| 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.