| OB3 |
Hello
Has anyone used LifeLock.com as a means to secure your identity on and offline ?
I recently had 2 accounts opened with my ss# with an address that I have not lived at since 1994.
I want to do whatever I can now in order to stop this from happening again.
I was this company awhile ago and its one of the first that is listed when google searching (I relaize that doesnt mean its the best, its just the only one I have heard of)
http://www.lifelock.com/
Any opinions/reccos are appreciated
thanks |
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| colorider |
| Hmmmm, for $10/month, might be the best investment a person can make! |
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| OB3 |
yes, i agree
I was just wondering if this is one of the better companies out there ?
$10 a month for peice of mind is WELL worth it, just as the 35 a month for our ADT home security system is for our house.
thanks all |
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| ramirami |
I recently sent some papers with my/wife's SSN ...got misplaced in the mail.
I signed up for identity guard... good thing IMO there is that you have multiple levels you can select from.
BTW the papers made it to the recipient a few weeks later.. I plan to downgrade my service from level3 to level1 |
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| N_Jay |
Most people are way tooo woried about all the identity theft hype.
Credit cards are 100% safe.
Debit cards are only a little riskier if you keep your pin safe.
SSN is just about worthless, because about the only thing someone could do is open a new account. If it is a credit card you are protected, if it is a FDIC bank account you are protected.
When they publish the big numbers of people with identity theft problems, pay close attention to what they lump in to make the number so big.
For most people $10 a month is not worth it. |
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| tim.s |
quote:
Originally posted by OB3
yes, i agree
I was just wondering if this is one of the better companies out there ?
$10 a month for peice of mind is WELL worth it, just as the 35 a month for our ADT home security system is for our house.
thanks all
Don't know if there are any better companies doing this business, but Lifelock seems to be the most advertised company. They've got that add on TV where the guy drives around the city in a panel truck with his SS and name on the side.
Glancing at the Lifelock website, most of the stuff they do for you is stuff you can do yourself for free.
I suppose you could apply the same mentallity as the Hondacare extended warranty: $1000 for four years of vehicle coverage you'll probably never use (but feel better having) approx= $120 x 2 x4 = $960 of Lifelock coverage for you and your spouse for 4 years (that you will feel better having).
I'm wondering if we are more likely to need identity protection than need extended service... |
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| Samuel2003 |
| Identity theft happens "all the time". If it's not happening to you, it's happening to someone else. While the victim(s) may be eventually exonerated from all culpability, there is still the hassle of "running around" and checking off all the steps to clear his/her record/name. |
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| jay |
Through my Costco American Express card I have CreditSecure for $11.99 a month. It flags any changes in my credit report, and I can pull a 3-bureau report with FICO scores any time I want.
I also have an Identity theft rider on my Homeowners policy for $20 a year, that pays a few thousand if something happens. |
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| OB3 |
More for peace of mind than anything, I signed up yesterday evening. I got a rate of 99 a year since i found a promotional code online so for a little more than 8 dollars a month, i feel a little bit better about having some waste fo life use and abuse my ss#.
I know nothing is fool proof, but since i had a 3500 laptop and a 1800 bose system charged to ME without me being aware, i feel that much better that it will not happen again.
And yes, i probably could do what they do (set up fraud alerts with the 3 major credit beureaus out there) myself, but since i can't remember that wednesday and saturday are garbage pick up days here athome, the 8 bucks a month is well worth it.
thanks all
be safe :) |
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| krygny |
The media hype about identity theft, like most media hype, is ridiculous. Some members of the media think it's part of their job description to scare you. First, they focus on a few extremely rare, anecdotal, nightmare scenarios where bank and credit card accounts were opened, loans and mortgages were taken out and the individual was left with thousands in debts, wrecked credit and it takes months to straighten out. Then, they cite the statistics of people who are victims of "some level" of identity theft, and the stats can be alarming. This gives a false perception that all those stats relate to people who have had their lives ruined by identity theft. In reality, most incidents are extremely minor, even just misunderstandings and are cleared up quickly and easily with the bank or CC company.
I don't mean to imply that there's little or no risk but remember if a bank, mortgage company, CC company, etc., is defrauded by someone other than you, that's their problem, not yours.
A little common sense goes a long way. Identity thieves, like all predators, pick the low-hanging fruit. Don't be the low-hanging fruit. |
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| N_Jay |
If people are pushing some type of insurance then they are making good profits on it.
Good profits on insurance come when policy premiums are significantly above the real risk.
Hard pushed insurance = Bad deal
If you have a bad change on your credit card the entire hustle is flipping the card over and making a call. |
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| N_Jay |
quote:
Originally posted by Samuel2003
Identity theft happens "all the time". If it's not happening to you, it's happening to someone else. While the victim(s) may be eventually exonerated from all culpability, there is still the hassle of "running around" and checking off all the steps to clear his/her record/name.
Good Boy! Keep listening to the media hype.
Look at it this way. For way less than $10 a month you could get $0 deductible comprehensive insurance on your cars.
In a 5 year period, which is more likely, non-collision damage to your car or identity theft???
If neither has happened to you, take a survey among your friends.
People REALLY need to understand relative risk and relative cost! |
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| krygny |
You're basically paying them for the convenience of doing many things you could easily do yourself for nothing. But you are not then absolved of all responsibility. If you're completely negligent and irresponsible, they'll punt (like any insurance company). I'm suspicious of their response to a claim in a nightmare scenario. Even if you're not irresponsible, I suspect they'll direct YOU in clearing up the matter. They won't just "handle it" and make it go away. They can't. There are some things only you (and no one else) can do in these matters. It's not like you're giving them a PoA. (Edit: That's Power of Attorney, not Piece of A$$.)
Bottom line, it's your money, your @$$ and your choice. |
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| N_Jay |
quote:
Originally posted by krygny
Bottom line, it's your money, your @$$ and your choice.
You forgot one thing.
And its a relatively LOW risk. |
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| tim.s |
quote:
Originally posted by OB3
...but since i can't remember that wednesday and saturday are garbage pick up days here athome, the 8 bucks a month is well worth it...
Yeah, I know what you mean.:2: |
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| Samuel2003 |
quote:
Originally posted by N_Jay
Good Boy! Keep listening to the media hype.
Look at it this way. For way less than $10 a month you could get $0 deductible comprehensive insurance on your cars.
In a 5 year period, which is more likely, non-collision damage to your car or identity theft???
If neither has happened to you, take a survey among your friends.
People REALLY need to understand relative risk and relative cost!
Don't, I say, don't patronize me Boy! :foghorn leghorn voice:
I'm not "listening to media hype". I'm taking reports - probably over 100 in the last year alone (yes, to your "100% safe" credit cards, debit cards, unauthorized use of personal identifying info, accounts for utilities/goods/services, etc). I also have access/clearance to JTTF info (that's actually related to the topic at hand but you probably wouldn't know that either).
I did NOT advocate/suggest that people Should buy identity theft/fraud insurance, I merely stated that sh1t (identity theft/fraud) happens.
IF it doesn't happen or hasn't happened to you or your friends, I guess it's not happening at all and everyone else is imagining it, huh? :rolleyes:
It's becoming painfully clear to me that you're the type of guy who, with no medical expertise whatsoever, would walk into an operating room and tell a surgeon what tool to use, where to cut, and how to perform the procedure... |
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| Samuel2003 |
quote:
originally posted by krygny
Bottom line, it's your money, your @$$ and your choice. [/B]
Quoted for emphasis. Do some research on the subject and then decide if it's worth your time/money.
Btw, it Has happened to me and a few of my friends... I don't have any protective services right now but I'm looking into it, especially for my kids. |
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| N_Jay |
quote:
Originally posted by Samuel2003
Don't, I say, don't patronize me Boy! :foghorn leghorn voice:
As always :)
quote:
Originally posted by Samuel2003
I'm not "listening to media hype". I'm taking reports - probably over 100 in the last year alone
Great. Now that is 1200 a year out of how many people??
The issue is relative risk, not absolute numbers.
Sorry if you missed that point .
quote:
Originally posted by Samuel2003
yes, to your "100% safe" credit cards, debit cards, unauthorized use of personal identifying info, accounts for utilities/goods/services, etc). I also have access/clearance to JTTF info (that's actually related to the topic at hand but you probably wouldn't know that either). ...
Point being??
And what does the JTTF have to do with this issue?
quote:
Originally posted by Samuel2003
I did NOT advocate/suggest that people Should buy identity theft/fraud insurance, I merely stated that sh1t (identity theft/fraud) happens..
I didn't say it did not happen, just the it does not happen near as much as most people are lead to believe, and your "data" was adding to the incorrect perception.
quote:
Originally posted by Samuel2003
IF it doesn't happen or hasn't happened to you or your friends, I guess it's not happening at all and everyone else is imagining it, huh? :rolleyes:
I didn't say it didn't happen,.
The "ask your friends" process is just an easy way to normalize the data and fix the screwed up perception that the media and other sources are giving people.
quote:
Originally posted by Samuel2003
It's becoming painfully clear to me that you're the type of guy who, with no medical expertise whatsoever, would walk into an operating room and tell a surgeon what tool to use, where to cut, and how to perform the procedure...
Really? Then you are painfully wrong.
What I am is a layperson who has taken the time to become well enough educated on medical issues to have a meaningful discussion on treatment alternative with my doctor, and even know when it is probably a good idea to get a second opinion, rather than just blindly swallowing the pills he prescribes like a thoughtless lemming. |
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| jay |
Well, I spend the $11.99 a month with CreditSecure because I like being able to pull a report and score any time I feel like it. The email alerts are fine, but they are just like an oil light - they come so late in the process that it's just a way of telling me I could be screwed.
The $20 to for the rider on my policy was a week's lunch money at work, so what the heck. Just like my $1 million liability rider - if the insurance company thought I'd ever need it, it wouldn't be so cheap.:p |
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| Samuel2003 |
quote:
Originally posted by N_Jay
As always :)
suuure...
Great. Now that is 1200 a year out of how many people??
The issue is relative risk, not absolute numbers.
Sorry if you missed that point .
Ummm I'm just ONE of many taking those reports (and it's an EXTREMELY SMALL portion of my full time duties) so "1200 a year" is just a "tad" low. Btw, relative risk/statistics/probabilities mean JACK SQUAT to the "ONE" that sh1t happens to... Sorry if you missed that point.
Point being??
Point being you state that credit cards are "100% safe" - oops, wrong.
And what does the JTTF have to do with this issue?
If ID theft/forgery/fraud was NOT a "big deal", we wouldn't have specialized units across the US (at the city, county, state, national levels) dedicated to that type of criminal activity. ID theft/forgery/fraud is high up on the list of monitored activites by the JTTF. You don't need to know any more than that.
I didn't say it did not happen, just the it does not happen near as much as most people are lead to believe, and your "data" was adding to the incorrect perception.
All I'm saying is that it "does happen" which is more accurate than you saying that it "doesn't happen" or "don't worry, it'll never happen to you".
I didn't say it didn't happen.
Not literally, but that's what you're pushing.
The "ask your friends" process is just an easy way to normalize the data and fix the screwed up perception that the media and other sources are giving people.
Maybe easy. Maybe not so accurate/realistic. It's also easy to "normalize the data" when you choose to ignore/discount/downplay the first hand experiences of others not in your "group".
Really? Then you are painfully wrong.
What I am is a layperson who has taken the time to become well enough educated on medical issues to have a meaningful discussion on treatment alternative with my doctor, and even know when it is probably a good idea to get a second opinion, rather than just blindly swallowing the pills he prescribes like a thoughtless lemming.
Umm that is nowhere near what I said - apples and oranges. Reread.
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| jay |
Another reason I dropped the $20 on my insurance rider was the number of friends or acquaintances I've met who had an issue, and the horror stories they tell about cleaning up the mess. Little did I realize I was just normalizing data. :p
We must all remember that when we get into these discussions, some of us are always right, and the rest of us just need to do what helps us sleep at night, lemmings be darned!:p |
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| N_Jay |
quote:
Originally posted by Samuel2003
It must get hot wearing a Kevlar vest all the time because "people do get shot", and wearing a helmet all the time, because people die from head injuries "all the time", etc etc etc.
When you give up thinking about relative risk rationally, you might as well give up on living.
I am not the one being an absolutist about it. If I was worth millions, I would probably consider some protections. But being an average middle class Joe, and having looked into some of the statistics have determined that these credit/ID protection plans are very far overpriced for what they provide.
As for the JTTF, it is simply the very large concern of the feds that some very small amount of ID and credit fraud is terrorism related.
It has absolutely nothing to do with this discussion.
And as for my last statement in my previous post, it is far more meaningful than the absurdity of yours it was answering. |
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| N_Jay |
quote:
Originally posted by jay
Another reason I dropped the $20 on my insurance rider was the number of friends or acquaintances I've met who had an issue, and the horror stories they tell about cleaning up the mess. Little did I realize I was just normalizing data. :p
We must all remember that when we get into these discussions, some of us are always right, and the rest of us just need to do what helps us sleep at night, lemmings be darned!:p
Did I say that $20 a year was unreasonable?
It is quite a lot less that $120 to $150. |
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| jay |
quote:
Originally posted by N_Jay
Did I say that $20 a year was unreasonable?
It is quite a lot less that $120 to $150.
Your background, experience, environment and genetics give you a point of reference, and you make the decisions you do. Same for the rest of us. But here again, anyone with a different view or approach gets less than respectful treatment. It's okay for you to do what you do, and think how you think about it. The rest of us may agree or disagree, and that's okay with the rest of us. You don't need to constantly justify your position, and unfortunately come across as demeaning the position of others in the process. I guess that's what I was trying to say in a guarded, subtle sort of way with the post you quoted.
And here we have OB3 who's been directly impacted, and Samuel2003 who deals with it every day, and yet you continue to push your agenda with little regard for other's experiences. Reminds me of the current occupant of the White House. :( |
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| N_Jay |
quote:
Originally posted by jay
Your background, experience, environment and genetics give you a point of reference, and you make the decisions you do. Same for the rest of us. But here again, anyone with a different view or approach gets less than respectful treatment. It's okay for you to do what you do, and think how you think about it. The rest of us may agree or disagree, and that's okay with the rest of us. You don't need to constantly justify your position, and unfortunately come across as demeaning the position of others in the process. I guess that's what I was trying to say in a guarded, subtle sort of way with the post you quoted.
And here we have OB3 who's been directly impacted, and Samuel2003 who deals with it every day, and yet you continue to push your agenda with little regard for other's experiences. Reminds me of the current occupant of the White House. :(
Did you actually bother to read the posts that I was responding to?
If you want it for "peace of mind", that is great. Enjoy your peace of mind.
My point was the real risk is very low, and at the very least you should know that before investing money in insurance.
I bet there are 100's of other riders that are in the $120 to $150 range that you don't buy even though the risk is actually higher.
Who really cares if someone open an account in your name? When you find out, it takes about 2 calls to have it shut. (Heck if you are a bit unethical, you could probably find a way to extract funds before shutting it down.)
$10 a month for the last 30 years I have been using debit and credit cards adds up to $3600. Sorry no thanks.
I really get steamed at the credit card companies selling this kind of insurance because it is their loss you are paying to protect. :3:
Oh, and rumor (Wiki reference) has it that it takes on teh average 40 hours to resolve. |
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| jay |
quote:
Originally posted by N_Jay
Did you actually bother to read the posts that I was responding to?
If you want it for "peace of mind", that is great. Enjoy your peace of mind.
My point was the real risk is very low, and at the very least you should know that before investing money in insurance.
I bet there are 100's of other riders that are in the $120 to $150 range that you don't buy even though the risk is actually higher.
Who really cares if someone open an account in your name? When you find out, it takes about 2 calls to have it shut. (Heck if you are a bit unethical, you could probably find a way to extract funds before shutting it down.)
$10 a month for the last 30 years I have been using debit and credit cards adds up to $3600. Sorry no thanks.
I really get steamed at the credit card companies selling this kind of insurance because it is their loss you are paying to protect. :3:
I read every word. Some twice. I have the idea that you didn't really get the meaning of my post, based on your post. And you haven't heard the horror stories that I've heard from friends; it took them more than a couple of phone calls to clean up the mess. You managed to prove my point again. As I've said before in other threads on other topics, tried to say in a socially acceptable manner with two posts in this thread, and will now shout to the Internet world, GET OVER YOURSELF!
Your frame of reference is fine. Mine is different, I make my choices, you make yours, and this thread does not need another post to understand your frame of reference or choice, or mine and others.
I may have a different opinion on a number of things posted here, and I offer up my opinion, and learn that others have a similar or different opinion, and may even change mine. I have the feeling that you have an opinion on just about everything, and your presentation often makes it appear that your opinion rises and sets with the sun, and that's that. Well, my point is that's not that. |
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| Samuel2003 |
quote:
Originally posted by N_Jay
It must get hot wearing a Kevlar vest all the time because "people do get shot", and wearing a helmet all the time, because people die from head injuries "all the time", etc etc etc.
Ok, now I see your logic. Military and LE personnel are silly/idiotic because they choose to wear protective gear such as helmets/vests - silly/idiotic because only a small percentage of them have been shot at, injured, or killed. Or they could also be silly/idiotic because they may choose to spend extra money to buy higher grade gear or additional equipment, such as a back up weapon, when the "relative risk" of them having to use said gear/equipment is "small"... Ummm okayyyy... :rolleyes:
We have quite a few sayings in my line of work, two are: "better to have it and not need it than the other way around" and "two is one, one is none". If you don't understand them, don't worry about it - you don't need to.
When you give up thinking about relative risk rationally, you might as well give up on living.
Or when people stop "thinking rationally" like you? umm Ohhh kayyy
I am not the one being an absolutist about it. If I was worth millions, I would probably consider some protections. But being an average middle class Joe, and having looked into some of the statistics have determined that these credit/ID protection plans are very far overpriced for what they provide.
Now that would be a good turn for the thread - to actually discuss what different plans provide and whether or not they would be adequate or beneficial for people on an INDIVIDUAL basis.
As for the JTTF, it is simply the very large concern of the feds that some very small amount of ID and credit fraud is terrorism related.
It has absolutely nothing to do with this discussion.
Yeah, I guess all the money lost every year or the time/money/energy spent dealing with the problem has Nothing to do with indicating whether or not identity theft/forgery/fraud/etal actually occurs...
And as for my last statement in my previous post, it is far more meaningful than the absurdity of yours it was answering.
ummm okay, whatever you say... :rolleyes:
I'm finished beating my head against the wall on this one... |
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| jay |
quote:
Originally posted by Samuel2003
I'm finished beating my head against the wall on this one...
Me too!:4: |
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| jay |
| OB3, I do hope you keep us updated. I'm curious about LifeLock, and would like to know more about your dealings with the company. |
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| jay |
quote:
Originally posted by N_Jay
I am sorry for bothering everyone.
Goggle 'Identity Theft Insurance'.
Here are 5 of the first 10 links returned.
http://www.msnbc.msn.com/id/12692565/
"With so many people worried about identity theft, this insurance is hot right now. But although the cost often seems reasonable, the benefits are usually very limited and “typically not worth the money," according to editors of Consumer Reports magazine."
http://financialplan.about.com/od/i...TheftInsure.htm
"Consumer experts say that most people don't need identity theft protection."
http://www.usatoday.com/money/perfi...-05-05-ym_x.htm
"A recent survey found that more Americans are worried about that than about losing their jobs."
http://www.forbes.com/2003/05/29/cx_ds_0529simons.html
"Also, the apparent low cost of $25 to $60 for a policy actually isn't a good value relative to the risk."
http://www.marketwatch.com/news/sto...BA3D8255680D%7D
"Stupid Investment of the Week
Identity-theft insurance isn't even worth its small price"
5 out of 10 links with the same opinion as I have. Several other are informational and are written to be neutral, and the rest are selling it.
Oh well! :rolleyes:
But, what do I know?
I'm just the irrational idiot in the group.;) ;)
You could have posted all of that in the first place, and let us decide for ourselves, and/or decided you were reading the wrong media hype. :p
That's much more becoming than the earlier posts, and could promote more positive dialog. And you're not the irrational idiot. You may be a genius, but a social misfit. But hey, Bumbles bounce!:p |
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| N_Jay |
quote:
Originally posted by jay
You could have posted all of that in the first place, and let us decide for ourselves, and/or decided you were reading the wrong media hype. :p
That's much more becoming than the earlier posts, and could promote more positive dialog. And you're not the irrational idiot. You may be a genius, but a social misfit. But hey, Bumbles bounce!:p
Sorry, I looked into it a long time ago.
I just figured I would double check now since I my "opinion" was so far out of the norm.
Also, do note, that with the exception of referring to Samuel's opinion as being driven by media hype, I was being civil. (as opposed to some of the other comments.
I love the "A recent survey found that more Americans are worried about that than about losing their jobs." line.
It is a perfect example of what happens when we accept the facts presented without doing a rationality check. |
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| jay |
quote:
Originally posted by N_Jay
Sorry, I looked into it a long time ago.
I just figured I would double check now since I my "opinion" was so far out of the norm.
Also, do note, that with the exception of referring to Samuel's opinion as being driven by media hype, I was being civil. (as opposed to some of the other comments.
I love the "A recent survey found that more Americans are worried about that than about losing their jobs." line.
It is a perfect example of what happens when we accept the facts presented without doing a rationality check.
Uh huh. You won me half way back, then posted again. I'm done, except for still hoping that we get an update on how it is to deal with LifeLock. |
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| N_Jay |
quote:
Originally posted by jay
Uh huh. You won me half way back, then posted again.
Of course.
I mean if people can be made more afraid of ID theft than of losing their job, I bet they could even be convinced to buy hybrid cars.:2: :2: :2: |
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| jay |
quote:
Originally posted by N_Jay
Of course.
I mean if people can be made more afraid of ID theft than of losing their job, I bet they could even be convinced to buy hybrid cars.:2: :2: :2:
I'm more afraid of another post from you than ID theft or losing my job. The bouncing smilies really set me into a rage, because I have no idea what you mean when you start using them. :rolleyes: |
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| N_Jay |
quote:
Originally posted by jay
I'm more afraid of another post from you than ID theft or losing my job. The bouncing smilies really set me into a rage, because I have no idea what you mean when you start using them. :rolleyes:
BOO! (Another post)
They mean, either;
I am laughing with you,
or
I am laughing at you.
The distinction is yours to make, however you are fully responsible for your attitude about that distinction. |
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| tim.s |
Sometimes I'm surprised this smiley isn't used more:
:xnuts:
I'll leave it up to everyone else to decide who is yellow and who is green.
;) |
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| OB3 |
quote:
Originally posted by N_Jay
Who really cares if someone open an account in your name?
When you find out, it takes about 2 calls to have it shut. (Heck if you are a bit unethical, you could probably find a way to extract funds before shutting it down.)
Who really cares ??? I actually really care. When I get a letter regarding an issue with my account and delivery for a dell laptop of over 3 grand, and then a week later having an 1800 dollar bose dvd system delivered to my parents house (where I have not lived for over 14+ years) and a bill for that... you know what... I F-CKIN CARE.
When i have to take time out of my day to clear up crap that I did not start in the first place .... i care.
When i get a call from my Dad that 2 black guys in thier mid 20's rang thier doorbell the other day looking for a package that they claim thier Mom ordered but put 'Place' instead of 'Court' for the address .... I care.
When i realize that 2 black peices of S__T are most likely casing my parents house wating for thier delivery that they used with my credit, i friggin care.
When i am here worrying that these peices of S__T could endanger my parents.. I CARE
When i realize that there might be addition accounts opened by these a-holes out there i do not know about I CARE.
So to answer your question, I will answer:
I CARE.
No offense... that was an ignorant question.
Im not arguing with you, I'm just stating my opinion of your statement. If you feel you need to retort, bemy guest.
As for trying to 'extract funds before these accounts are drawn down' ??
Peices of garbage do that.
I am not a peice of garbage.
My wife and I have worked to hard for what we have in life to have a select group of parasites ruin it. We are expecting the arrival of our second child in 4 weeks.... She needs this crap ???
I wish death to these parasites, each and every one of them, thats honestly how i feel. |
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| OB3 |
I signed up yesterday and they called me today, asking me if i had any questions about the services. They are available 24/7 if I ever do. Less than 8 bucks a month for a 'little bit' more peace of mind.
I see it as less than 2 venti Iced Mocha Lattes at Starbucks.
I apoloize in advance if that last post came off offensive to anyone (even n_jay) ;)
Its been a rough week and my NY is coming out in me again. |
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| N_Jay |
quote:
Originally posted by OB3
Who really cares ??? I actually really care. When I get a letter regarding an issue with my account and delivery for a dell laptop of over 3 grand, and then a week later having an 1800 dollar bose dvd system delivered to my parents house (where I have not lived for over 14+ years) and a bill for that... you know what... I F-CKIN CARE.
When i have to take time out of my day to clear up crap that I did not start in the first place .... i care.
When i get a call from my Dad that 2 black guys in thier mid 20's rang thier doorbell the other day looking for a package that they claim thier Mom ordered but put 'Place' instead of 'Court' for the address .... I care.
When i realize that 2 black peices of S__T are most likely casing my parents house wating for thier delivery that they used with my credit, i friggin care.
When i am here worrying that these peices of S__T could endanger my parents.. I CARE
When i realize that there might be addition accounts opened by these a-holes out there i do not know about I CARE.
So to answer your question, I will answer:
I CARE.
No offense... that was an ignorant question.
Im not arguing with you, I'm just stating my opinion of your statement. If you feel you need to retort, bemy guest.
As for trying to 'extract funds before these accounts are drawn down' ??
Peices of garbage do that.
I am not a peice of garbage.
My wife and I have worked to hard for what we have in life to have a select group of parasites ruin it. We are expecting the arrival of our second child in 4 weeks.... She needs this crap ???
I wish death to these parasites, each and every one of them, thats honestly how i feel.
You do know that all you have to do is put "fraud protection" on your credit report and you would have stopped this from happening.
It's free, but the evening news has not bothered to tell you that!
If by some bizarre reason they got the account opened anyhow, then they would have done it with or without the (supposed) benefits of the ID protection $8 (or $9 or $10, or $12) a month.
Then the two guys would have still shown up, and the ID protection would have not helped.
I see you definitely are a good candidate for a little "piece of mind" insurance.
I hope with all this rage, you at least called the police to sting these guys.
My point being is that the ID protection companies are ripping people off at a rate similar to the thief's, they just do it legally.
And the media who is raking in big advertising $$ for each "free-credit-report-dot-com" (Sung to the catchy jingle) commercial, is doing their best to scare you with out any effort to educate you.
I hope I have not insulted anyone, made light of any important issues, or demeaned any person, living or dead.
For only $5.99 a month, you can get $1 million dollars of coverage with "N-Jay's forum protection and insult elimination insurance". With this policy you will no longer have to worry about ever being bothered by insults and demeaning language from forum participants.
(Policy will pay for actual damages only, no other compensation is implied.) |
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| krygny |
Translation:
This is my opinion, I'm stating it as fact, I can't support it but I want to give it some implied credibility because, for most people, that's good enough.
Research shows that 73% of all people who use the term "research shows" are just making $hit up. |
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| OB3 |
Once again, if all it cost is 8 dollars a month for me not have to call the 3 credit beureaus every 90 days (because from what i have read, they do expire after 90 days), its well worth it. If that gives off the impression that i am a pawn in the system and controlled like a lab rat, well, then so beit in in some narrow minded people out there.
Do i care about that, hell no.
And yes, I had contaced the police, given their fruad divion all of the information, and basically , im my opinion, was just being "yes sir's" to death and nothing will come of it.
So I decided to call the number myself, and dealt with that accordingly.
This is a little more than a nuisance to me. I am far from a bilionaire, yet when 2 black (I am not being a racist here, i am going on the info my dad gave me) try and ruin what my wife an I have worked very hard over the last 15 years to attain, 8 bucks amonth is really is nothing. I do not want my house/cars/boat/investments/kids college funds in excess of 1.5 million to be jeopardized at all.
I appreciate the comments from all of he postive people here in the thread.
regards
tom
Non-Member of te ''N-Jay's forum protection and insult elimination insurance'' since 2/2008
;) |
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| OB3 |
quote:
Originally posted by krygny
..
Research shows that 73% of all people who use the term "research shows" are just making $hit up.
I just read that in a survey recently lololol
If i had a puppy, this morning i would kick him. |
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| colorider |
quote:
Originally posted by OB3
I signed up yesterday and they called me today, asking me if i had any questions about the services. They are available 24/7 if I ever do. Less than 8 bucks a month for a 'little bit' more peace of mind.
I see it as less than 2 venti Iced Mocha Lattes at Starbucks.
I apoloize in advance if that last post came off offensive to anyone (even n_jay) ;)
Its been a rough week and my NY is coming out in me again.
No need to apologize. I am very sorry to hear about what has happened to you and your family.
I hope that other forum members will take a few minutes and think what they would do or how they would react had this unfortunate series of events occurred in their life.
BTW, I wear a helmet and protective gear ALL THE TIME when riding my motorcycle.
:) |
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| OB3 |
quote:
Originally posted by colorider
BTW, I wear a helmet and protective gear ALL THE TIME when riding my motorcycle.
:)
I wore one when I told the wife that i bought a new 85mm 1.4 for my d50.... Now that was scary. |
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| N_Jay |
quote:
Originally posted by colorider
BTW, I wear a helmet and protective gear ALL THE TIME when riding my motorcycle.
:)
But people get hurt "all the time" not riding a motorcycle, so you should not limit when and where you wear them. :2: :2: :2:
The three :2: are to indicate a joke, since Samuel missed my point last time. (I was not referring to active duty military and law enforcement):rolleyes: |
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| N_Jay |
quote:
Originally posted by OB3
I wore one when I told the wife that i bought a new 85mm 1.4 for my d50.... Now that was scary.
I just looked up the price on that.
I would seriously consider full Kevlar and nomex!
:2: :2: :2: |
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| OB3 |
N_Jay
I appreciate all of you view.... really.
I'm jsut in the the wrong mindset to listen to what i took as 'you're not educated enough for doing this' banter. Maybe I read it the wrong way. I have been know for not listening and hearing what was truey said .... well, according to my wife I am.
but i disagree 100%
what were we talking about ? |
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| colorider |
quote:
Originally posted by OB3
I wore one when I told the wife that i bought a new 85mm 1.4 for my d50.... Now that was scary.
Hmmm, NOW we are talking!!!!! While on my recent Florida trip I decided I REALLY wanted to have something better than my little P&S. We spent several days in Everglades NP and I was taken aback by the wildlife along the Anhinga Trail and other places in the park. Fast forward a couple weeks after countless hours of research and I am now entering into a new hobby!!! One that has always intrigued me, but never really has the time for. :D |
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| colorider |
quote:
Originally posted by N_Jay
But people get hurt "all the time" not riding a motorcycle, so you should not limit when and where you wear them. :2: :2: :2:
The three :2: are to indicate a joke, since Samuel missed my point last time. (I was not referring to active duty military and law enforcement):rolleyes:
I know. It's called "risk management" and one of the points that is stressed in motorcycle safety courses. The same thing can be applied in other areas of our lives. That's what many are talking about in this thread. |
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| N_Jay |
quote:
Originally posted by OB3
N . . . .. I have been know for not listening and hearing what was truey said .... well, according to my wife I am.
but i disagree 100%
what were we talking about ?
Something about trash in the freezer and putting steak out by the curb.
I can never figure that woman out! |
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| OB3 |
Around 8pm last night I get a call on my cell phone, i missed it, then my home phone rings. It was AT&T wireless calling to ask if I am currently applying for 2 new cell phone lines. Obviously I was not.
The fruad alerts did thier job as stated by LifeLock (I know I could have done it myself, I chose to pay the 8 bucks and have it done for me automatically every 90 days). Although mad as hell, I was very happy that the service worked as planned.
The part that pi$$ed me off is that AT&T would not give me the name of the store where these peices of garbage were attempting to open the account. I am sure it was the same 2 'gentlemen' that cased my parent house looking for the home theater. I would have loved to go introduce myself to these a$$es.
Peace of mind ..... thats all I ask for. |
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| ramirami |
quote:
Originally posted by OB3
Around 8pm last night I get a call on my cell phone, i missed it, then my home phone rings. It was AT&T wireless calling to ask if I am currently applying for 2 new cell phone lines. Obviously I was not.
The fruad alerts did thier job as stated by LifeLock (I know I could have done it myself, I chose to pay the 8 bucks and have it done for me automatically every 90 days). Although mad as hell, I was very happy that the service worked as planned.
The part that pi$$ed me off is that AT&T would not give me the name of the store where these peices of garbage were attempting to open the account. I am sure it was the same 2 'gentlemen' that cased my parent house looking for the home theater. I would have loved to go introduce myself to these a$$es.
Peace of mind ..... thats all I ask for.
good to know that its working...
companies will not give you the names.. but are they working with local law enforcement ? |
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| OB3 |
| I informed the detective that has the original case at my local precinct, I am not really expecting much to come of it. I can only hope these guys have a deal go bad and catch a couple of slugs in the temple :) |
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| krygny |
quote:
Originally posted by OB3
...
I am sure it was the same 2 'gentlemen' that cased my parent house looking for the home theater. I would have loved to go introduce myself to these a$$es.
Peace of mind ..... thats all I ask for.
Whoa! There's some history here that I missed. (Is it earlier in the thread?) You've established a connection between someone starting a cell account and two men who cased your parents' house? How? |
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| krygny |
quote:
Originally posted by OB3
Who really cares ??? I actually really care. When I get a letter regarding an issue with my account and delivery for a dell laptop of over 3 grand, and then a week later having an 1800 dollar bose dvd system delivered to my parents house (where I have not lived for over 14+ years) and a bill for that... you know what... I F-CKIN CARE.
When i have to take time out of my day to clear up crap that I did not start in the first place .... i care.
When i get a call from my Dad that 2 black guys in thier mid 20's rang thier doorbell the other day looking for a package that they claim thier Mom ordered but put 'Place' instead of 'Court' for the address .... I care.
When i realize that 2 black peices of S__T are most likely casing my parents house wating for thier delivery that they used with my credit, i friggin care.
When i am here worrying that these peices of S__T could endanger my parents.. I CARE
When i realize that there might be addition accounts opened by these a-holes out there i do not know about I CARE.
So to answer your question, I will answer:
I CARE.
No offense... that was an ignorant question.
Im not arguing with you, I'm just stating my opinion of your statement. If you feel you need to retort, bemy guest.
As for trying to 'extract funds before these accounts are drawn down' ??
Peices of garbage do that.
I am not a peice of garbage.
My wife and I have worked to hard for what we have in life to have a select group of parasites ruin it. We are expecting the arrival of our second child in 4 weeks.... She needs this crap ???
I wish death to these parasites, each and every one of them, thats honestly how i feel.
Ok, got it. I thought it was interesting that just days after you take out this LifeLock plan, you encounter an incident. You apparently have some personal information "out in the wild". It's making the rounds among known n'er-do-wells, rogues, scamps and nefarious rapscallions.
Now, what is LifeLock gonna do about it? |
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| OB3 |
LifeLock is not doing anything about the precious little cherubs that are using my soc number to purchase goods, they are just now protecting me from it happening again in the event that these fine upstanding young individuals attempt to open up another account in my name.
Fraud Alerts are now with all 3 major credit bureaus,so if someone, including myself, goes to open an account somewhere, they immediately contact me via cell or home hone and verify.
This is what occurred last night.
I am in contac with a detective at my local precinct in their fraud division, I just do not hold any stock in them finding these idiots.
I assume after a few more attempts, they will catch on and realize my number is dead and they will go onto the next poor guy whos numbers they stole.
regards
tom |
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| jay |
http://www.cnn.com/2008/CRIME/05/22...p.ap/index.html
Todd Davis has dared criminals for two years to try stealing his identity: Ads for his fraud-prevention company, LifeLock, even offer his Social Security number next to his smiling mug.
Todd Davis, CEO of Lifelock, uses his real Social Security number in his company's advertisements.
Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.
Attorney David Paris said he found records of other people applying for or receiving driver's licenses at least 20 times using Davis' Social Security number, though some of the applications may have been rejected because data in them didn't match what the Social Security Administration had on file.
Davis acknowledged in an interview with The Associated Press that his stunt has led to at least 87 instances in which people have tried to steal his identity, and one succeeded: a guy in Texas who duped an online payday loan operation last year into giving him $500 using Davis' Social Security number. |
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| N_Jay |
quote:
Originally posted by jay
http://www.cnn.com/2008/CRIME/05/22...p.ap/index.html
Todd Davis has dared criminals for two years to try stealing his identity: Ads for his fraud-prevention company, LifeLock, even offer his Social Security number next to his smiling mug.
Todd Davis, CEO of Lifelock, uses his real Social Security number in his company's advertisements.
Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.
Attorney David Paris said he found records of other people applying for or receiving driver's licenses at least 20 times using Davis' Social Security number, though some of the applications may have been rejected because data in them didn't match what the Social Security Administration had on file.
Davis acknowledged in an interview with The Associated Press that his stunt has led to at least 87 instances in which people have tried to steal his identity, and one succeeded: a guy in Texas who duped an online payday loan operation last year into giving him $500 using Davis' Social Security number.
Now that is funny! |
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| ramirami |
quote:
Originally posted by jay
http://www.cnn.com/2008/CRIME/05/22...p.ap/index.html
Todd Davis has dared criminals for two years to try stealing his identity: Ads for his fraud-prevention company, LifeLock, even offer his Social Security number next to his smiling mug.
Todd Davis, CEO of Lifelock, uses his real Social Security number in his company's advertisements.
Now, LifeLock customers in Maryland, New Jersey and West Virginia are suing Davis, claiming his service didn't work as promised and he knew it wouldn't, because the service had failed even him.
Attorney David Paris said he found records of other people applying for or receiving driver's licenses at least 20 times using Davis' Social Security number, though some of the applications may have been rejected because data in them didn't match what the Social Security Administration had on file.
Davis acknowledged in an interview with The Associated Press that his stunt has led to at least 87 instances in which people have tried to steal his identity, and one succeeded: a guy in Texas who duped an online payday loan operation last year into giving him $500 using Davis' Social Security number.
thats not identity theft at all... some loan operator did not run the proper checks!! |
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| larrys |
quote:
Originally posted by ramirami
thats not identity theft at all... some loan operator did not run the proper checks!!
A little more from the Friday, May 23, 2008 Wall Street Journal.
Later,
Larry. |
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| N_Jay |
quote:
Originally posted by ramirami
thats not identity theft at all... some loan operator did not run the proper checks!!
When they give the big number about identity theft, I bet incidents like this are included. (I bet every attempt is included) |
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| ramirami |
quote:
Originally posted by N_Jay
When they give the big number about identity theft, I bet incidents like this are included. (I bet every attempt is included)
not different from any other advertising... |
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