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Life Lock Identity theft company

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supertool73 View Drop Down
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    Posted: February/19/2010 at 16:15
Is anyone using this??  http://www.lifelock.com/

I used my credit card online yesterday to buy my deer and elk permits for this year and had my number stolen as I got a call from Cabelas Visa fraud department today with questions about a bunch of not typical charges on my card.  All the charges started appearing after I made that purchase. Over $1000 worth of charges in about 15 hours.   My computer is behind cisco network hardware and I scan it daily with malware and virus programs, which I have not found anything.  Makes me think the Utah DWR has something going on with their site or the company that hosts their site. 

But anyway, I have been looking into the Lifelock for a while now as this is making me consider it more.  I working in banking so have seen some pretty crazy stuff happen with identity theft and just wondering if anyone has any experience with using this program. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SVT_Tactical Quote  Post ReplyReply Direct Link To This Post Posted: February/19/2010 at 16:23
only problem we see with lifelock is that everytime you need to have yoru credit pulled you have to call and get them to unlock it and then call back to lock it.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Average Joe Quote  Post ReplyReply Direct Link To This Post Posted: February/19/2010 at 16:50
I have life lock, signed up and had no issues.
I also had a card number stolen before lifelock.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote lucytuma Quote  Post ReplyReply Direct Link To This Post Posted: February/19/2010 at 18:00
[QUOTE=supertool73]Is anyone using this??  http://www.lifelock.com/

"Makes me think the Utah DWR has something going on with their site or the company that hosts their site. "
 
You really think your Government would steal from you, what a concept.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote 3_tens Quote  Post ReplyReply Direct Link To This Post Posted: February/19/2010 at 18:52
You may want to do some checking. Not saying that it does not work but there are some lawsuits where it hasn't worked. Searched Lifelock lawsuit
 
 
Dec 6, 2009 ... LifeLock Inc., an identify-theft protection company, has been sued for breaking the law and defrauding customers. LifeLock
 
Experian gets early judgment in lawsuit against LifeLock - Phoenix ...
LifeLock Inc. was handed a setback in its defense of a lawsuit filed by credit reporting bureau Experian when a U.S. District Court judge ruled the Tempe ...
phoenix.bizjournals.com/phoenix/stories/2009/.../daily57.html
 


Edited by 3_tens - February/19/2010 at 18:54
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Post Options Post Options   Thanks (0) Thanks(0)   Quote scooter65 Quote  Post ReplyReply Direct Link To This Post Posted: February/20/2010 at 07:25
Originally posted by supertool73 supertool73 wrote:

Is anyone using this??  http://www.lifelock.com/

I used my credit card online yesterday to buy my deer and elk permits for this year and had my number stolen as I got a call from Cabelas Visa fraud department today with questions about a bunch of not typical charges on my card.  All the charges started appearing after I made that purchase. Over $1000 worth of charges in about 15 hours.   My computer is behind cisco network hardware and I scan it daily with malware and virus programs, which I have not found anything.  Makes me think the Utah DWR has something going on with their site or the company that hosts their site. 

But anyway, I have been looking into the Lifelock for a while now as this is making me consider it more.  I working in banking so have seen some pretty crazy stuff happen with identity theft and just wondering if anyone has any experience with using this program. 
 
There are so many ways to steal data. 
 
First, It could very well be on your computer.  There are too many ways to list on what it could be.  But don't think all of your scanning software can catch it. 
 
Second, it could be on the DWR servers.  Most times large institutional sites like that have some of the better tools to prevent that, BUT, not always.  It even includes hardware and proprietary network coding.  I have worked with Visa and Mastercard hardware.  Very slick stuff and very controlled.  But once it leaves their hardware it goes on the Public network aka: the internet.  Could even be an employee selling the numbers.  If they are PCI compliant then there would be a audit path and strictly controlled access for them to followup on.  If a non-PCI compliancy exposure has occurred then you have GOVT backing for reclaiming your losses.
 
Third, it could be the internet, with address hijacking.  Very popular among coupon, porn and gambling sites.  AGAIN, that is just one way on the internet, there are many...
 
Just like any other crime out there, no matter how you come up with ways to prevent it, criminals will figure out a way around it.  The internet is the wild wild west, laws are vague and weak.  Prosecution is difficult. 
 
I will give you and anybody else out there the same advice I give all of my family, use at your own risk.  If you have to use a type of electronic payment DO NOT use your Debit cards and DO NOT use a SS number for anything.  Its still a risk, but you minimize your exposure.  Using a CC with a good financial institute that has fraud detection and consumer coverage is the best route.  They will detect, stop and bear the brunt of the theft.  CHECK your bank on what you are liable for on your debit cards.  Most banks will make you cover the first $50 or $100 dollars.  The bad part is your acct is frozen and usually emptied for weeks until they figure this out. 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Urimaginaryfrnd Quote  Post ReplyReply Direct Link To This Post Posted: February/20/2010 at 21:44

I just had Chase call me up about a week ago their fraud department called me and asked If I had made a purchase from Indian Hills something and I said no I had not and they asked if my last purchase was at Scheels and had the amount and that was correct so I think someone got the card number from the gun dept at Scheels. Anyway they cancled my card and are supposed to send me another card.   Its going to get so bad eventually they will have to change the system.   Makes you miss the good old days where they billed you and you mailed them  a check.


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Post Options Post Options   Thanks (0) Thanks(0)   Quote Average Joe Quote  Post ReplyReply Direct Link To This Post Posted: February/21/2010 at 07:56
Originally posted by Urimaginaryfrnd Urimaginaryfrnd wrote:

I just had Chase call me up about a week ago their fraud department called me and asked If I had made a purchase from Indian Hills something and I said no I had not and they asked if my last purchase was at Scheels and had the amount and that was correct so I think someone got the card number from the gun dept at Scheels. Anyway they cancled my card and are supposed to send me another card.   Its going to get so bad eventually they will have to change the system.   Makes you miss the good old days where they billed you and you mailed them  a check.

Same thing happened to me with chase.
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supertool73 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote supertool73 Quote  Post ReplyReply Direct Link To This Post Posted: February/22/2010 at 15:18
I realize it could be my computer.  But I also use a smart swipe credit card scanner, so if they got it from that they are damn good.  It encrypts everything that is shown on my PC so I feel pretty good about my end.  But just to be safe I completely wiped out my computer right after I got the call my cabelas and installed new hard drives and OS as I have been meaning to do that anyway for maintainence purposes. 

I was just curious about adding more protection to myself in this day and age.  Thanks for the info so far guys.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote scooter65 Quote  Post ReplyReply Direct Link To This Post Posted: February/22/2010 at 15:36
If you are using smart card I believe that is the swiper that plugs into your computer?  That encrypts your card number right at the scanner.  Before the data even hits your computer.  If they are beating that, thats pretty darn good.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Blondebombshell Quote  Post ReplyReply Direct Link To This Post Posted: February/27/2010 at 18:34
Now that is scary!!!Whacko
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Ed Connelly Quote  Post ReplyReply Direct Link To This Post Posted: February/27/2010 at 19:03
Just use cash.  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote pyro6999 Quote  Post ReplyReply Direct Link To This Post Posted: February/27/2010 at 21:18
Originally posted by Ed Connelly Ed Connelly wrote:

Just use cash.  

you know a contractor i know around here told me a funny story about people who wont take cash.


this guys brother is a used car salesman, he travels all over the united states to go to car auctions. he took a red eye flight into phoenix arizona to make it to an auction. he got off the plane and went to go rent a car. he went to an unknown car rental company at the airport. he told them he wanted to rent a car for a couple of days. they said ok, all we need is a credit card and you are good to go. well the car salesman didnt do credit cards, and in fact he brought a brief case with $125K to buy cars at the auction. he told the clerk that he didnt have a credit card all he had was cash, they said well then we cant rent you a car then. he said well fine then i would like to buy one of your cars, and was getting ready to count out $15k in cash and they stopped him and said oh you cant buy one of our cars without a credit car either.Bucky dipsh*ts i tell you!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote jonoMT Quote  Post ReplyReply Direct Link To This Post Posted: March/02/2010 at 12:01
It might even be that someone brute force guessed the credit card number and even the security code on the back. I had a business Visa credit card compromised last year and Wells Fargo called me about a bunch of charges made in Israel. I rarely use that card for anything and was promptly issued a new one.
Reaction time is a factor...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote scooter65 Quote  Post ReplyReply Direct Link To This Post Posted: March/02/2010 at 12:09

My neighbor just yesterday told me about her card number getting ripped off.  She went out for breakfast, used a card she said she only uses about 6 times a year.  Two weeks later she got contacted from her banks fraud department.  Charges in Canada...   The waitress at the diner had written the card number down and was giving the numbers to her boyfriend who was selling the card numbers for cash. 

I guess this is common in the food services industry.  They recommend you contact the mgr and let them know you suspect it. 
 
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SVT_Tactical Quote  Post ReplyReply Direct Link To This Post Posted: March/02/2010 at 13:04
WE average 10 affidavits a week here at my office, all are debit or credit card related.  It happens to everyone no matter what, Its happened to me, Just pay atttention to your bank account, do have so many CC's you dont know each of them and what the balance should be and pull a credit report every 4 months (its free) 
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