Search This Blog

Tuesday, September 06, 2005

Katrina and Potential Identity Theft

We stayed quiet this past week in the aftermath of Katrina. I felt it was time to take a backseat to this natural disaster of epic proportions and let the bloggers who could, provide online aid and assistance. We’re back now, and the emphasis is on the numerous ways your personal data can be breached and you could fall victim to identity theft from the storm.

This is directed not only to residents of the New Orleans area, although one might wonder if they are even connected to the Internet, or if they care about cyberspace at this point, but to anyone doing business with a firm located in the disaster area. We’ll start with…what kind of personal information is in their files relating to your household?

As an example, you could have just moved to Arizona, selling your home in New Orleans. Local mortgage offices are one of the largest repositories of personal data in the country with everything from your IRS returns to your complete credit report. There are also records in the realtor’s office that sold your home. Most of these records are on paper and could have been strewn anywhere in the disaster zone. And then you might live in Vermont and have your life insured by a New Orleans company or have your auto insurance with a large firm that has regional offices in the area.

Of course, the banks have a carload of personal information if you bank and do financial investments in one location. Hopefully, most of this data is computerized—although there is always the paper trail used for input—but this isn’t even secure from determined looters and ID thieves.

If one is able to break into the Tucson, AZ, CardSystems Solutions computers and access 40 million debit and credit-card accounts, they are probably qualified to mount an assault on unmanned equipment, possibly unsecured, definitely not protected, and physically steal the data, no matter what form it is in. Folks, this is just how organized identity theft is, and my perception is that the planning phase began about the time Katrina passed over Florida into the Gulf and began to gain strength heading toward the Big Easy.

The last collection facility I can think of right now that could be effected in the disaster area is the smaller, local credit bureaus used regularly by the realtors and mortgage companies. A treasure trove of private information is here just like it is in the big three: Equifax, Experian and TransUnion. If the mortgage company pulls your credit report, it is probably produced at least once on paper.

Just where is all this paper or other structures of data now? The obvious answer is, I do not know, but suspect that at least some of it is in the hands of some pretty sophisticated data thieves. If I am wrong, I apologize for being the alarmist, but doubt if this is an inaccurate assumption. Some may think it is farfetched but so did we, when the bad guys were getting our private information from ChoicePoint, LexisNexis, TimeWarner, Bank of America, and the list goes on.

So what do we do about it? In Louisiana and Texas, you can freeze your credit report so that no transactions can take place without your knowledge. Go to Bankrate.com for instructions on how to follow this procedure, and all the states where it is available. It is not offered in Mississippi or Alabama. Louisiana allows you to do this without any breach of your personal data; Texas requires that you be an identity theft victim already. My gut feeling is there will be some waiving of the latter with the credit reporting agencies in response to Katrina’s havoc.

Otherwise, systematically check your credit report in stages that will thwart the ID thieves, starting with your FREE report. They are available in all states now. Request the first report within the next couple of weeks. Get the second, which you will have to pay for, thirty days later. Wait another thirty days for the third. This is only if you are affected in some way as mentioned above. Go to AnnualCreditReport.com for instructions and each paid report will cost $9.50, regardless of the credit bureau you use.

You can also call a toll-free number: 1-877-322-8228 for the report.

The local, state or federal authorities do not have the time or resources now to help in this matter. You must bear the burden to protect yourself from identity theft. If you haven’t already accessed your free credit report, your investment is only $19.00, an amount well-worth spending to prevent thousands in legal fees to get your personal identity back.

52 comments:

credit6sec said...

great content!
Visit my site too, relating to debt consolidation opportunities site. It deals with debt consolidation opportunities and other related stuff. Check it out if you get time :-)

Quit Smoking said...

Hi, I was just looking around some blogs and checking different templates for ideas. Good blog with a nice template. I can start my own blog on ebooks thanks to your blog. I will visit weekly by the way. Like your ideas.

ebgcommute said...

Hey, interesting!
Visit my site too, relating to christian debt consolidation site. It pretty much covers christian debt consolidation and other related stuff.
Check it out later :-)

heropoo said...

Hi i am totally blown away with the blogs people have created its so much fun to read alot of good info and you have also one of the best blogs !! Have some time check my link of credit card reward.

Anonymous said...

Wow, I think I just found a valuable resource in your blog. I'm just getting started with web sites, if you get a chance, can you maybe take a look at mine. It's kind of a second effort texas mortgage site located at texas mortgage . I know I can do better with practice. Again, love this site!!

startonline said...

Your blog is excellent - keep it up! Don't miss visiting this site about business credit card. It pretty much covers business credit card related stuff.

Anonymous said...

You've got a very informative blog.

I've gotten some good information here, so I've bookmarked your blog and will return often for the latest. If you have time, check out my card credit debit help site.

Anonymous said...

I like your blog - good info. If you don't mind, I'm going to bookmark and link to it. I have a simple canadian credit free report website with canadian credit free report related stuff. Check it out!

Anonymous said...

Cool blog you have about free credit report canada. I have a free credit report canada related site. Check it out if you get a chance.

harvey3 said...

Blogarama that is good stuff nice one I have a blog too also I have a website dedicated to helping people with their debts, mortgages,student loans plus much more all FREE info free debt reduction plan Take a look around it may help you in some way free debt reduction plan

Anonymous said...

Very cool blog you got! I just added you to my bookmarks!

I have a great article resource you might want to check out.

Cocotine said...

Hi,
Found your Blog by chance - Great Stuff.
If anything relating to debt problem interests you, please drop by at debt problem.
You'll find some good information.

Anonymous said...

Debt Consolidation through a Non-Profit agency is the easiest way to lower your monthly expenses and save you thousands of dollars in finance charges. debt reduction credit card consolidation debt reduction credit card consolidation Not to mention when you consolidate you will only have one single monthly payment for all of your credit cards and loans.

De Post Man said...

Nice post. I also have a site talking about credit related issues http://mortgage.27days27gurus.com/ . Take a look if you have time. credit card consolidation

blaze said...

Great site. I am very interested in consumer credit union kalamazoo and have also tried to set up an informative site about consumer credit union kalamazoo please feel free to check it out and make any suggestions.

Anonymous said...

Debt consolidation can get you out of debt forever! Debt Consolidation You can also work at home or credit repair and you can still consolidate debt consolidation and you will also like work at home

Anonymous said...

Hey, you have a great blog here! I'm definitely going to bookmark you!

I have a BAD CREDIT CREDIT CARDS site. It pretty much covers BAD CREDIT CREDIT CARDS related stuff.

Come and check it out if you get time :-)

Anonymous said...

great blog on identity theft and fraud I have abolg on the subject here identity theft and fraud

mwcart said...

Super blog you have. Did you know you can find information about Chase Credit Card
at Chase Credit Card
. Check it out if you have a change. I'll be sure and visit your blog again.

TechDown said...

Super job on the blog. You should check out Alberta Student Loan
to get great info on Alberta Student Loan
. Keep on blogging.

editor said...

Superb Blog, well done.
Here an interesting Site regarding:
Debt Consolidation, Debt Consolidation information, Personal Debt Consolidation, Debt Settlement

Anonymous said...

So you need a fast loan uk unsecured

Get a fast loan uk unsecured at Easy Loans UK

Mortgage Center said...

Hi, Thanks for your interesting blog. Keep up the great work! I also have a site & blog about mortgage calc, please feel free to visit.

Credit Center said...

Hi thanks for your blog, I liked it! I also have a blog/site about credit cards for bad credit that covers credit cards for bad credit related stuff. Please feel free to visit.

credit score said...

thanks for the info

online credit report said...

does this work

Car Loans Home said...

Hi Thanks for your interesting blog. I also have a blog/site, covering baltimore car loan
related stuff. Feel free to visit my baltimore car loan
site.

Mortgage Center said...

Hi Thanks for your interesting blog. I also have a blog/site, covering mortgage payment calculator
related stuff. Feel free to visit my mortgage payment calculator
site.

daniel said...

All I can say is WOW! The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on card credit paid pre. I have literally been on-line for 2-3 hours doing research. Even though your blog really isn�t on the same page as card credit paid pre I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at http://www.credit-card-workshop.com. I update my site very frequently. Again, great job blogging and I will be back again soon!

credit report said...

thanks for the info

equifax credit report said...

thanks

Debt Resources Services said...

Many reputable debt management companies can help you deal with your debt problems. You can work with a credit counsellor to create your own plan to pay off bills.
If your site is of similar interest contact me and link sites.
Debt Resources Services.

Debt Resources Services said...

If you struggle with bad credit, credit card debt, or are facing bankruptcy, our bankruptcy/dect counselling resources can help you understand your finances better and help you improve your financial standing. If your site is of simmilar interest contact me and link sites.
Debt Resources Services.

Your Student Loan said...

Ich sch�tze die ganze Hilfe, die ich empfangen habe.Best Wishes, Keira consolidate loan student

Anonymous said...

Realmente avete fatto un buon lavoro su questo. Mantengalo in su!So long, Henrietta national student loan clearinghouse

Anonymous said...

Su no la cosa m�s f�cil a hablar, pero su digno de ella.Aloha, Sheron student loan consolidation - how does it work

Anonymous said...

D'obtenir rien n'est subsistance vous ce que vous voulez.Genuinely, Jannet student loan consolidation service

Car Loan Home said...

Hi, Thanks for your interesting blog. Keep up the great work! I also have a site & blog about car loan application
, please feel free to visit.

Anonymous said...

Hi, I was looking for information in reguards to the new bankruptcy laws
on and read your site. Not exactly what I needed but it
drew my attention. Many people get into trouble with and the new
laws may not help them the way they expect. Anyway thanks for the read.

Anonymous said...

I was looking for information on , trying to find information
in reguards to the new bankruptcy laws and read your site. Although
not exactly what I needed it caught my attention. Many people get into trouble
with and the new laws may not help them the way they expect. Anyway
thanks for the read.

STICKYBOI said...

I believe the morale answer to money problems lies with debt consolidation

Anonymous said...

No deposit offered from mate bankrolls free cash for start play for madagaskar and finland players.
Teraz najwięcej bez mozliwości depozytu obwych i darmowy free roll code password. Vulcan poker i Titan to potentaci gry w liczebności nijakiej i jakosciowej.
Odbiur poker bonus jest wskazany dla przykładowo inne platformy karcinej w promocji omaha no limit albo zawzięcie bierz darmowy bonus dla większych i mniejszych zielonkawych bonusów w te turnieje.
Muszisz sobie zdać sprawe że poker jest dojrzalszy gdy świeci słońce. Zatem bez depozytu jest wiele promocji party poker i full tilt.
Można sobie wyszukać co dziennie darmowy "bez depozytu" freeroll na wyszukiwarcze online.
Zatem nie czekaj na zbawienie graczy tylko zapobiegnij utracie punktów, sa bardzo cenne w wyszukiwaniach online.
wytnij z tego to co najpope w poker to zabawa w kotka i mychę online zabawie i wyszukiwarka freeroll jest w twoim zasięgu.
Nie przezywaj i jedz za darmo dalej i bliżej.

Anonymous said...

Bonus soft bez depu, free promotion poker promocje ok should not be used as your instant zupka bez wkładu $50 poker online. Odbierz sw&oa cutr&oac ute;w bez free fepozytu
Online proprietary secrets. poker signup bonuses is very very easy to claim and we have to be. Way meke made poker withets all possible.
Victor Chandler oferuje sign up bonus instant. said as well done. Earn some money free very basic , wow i said and how horrible tor they were early.
Also had some comments Online poker all money spend for possible free Starting Capital as getting blow out for new users - all possible $50 bankrolls :)
anonymouse sign up poker bakroll and don't know how and should poker not be used how get no deposit free signup poker bankrolls & bonuses.
Great day, sorry if spam. Now you must be very basic poker free bonus carefull and sponsorship is your's.
Next poker padfg have those instant poker bonus - Poker online no deposit $35 bonus promotion.
As a friendly proprietary secrets. or awesome online user be nice for peple.poker bez depozytu bonus free Take the time you use it.

Anonymous said...

Good poker sponsorship and free blog rules.Potential Identity poker Thef
As alvaysdfs welcome.

pedro velasquez said...

Identity theft is a crime in which an imposter uses a victim’s personalsportsbook information, such as a Social Security, credit card or driver’s license number, to pose as the victim and commit fraud. Most often identity theft is a way to illegally obtain credit, buy merchandisebet nfl and services, and/or hide behind an alias.
There are two basic kinds of identity theft. True name identity theft means that the thief uses personal information to open new checking and/or credit card accounts, start cell phone or cable service, or even rent an apartment.http://www.enterbet.com Account takeover identity theft means the imposter has gained access to a victim’s existing accounts.

Stivel Velasquez said...

On August 29, Katrina's storm surge caused 53 different levee breaches in greater New Orleans submerging eighty percent of the city. A June 2007 report by the American Society of Civil Engineers indicated that two-thirds of the flooding were caused by the multiple failures of the city's floodwalls.[34] Not mentioned were the flood gates that were not closed. costa rica vacation rentals The storm surge also devastated the coasts of Mississippi and Alabama, making Katrina the most destructive and costliest natural disaster in the history of the United States, and the deadliest hurricane since the 1928 Okeechobee Hurricane.
http://www.meadbrown.com

kimberly sayer said...

CardSystems Solutions was a credit card processing company. In June 2005, the fact that 40 million credit cards had been stolen from CardSystems was discovered. This led to the discoveries that CardSystems had been keeping data in unencrypted form that it was contractually obligated to delete, and that its own network was vulnerable to infiltration by hackers.costa rica fishingVisa and American Express subsequently dropped it as a credit card processing company. CardSystems was acquired by Pay By Touch. The buyout was completed on December 9, 2005. In March 19, 2008, Pay By Touch shut down
http://www.fishingcostaricaexperts.com

pedro velasquez said...

Know of any loved ones who've been effected by Sportsbook Hurricane Katrina? Credit and identity problems have quickly emerged as
added big problems for the Katrina victims. online casino Identity
thieves know Katrina victims are easy and
unfortunately plentiful targets for credit fraud. Lifelock, an Arizona based company which claims to be
the country's first and only preventative identity
theft solution, introduced earlier this month
a FREE, no obligation service especially for Katrina
victims. online betting The company will place statements on all victim's
credit reports stating the consumer is a victim of the
hurricane and asks the lender to take into account
should their credit score decline. Additionally, march madness Lifelock will place fraud alerts on all credit bureaus
requiring any business attempt to pull a credit file
to contact the account holder directly.
http://www.canadacasino.com

britney sayers said...

Visa and American Express subsequently dropped it as a credit card processing company. CardSystems was acquired by Pay By Touch. The buyout was completed on December 9, 2005. In March 19, 2008, Pay By Touch shut down.
At the time it was the largest computer hack in history.Costa rica toursThe hack would be surpassed by the Albert Gonzalez hacks in 2007 of TJX Companies in which 45.6 million cards were hacked and Heartland Payment Systems in which 130 million cards were hacked.
http://www.kingtours.com

Poker said...

You will receive an email confirming your registration request and, successively is a second message, attached, shows the contract game with your account number and PIN (you can find them on the last page of the contract).

Within 24 hours will receive a bonus equal to 100% of the amount you deposit up to a maximum of 200 € and 5 € on your account to play right away.



The 5 euro bonus can be used up to 31/12/2011. After the date, from this link you can check out the site to learn about the promotion www.sisal.it updated

* Progressive Bonus: click here and read all the details on the operation of the bonus. You have 3 months from when assigning the progressive bonus to accumulate Match Points needed to mature it.

Warning!
At the time of extinction of the gaming account the amount of any bonus will not be paid

Costa Rica Weddings said...

Costa Rica
Weddings
, Costa Rica
Wedding Packages
, Costa
Rica Weddings All Inclusive
,Wedding In Jaco Costa Rica,
Costa Rica Beach Weddings,
Los Suenos Wedding,
Jaco Costa Rica Wedding,
Jaco Wedding Planner,
Costa Rica Married,
Wedding Planning Costa Rica,
Costa Rica Wedding Locations,
Costa Rica Wedding Venues,
Costa Rica Wedding Packages All
Inclusive
, Costa Rica
Wedding Planner
, Getting
Married Costa Rica
, Costa
Rica Destination Weddings


Los Suenos Costa Rica,
Los Suenos Costa Rica Condos For Rent,
Los Suenos Costa Rica Vacation Rentals,
Los Suenos Condos For Rent,
Los Suenos Vacation Rentals,
Los Suenos Condominiums,
Los Suenos Condo Rental

Costa Rica Weddings said...

Costa
Rica Fishing Packages
, Costa
Rica Fishing Boats
, Costa Rica Fishing,
Costa Rica Sport
Fishing Packages
, Costa Rica
Fishing
, Costa Rica
Fishing Packages All Inclusive
, Fishing Trips Costa Rica,
Los Suenos Costa Rica Fishing,
Los Suenos Costa Rica Fishing Charters
, Costa Rica Fishing Vacation Packages,
Costa Rica Fishing Packages All
Inclusive
, Costa Rica Fishing
Trips
, Costa Rica Fishing Trips
All Inclusive
, Sport Fishing
Costa Rica
, Costa Rica Sport
Fishing Charters
, Sportfishing
In Costa Rica
, Jaco Costa Rica
Fishing Charters
, Jaco Costa
Rica Fishing Packages
, Jaco
Costa Rica Sport Fishing