Wisconsin’s No Call List: Unlike the National Do Not Call list, where you need to submit your number just once to get onto the list of numbers that telemarketers can’t call, state no-call lists aren’t necessarily in effect forever. Such is the case with Wisconsin, where the list expires every two years. According to WEAU News 13, thousands of people have dropped off the state’s list since January. Those who sign up for the free service before June can make it onto the July 1 list, so if you live in Wisconsin, call 866-9-NO-CALL or click here to get your number back on the no-call directory. Fox 11 News reports that the list is updated quarterly, so if you don’t sign up by this Sunday, it’ll be a few more months before you can make sure you’re on the list.

DMV’s Do Not Smile Policy: According to USA Today, four states have now adopted policies prohibiting smiling in your driver’s license photo. Arkansas, Indiana, Nevada and Virginia are combating identity theft and driver’s license fraud by putting this policy into place, and others might follow suit. Why the lack of mirth in the photos? The states have new, high-tech software in place that compares new license photos to old ones in an effort to stop people from assuming others’ identities. But the software doesn’t work as well if the faces in the photos have anything but a “neutral” expression… after all, we look different when we smile. Other states claim that their software works just fine with or without a smile, but the reality is that facial matching software would, by nature, be far more accurate if the faces had the same expression. So far, 31 states use some version of this technology, and in Illinois alone, the system has stopped 6,000 people from getting fraudulent licenses since 1999. So if you go to the DMV, don’t get too annoyed if they tell you not to smile… Protecting your identity and decreasing the incidences of driver’s license fraud are worth it.

Tired of junk mail in your mailbox? Want to be placed on every Do-Not-Call List possible, and keep those lists updated? Want to aid in the fight against email spam? Then sign up for the Privacy Council’s List Removal Service. A small monthly charge ensures that your name is removed from all major marketing lists, and that your name is KEPT off those lists. Sign up now!

First, the stuff you already know. Swine Flu is spreading. The virus originated in Mexico and has since spread around the globe, with UPI reporting at least 148 cases worldwide and an increased alert level from the World Health Organization (up to a level 5, which is the highest it’s been since the 6-level system was put into place in 2005). Nearly 100 cases were reported in 11 U.S. states as of this morning, 51 of which are in New York. According to Bloomberg.com, the government has begun to warn of school closings and increased precautions (in Texas, several school districts are already closed, and high school sporting events have been canceled for more than 1 million students). Many deaths in Mexico are blamed on Swine Flu, though the exact number is something of a mystery. Drug companies are working on vaccines and stepping up production of antivirals, and everyone is bracing for the next announcement about how this disease is spreading. So if you weren’t taking it seriously before, it might be time to start. Like a virulent computer bug, this one spreads best via those who don’t take the right precautions to prevent it.

There are ways to protect yourself and your family from this virus. It is, after all, the flu, albeit a new and particularly brutal strain. Five to 20 percent of Americans catch the “regular” flu each year, and 36,000 Americans die from it, so while hospitalizations and deaths are expected from the Swine Flu, we can’t pretend that it’s causing the only flu-related deaths we’ve ever experienced. And since the Swine Flu spreads like the seasonal flu, hand washing, healthy living, good hygiene and a measure of caution are excellent precautions against catching it.

You know how we always remind you not to click on strange links, open files that are attached to strange emails, or give away your sensitive data to strangers? And how we encourage the use of anti-virus software to keep your files safe? That sort of common-sense behavior works the same for avoiding the flu: Don’t touch something if you don’t know where it came from or how clean it is, minimize contact with others, and keep your own hands as clean as possible.

Here are some flu-prevention tips from the Centers for Disease Control and Prevention (CDC) and others: Wash your hands with soap frequently, and encourage your family to do the same. Don’t shake hands with others or touch surfaces (such as desks, public phones and other communal surfaces) if you can help it. Avoid being in the proximity of anyone with a cough or sneeze, especially those who don’t bother to cover it. Cover your own coughs or sneezes with a tissue, and wash your hands after you cough or sneeze. Don’t touch your face, eyes, nose, mouth, etc. since viruses spread very easily through contact with the face. Take care of your overall health by eating right, staying active and getting enough sleep. And of course, stay home if you start feeling sick, and keep kids home from school if they start showing symptoms.  

What should you do if you DO have symptoms (which include a fever, cough, sore throat, headaches, body aches, chills, fatigue and occasionally diarrhea and vomiting)?  Stay home, get rest and drink plenty of fluids. Antivirals, available from your doctor, can help take the edge off the worst of it and help you get better faster. But if you or your kids start having difficulty breathing, or if you have confusion, dizziness or persistent vomiting, get to the hospital. This is not something to mess around with.

Be cautious, be safe, and keep washing those hands. And next time, we’ll be back to our usual tips on protecting your privacy and the environment, including signing up for the Privacy Council’s List Removal Service. You know, the one that takes you off the major marketing lists and cuts your junk mail to almost nothing… Feel free to sign up now while you’re thinking about it, and stay healthy!

1. Your home – If a wedding announcement is in the newspaper, it essentially tells thieves that the houses belonging to the happy couple, their parents, and other people mentioned in the announcement will be empty during the ceremony and reception. After all, everyone will be celebrating the nuptials. Consider asking a friend or neighbor to watch or sit in the house while you’re gone, just to be safe. If you don’t know anyone who could do the job, local off-duty police officers are sometimes available for a fee.

2. Your email, phone number and postal mail – Wedding planning can mean filling out registries, signing up for offers, going to bridal shows, joining websites… As you navigate the maze of available resources and information, make sure you don’t fill out any requests for your address, phone number or email without knowing how the information will be used. Some contests, vendors and websites will take your information and resell it to third parties who will then use it to bombard you with unwanted communication. If there’s a “send me information” box, make sure it’s not checked. If the fine print says that the company or website can sell your info, don’t give it to them. The odds of winning that honeymoon in Hawaii are far less than the odds that your inbox will be slammed with spam.

3. Your impact on the environment- Many brides are beginning to use electronic invitations, or e-vites, to invite friends and family members to the big event. Since e-vites don’t use paper, they’re far more environmentally-friendly than embossed, gilded paper invites. And they cost little to nothing, unlike paper invitations. If you want your wedding to be as green as possible, e-vites are the way to go. Use a search engine to find one of the many e-vite providers that will work best for you (note: you might want to follow up with phone calls for guests who don’t reply to the e-vite, in case their spam filters are set at high security levels).

4. Your identity- The e-vite idea is great for Mother Earth, but you should probably stop short of posting all of your wedding info on a public website or forum. Many brides create entire websites devoted to their own weddings, but this can backfire significantly. The more you put out there for anyone to see, the easier it is for thieves to steal your identity.

Think of it this way: If you post that Betty Smith is marrying Bob Brown on April 3 in Betty’s hometown of Redbud, IL, and you mention that the couple’s beloved dog, Skipper, will be in the ceremony, and you include the detail about how the bridesmaid’s dresses are Betty’s favorite shade of purple, and you gush about how the couple is so perfect for each other right down to their June birthdays being just a week apart, then you’ve just given thieves almost everything they need to hack a bank or email account. Most sites use security questions such as pet’s name, hometown, birthday, high school mascot and favorite color, all of which were just posted on the wedding website. If you must post information about a wedding to a public site, keep the info as vague and short as possible, and don’t include details that can be used by identity thieves.

5. Your gifts (and your guests’ identities) - When you get married, you get presents. LOTS of presents. And many of those come in the form of personal checks written out to the happy couple. If you’re having a wedding and you receive checks in advance, deposit them as quickly as possible so that they don’t sit around the house to get lost or accidentally thrown out. During the ceremony and reception, have someone appointed as a “gift monitor” to collect and keep watch over the checks and other gifts you receive. That will help minimize the chance that an uninvited guest could attend your party and find a way to slip checks or other small items into his or her pockets. A check stolen by a thief can sometimes be altered and rewritten for a larger amount and to a different recipient, which would create a big banking headache for the person who originally intended to give the check to the bride and groom.

If your ceremony or reception is held in a public place (restaurant, convention center, etc.), you might consider making an announcement telling your guests not to leave their purses or wallets unattended. In a venue where anyone can wander in and pretend to belong, the chance of theft can go up. No one wants to arrive to a wedding as a guest but leave as a victim.

Maybe celebrities do it right when they keep their weddings secret until AFTER the fact! But for the rest of us, a measure of caution and thought in planning for weddings can protect our privacy, our possessions, and our planet.

Don’t forget to sign up for the Privacy Council’s list removal service… Start your life together on a junk-mail-free note!

Recent reports indicate a rise in text message phishing. Phishing, for those not in the know, means sending messages that claim to be from banks or other financial institutions and which use fear and urgency (”Your account will be closed immediately unless you respond”) to try to trick victims into giving up their sensitive information. Cell phone text messaging had already become an avenue for spam messages, which are annoying but not particularly dangerous from an identity theft perspective. Now, the combination of spam texts and illegal intent has led to a rise in text messages that try to provoke a response. The response that the phishers want contains your Social Security number, bank account number or other private information. It’s the same old thieves wearing a newer, cooler costume.

The most recent major text-message phishing scam was reported nationwide just a few weeks ago. In this particular effort, phishers sent untold numbers of bogus text messages, claiming to represent U.S. Bank. The messages said, “Dear US Bank member, your account with us is closed due to unusual activity, call us at [number withheld].” The recipients represented customers of various cell phone providers and were not necessarily U.S. Bank customers. Like many email phishing schemes, this one had a broad scope in the hopes of getting a few victims to nibble at the bait. It’s difficult to know how many people fell for the scam, but the three return phone numbers that were known to be used in the phishing texts have been shut down by the state.

Banks, meanwhile, must now work to make sure that customers who benefit from their mobile banking services aren’t burned by the same technology. U.S. Bank issued a statement shortly after the phishing attempts were reported, reminding account holders that U.S. Bank does not request sensitive information via email, phone call or text message. CIBC, the Canadian Imperial Bank of Commerce, is one of many financial institutions providing additional information online about phishing, including ways to check for an email’s legitimacy and ways to report fraudulent communications. Most banking websites include safety and security information for consumers, even if consumers don’t always read or heed the warnings.

The advice, of course, has been heard before: treat suspicious texts the same way you treat suspicious emails. Don’t reply, don’t call any phone numbers listed, and don’t go to any websites suggested in the message. If you do receive a message claiming to be from your bank, call your local bank office or a trusted customer service representative (using a number you already know to be valid) to investigate the issue. Remember, no bank is immune to being used as text-phishing bait (Oregon-based Bank of the Cascades was used as a phishing front several months ago, for example, so scammers aren’t limiting their phishing efforts to national banks), and no cell-phone-toting consumer is immune from the potential attack.

If you still have doubts about mobile banking, you can elect to discontinue it entirely. As IdentityTheft.com noted, mobile banking has many pros (including ease of use, free updates and no account numbers sent in text messages), but it also has many cons (including potential lack of encryption, lack of security and lack of anti-virus software in some phones). The site notes that the technology is still fairly new and untested and suggests asking both the bank and the cell phone provider about the security of the systems used before signing on for mobile banking, just in case. When in doubt, consumers can just skip the mobile updates and do their banking the old-fashioned way (well, as old-fashioned as “online” can be). That way, ANY text messages that claim to represent the bank can be known as fraudulent the minute they arrive on one’s phone.

Sources for this article: Minneapolis Star Tribune, CIBC, IdentityTheft.com, ConsumerAffairs.com

The way it usually works is that the criminals use the child’s Social Security number to open lines of credit; after all, that number is all that’s needed to steal an identity. The crooks eventually leave the child’s credit history in shambles. The child probably won’t know any of this, however, until he or she decides to open his or her own credit line as an adult, at which point the credit report will already show the damage (which might have accumulated over 10 or 15 years). In short, the child begins his or her adult life with lots of debt that they had nothing to do with acquiring. Not a great way for a child-turned-adult to start experiencing grown-up finances! Other ways that this problem can materialize before adulthood include collection agencies calling or sending letters regarding accounts that the child allegedly opened, or even a 16-year-old being told at the Driver’s License office that another license already exists with their Social Security number.   

It’s hard to tell how widespread this problem is, since most identity theft reports don’t track it. “We don’t ask for age in our identity-theft surveys,” said Claudia Bourne Farrell, spokeswoman for the Federal Trade Commission (as quoted in the Dallas Morning News). “Our self-reported, anecdotal data indicates that about 5 percent of the complaints last year were for people 18 and under.” It’s possible that the actual number of identity thefts involving children is higher, since many victims don’t learn about and report the theft until they are no longer minors.

Shouldn’t the credit card company know not to give credit to someone who is using a minor’s Social Security number? Not necessarily. Credit issuers don’t usually check the age of applicants for accuracy. It’s difficult to verify things like age on a credit application, so much of the information given on those applications is simply assumed to be correct.

So how can we protect kids from identity theft? The responsibility lies, of course, with the parents. First, parents need to make sure that all sensitive documents concerning their children (such as Social Security cards) are filed away safely and securely. Parents should never carry those numbers around with them. If anyone asks for the child’s Social Security number, the parents must ask why it is needed and whether another piece of information can be substituted.

Second, parents need to be vigilant in protecting the child’s information; for example, if they open a bank account or college fund for their child, they must tell the bank to remove the child’s name from any mailing lists. 

Third, the parents must be observant and watch for the possible signs of identity theft, such as the child receiving credit card offers in the mail (some of these offers are just age-unaware marketing, but they can also be indicative of something far more sinister). If the child does receive such offers, or if parents simply want to be thorough in their protection, they should check their child’s credit report to make sure there’s nothing on it. This doesn’t apply if, for example, a parent puts a teenage child on their credit card for spending purposes, but in general, minors don’t have a credit history because they don’t have any activity on their record.

If a parent looks into the child’s credit history and actually FINDS activity, what should he or she do? First, ask to have all of those fraudulent accounts removed from the report. This may mean going through the dispute process with the credit companies. Once the credit issuer learns that the account is in a minor’s name, they will usually cooperate with fixing the problem. Also, report the identity theft to all three of the credit reporting bureaus: Experian, TransUnion and Equifax (for Equifax, you can write directly to their Minor Child Department at P.O. Box 105139, Atlanta, Georgia 30348).

The ideal situation, of course, is to prevent any problems before they arise. Aside from the need for parents to be vigilant in protecting their children’s information, parents must also teach children not to give out sensitive information online or over the phone. Children frequently don’t grasp the importance of maintaining privacy and security, especially when it comes to information that they don’t entirely understand. When I was 13, I knew my Social Security number, but I also probably would have told anyone who asked me what it was. I didn’t know how important it was to my financial future. I’m just lucky that no one ever asked.

Side note: Sometimes, the parents are the ones who steal the child’s identity. Contrary to popular belief, this is not a case of family law. If you know or suspect that someone is using their child’s identity for credit purposes, report the case to the police immediately. A police report is necessary for credit companies to take the case seriously. Cooperate with any investigation, as well.

Sources for this article: The Dallas Morning News, FraudGuides.com, ConsumerAffairs.com, Identity Theft Resource Center

Experian, one of the three main credit bureaus, says no. They filed a lawsuit against LifeLock in February, claiming deception and fraud in the attention-grabbing advertising campaign. Davis calls the lawsuit groundless. Some of the details of Experian’s claims:

1. Fraud alerts, which notify companies that check credit to be on the lookout for imposters, are LifeLock’s main fraud prevention tool. Under the Fair Credit Reporting Act, fraud alerts be requested only by an individual, either the consumer or someone acting on the consumer’s behalf, not by a corporation. They can also be requested only when there is a strong suspicion of impending fraud or identity theft (say, when your credit card goes missing). LifeLock, however, has placed continuous fraud alerts on the credit files of its approximately 1,000,000 customers, which is against federal law, Experian claims. They say that LifeLock pretends to be the consumer and actively avoids detection as a corporation. They also maintain that this constant “crying wolf” ties up the Experian systems and slows the process down for legitimate fraud alerts.

2. Experian also claims that LifeLock uses deceptive advertising because credit reporting is free under the Fair Credit Reporting Act, but LifeLock does not make it clear to consumers that the credit reports (and many of the other services, such as junk mail reduction) are free to obtain through other means. Experian also charges that the advertising is deceptive because the service does not afford all of the protection it claims; it cannot prevent an identity theft in progress or the unauthorized use of a credit card, and is not always effective in preventing undocumented workers from using stolen Social Security numbers to get a job.

Davis counters the first claim by saying that placing fraud alerts is legal and “in the spirit of the Fair Credit Reporting Act.” He notes that LifeLock customers are happy and satisfied with the service, and that he had received no complaints of deceptive practices. He addresses the second claim by saying that his service makes it “virtually” impossible for someone to steal a client’s identity (the word “virtually,” he says, keeps the ads from being deceptive).

It should be noted that the fraud alerts do cost the credit bureaus time and money to run, which they don’t appreciate, obviously, but may not be as illegal as they claim. Experian is also under investigation by the FTC for running www.freecreditreport.com, a site that charges customers for credit monitoring and could be considered a competitor to LifeLock. Davis suggests that Experian simply wants to make more money and sees LifeLock as a threat.

As to the reports that Davis’s identity WAS stolen, the reality is that it was not. One man got a $500 payday loan using Davis’s Social Security number, but the clerk who took his information did not run the number through any of the credit bureaus for verification before handing over the money. Once the fraud was discovered, LifeLock fixed it, and Davis’s credit is just fine, even after 87 other, failed attempts to steal his identity.

LifeLock is not the only company that offers its services to consumers (see also Debix, LoudSiren and TrustedID). But as of this month, LifeLock had become the target of several class-action lawsuits from competitors, credit bureaus and lawyers in several states. LifeLock an easy target, thanks to its memorable and slightly scary advertising. But many experts doubt that the lawsuits have any merit, and interpreting the Fair Credit Reporting Act might easily go in favor of LifeLock (especially since many people have been potentially compromised when their personal information has gone missing from the computers of companies, banks and other agencies, so they’d have reason to put fraud alerts on their accounts).

Wired Columnist Bruce Schneier makes the point that LifeLock does what the government should do anyway: make stolen personal information harder to use. That said, though, he is not a customer of LifeLock because, as he puts it, dealing with identity theft is routine and not nearly as damaging as it used to be. Also, it’s hard to tell how effective LifeLock is, since it gains customers more from the fear of identity theft than the theft itself.

In the end, LifeLock can be a very useful and reassuring service if you choose to pay for it, but you can keep track of your own credit and identity yourself, for free. You can put your own fraud alerts on your account if you remember to renew them every 90 days (since fraud alerts expire). You can request free credit reports at one per year (visit www.annualcreditreport.com, for example). And of course, above all, you should be careful with your personal information. Shred credit card offers and other documents that come to you in the mail; don’t give out your personal info over the phone or in email; and investigate unknown charges to your accounts. Being a conscientious consumer may be all it takes to protect yourself from identity theft and fraud.

Sources for this article: MSNBC, LifeLock Reviews, WIRED