
The first scam email is like this:
The National Lottery Board
(Customer Services)
Ticket Number: 56475600545188.
Email:xxxxx@yahoo.com.hk
Dear Recipient,You were selected among lucky recipients to receive the award sum of £540,000 (Five hundred and forty thousand Pounds sterling) in the UK ONLINE DRAWS held on Sat 20th of June,2009. Please contact the Fiduciary Agent John Williams for Claims
E-mail Address:- xxxx@yahoo.com.hk ENTER PERSONAL DETAILS (Compulsory)
First Name: Last Name: Sex/Age:
Occupation:Annual Income: Address Line:
City: State: Zip/Postal Code:
Country: Valid Phone Number:
Fax (optional): Email:
On behalf of the Board kindly accept our warmest congratulations.
Yours faithfully,
Pedretti Roberto
(Information Officer)
And the second scam one is as follow:
UBS AG
Postfach 8098Z?ich
Switzerland
Swiss Clearing Number: 230
Postal Account: 80-2-2
SWIFT: UBSW CH ZH 80A
Web site: www.xxx.com
I am an investment consultant working with Bank UBS AG Zurich at their offshore department Zurich Switzerland . I will be happy to work this deal out with you if you have a corporate or personal Bank Account and if you are capable to keep TOP SECRET. I need strong Assurance that you will never let me down, if I transfer this money to your account.During one of our periodic auditing I discovered a dormant accounts with holding balance of US$ 232,000.000.00 {Two hundred and Thirty Two million US Dollars only}Sometimes a person will open a bank account, deposit money, and then disappear into the tin air. Banks are not always able to find out what has become of these silent customers, or to know whether they should follow up on requests from people who claim to be heirs to the accounts. The main problem is that the customer resides abroad and, due to bank secrecy, the bank cannot publish notices in the international press to locate the depositaries. This has led the majority of Swiss banks to refrain from opening small-deposit accounts for foreign customers; for fear that they will forget that the account exists.It has happened in the past, however, that customers pass away and their heirs can neither prove the death, nor their heir ship. This was a frequent occurrence during the wartime periods, and the banks have now set up a simple, rapid resolution procedure operating to their customers’ advantage.Dormant assets are defined as any assets deposited with a bank (i.e. an account, a custody account or a safety-deposit box) for which there has been no contact with the customer in the bank’s files for the last ten years or more.If you believe you have claim to a Swiss bank account for which the holder (e.g. an ancestor) has not been in contact with the bank for over ten years, there is a fairly simple procedure to follow, depending on the date the account was opened this account has not been operated for the past years. As at this moment, I am constrained to issue more details about this business until your response is received.If you are not familiar with Swiss Dormant Accounts and profile, please take a moment of your very busy schedules to read about Swiss dormant accounts: Website; www.xxxx.phtm
If you know that you are capable to handle large or small amount on trust and can keep secret and ready to take 40% of any amount I transfer to your account from the dormant account and I will take 60%, send the following information by return mail:{xxxxx@yahoo.co.jp}
Bank name… Bank address………………
Account no………………… Swift code………………..
Account name…………….. Beneficiary address………..
Your phone no……………. Your Occupation…
Age…………………….
Tell me more about yourself, while I look forward to receive the above information. I want to re-assure you that this business is risk free and you can send an empty account to receive the funds, provided that the account is capable to receive incoming funds.Thank you for your time and attention.
Warmest regards
Mr.Antony Masudu.
Contact me urgently via email privately for further details: {xxxx@yahoo.co.jp}
“If anyone who have received emails like this he must be careful”, Sophia emphasized, and she listed the correct solution thereof.
Do not provide sensitive information in an email, such as
Your social security number or tax identification number
Your bank account information and credit card number, PIN or security code
Information to identify you such as your mother’s maiden name, birth city or pet’s name
Moreover, forms requesting information within an email are typically a clear indication of fraud.
Do not click on links in a fraud email
Always remember that website address links can be forged. Do not click on any links listed in an email that you suspect to be fraudulent. We suggest typing the address from the link into the address bar at the top of your browser and pressing “Enter.” This way, you can ensure you’ll be directed to your intended Website destination and spammers can’t validate your email address.
Do not “Unsubscribe” from a fraud email
Do not “Unsubscribe” or “Reply” to be removed from any suspected fraud email. Many spammers claim to offer an “Unsubscribe” function used to actually confirm that your email address is valid and working in order to continue to spam you in the future.
What do I do if I receive a fraud email?
When it comes to email, you are in control. You can protect yourself by not providing any personal or sensitive information in a suspicious email. If you think you have received a fraud email or if you are unsure if an email is legitimate, you can check your account status.
Anyway, if you get an email or pop-up message that asks for personal or financial information, do not reply. And don’t click on the link in the message, either. Legitimate companies don’t ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company’s correct Web address yourself. In any case, don’t cut and paste the link from the message into your Internet browser; phishers often make links look like they go to one site, but actually send you somewhere else.
Counter-419 expert Brian Wizard (www.brianwizard.com) talks to Barcelona-based art critic Jeffrey Swartz about the 419 e-mail scam. See his website for more information on internet and other financial scams. The exhibition 419, or “THE SPANISH PRISONER”, curated by Jeffrey Swartz with a video installation by artist Pep Dardanyà, travelled to Vic, Girona, and Barcelona’s Centre d’Art Santa Mònica in 2007 and 2008. More at Jeffrey Swartz’s website: www.barcelonaculture.com Video Rating: 4 / 5
Question by Burton: How will a fraud alert on my credit report affect financing a new car? I plan on buying a new car within the next month or so. I recently received a notice that I now have a fraud alert on my credit report and the Equifax was going to send the same to the other 2 bureaus.
How will this affect my obtaining financing through my bank and various other lenders?
Best answer:
Answer by johnnysunshine11 You probably wont notice a thing other than the lending agencies will call you to seek your approval to pursue checking your credit.
Know better? Leave your own answer in the comments!
Fraud detection and prevention ? why software is key
Even the most optimistic of your employees is likely to concede it has not been an easy twelve months.
Sales are down, the UK economy is in debt and unemployment is rising. In hard times, how far would a depressed employee go? Would one of your workers commit fraud?
Research from the UK’s fraud prevention service CIFAS suggests an economic slowdown and a rise in fraud certainly go hand in hand, with a 40% increase in people being falsely impersonated last year compared with 2008.
Worse for the business, half of the 2,000-plus employees surveyed by consultant Ernst & Young in 2009 thought that one or more types of unethical business behaviour was acceptable during a recession!
The implications for your business are clear: when the economy is in turmoil, the risk of employees committing fraud is likely to increase. You and your executive colleagues must take steps to protect the firm against potential exposure.
Your first priority should be implementing technology that can help combat errant behaviour. And specific software systems, such as spend analysis and document management, are key to fraud detection and prevention.
Companies looking to understand the direction of cash must understand who is being paid and when. Analytics will help you identify which employee is acting in an unusual manner.
Accidental errors – such as billing mistakes and invoice miscalculations – can be seen. And taking a strong stance on spend management will also allow you to track and trace potential weak spots that could provide a loophole for fraudsters.
Document management is also key for fraud prevention. Electronic capture of documents will mean the business will be able to preserve the integrity of its evidence and documents cannot get altered, shredded or mysteriously ‘lost’.
Invoices, orders and other financial documents can be imaged, securely stored and all interactions with the imaged documents are recorded which creates an audit trail, meaning the opportunity for an errant employee to cover their activity is significantly reduced.
The economy may well be improving but times remain hard for many, making employee fraud a real risk. Finding the right technologies for fraud detection and prevention are therefore vital, from spend analysis and document management systems through to expense management and time and attendance solutions. The time to act is now.
Mark Thompson is managing director of COA Solutions. Mark trained as an accountant before joining the business software industry with roles at Olivetti, Multisoft and Tetra. In 1996, Mark joined COA Solutions, moving rapidly to sales director and then, managing director in 2002. Mark oversaw COA Solutions’ rapid expansion as turnover grew from £12m to £60m. Mark led COA Solutions into negotiations with Advanced Computer Software Plc (ACS Plc), where it was acquired for £100m.
