AssemblyAccess

Archive for the ‘Security’ Category

Credit Card Fraud

If you have several credit cards that are in your name, it makes sense to know how to protect yourself from credit card fraud. It won’t always be as obvious as seeing large cash advances drawn out of your credit limit, it can be as subtle as gas purchases that look like yours until you realize your card is stolen. There are some good habits you can start to make sure you spot trouble the moment it happens, to help you recover any losses that might occur due to credit card fraud.

Tips to Help You Prevent Credit Card Fraud

• Know your numbers – List the credit card numbers somewhere safe. Many credit card companies aren’t even listing the account number on bills anymore, and just use the last four digits. If you lose your card, you will have to know those numbers to help you close the account or put a watch on it. Do this ahead of time and you will be able to handle the problem much more easily.
• Pick one, store the rest – If you have several cards, pick one to carry and use and store the rest in a safe place for other major purchases. This way, the chances of you losing all of them at once is lessened should someone steal your purse or wallet. 
• Don’t hand it over – Credit card theft can happen when you lend your kid the credit card to get gas and find additional expenses on it later. It can happen when you hand the card to waiter who goes to the back and swipes it in a card sniffer that reads your credit card strip and puts your account information into a database for fraud later. The best way to use a credit card is right in front of you and within your full control.
• Read your statement – If you think that you only need to look at your statements when you make a purchase, you are wrong. Fraud can happen at any time and the quicker you catch that fraudulent entry the better.
• Report inconsistencies – If you do see an entry you don’t understand, be sure to notify the credit card company to get it resolved. Often, the entry will give information on what you bought and from whom, with a telephone or website address. In that event, you can call the vendor directly to see if you did buy this item or it is a case of fraud.

Identity Theft

Welcome to the LifeLock, the right place for you who want to find the leader of the protection of your card identity. You can trust LifeLock with the affordable cost offer to you and also many advantages by LifeLock. The theft is the biggest dangerous enemy and the smart one by steal someone identity of your private identity. You need to join with LifeLock company because they will very nicely give you the best service and the guarantee your safe identity from the theft. With the affordable price, you can join as the membership of the LifeLock and you can enjoy the programs that offered to you.

For more information you can search the LifeLock review, you can get many information such as the programs of LifeLock offered to you, the services, advantages, procedures, guarantee and many more, you can compare LifeLock with any company if necessary. If you’ve got lose your wallet while the card that you save in wallet will also lose, you don’t need to worry because the LifeLock will proactive searches for the sale of your identity on the black market. It is kind of the excellences of the LifeLock that offered to you. So, save your money nicely in your wallet, and trust the LifeLock as your money protection. Your identity card will save safely even the smartest theft cannot moved your identity card to their wallet.

Identity Theft

Whenever we keeping personal information confidential, one ought to check, their credit reports every couple of months so they are aware of any changes. A lot of companies will present to monitor the 3 most important credit bureaus on a daily or weekly basis for deceitful activity, which would be incorporated in the price of the monthly or yearly defense fee, but well worth it.

While a credit story is not watched identity theft protection cautiously, it could be months before the injure is discovered and it would be too late to catch the criminals and correct the problem will be harder the longer time passes. We cannot articulate with conviction that the recent bank problems are all aware of has, devoid of question, completed banks and their uniqueness theft protection policies, procedures, methods, and joystick more vulnerable.

Identity Protection

Shopping on the online network is not something strange anymore. It was strange in the past, but as the times went by, we might consider that this is the simplest media to get some stuff. We could visit some interesting websites that contain of many things that we need to get. When we needed to pay it, most of us used the credit cards to make it simple. It means, we had to insert some data such as the names.

We will also have to insert our credit card numbers to the site so they can continue the process. It seems so simple, but does it seem as secure as it looks? We have billion reasons to doubt that. We might not know what is behind the site. The site might be cracked by some crackers who want to get our personal data so they could use our personal data for their benefits. That is absolutely why we should use the LifeLock.

It’s a kind of security service to secure our online personal data usages from some possible id thefts. We could read some info on Id-theft-security.com. For further info, the LifeLock.com would inform us with the complete items. We may get the info about the LifeLock Promotion price too so we may get it cheaper.

Check Fraud

Convenience is the offspring of the twenty-first century. But even with the advancements afforded by technology, some still opt for more traditional methods. One such example is evident in the finance and banking industry. Despite the advent and development in online banking, many account holders still maintain the use of checks. In fact, roughly 15% of the nation’s population still depends on checks for executing transactions. These 15% are also the prime targets of one of the most damaging violations in the financial industry: check fraud.

Entrepreneur Weekly, an online business magazine, reports of an American Bankers Association data that says that there is a 25% annual growth rate of check fraud cases in the country. At this rate, check fraud is indeed a serious threat to the security and privacy of anyone-from the multi-million dollar company to the average wage earner.

However, even if you belong to that 15%, you still have the option not to fall into the trap of hoaxers and scammers. Here are some tips that, if all together applied, will help you stop check fraudsters from getting their swindling hands on you:

There are no exceptions

Create a tight policy on check acceptance. This policy should require associative information, a list of valid ID forms, and dollar limits. There should also be no exceptions to the rules. Remember that the greatest con artists are creative in finding ways of concocting situations that distract you into taking a bad check.

Feel the check with your hand

Get familiarized to the “feel” of a genuine check. This will allow you to spot the fakes, even just by mere touch of it. Fakes are usually lighter than the real ones. Moreover, most authentic checks, save for the government-issued ones, have perforated edges on at least one side.

Check for signs

Pay close attention to the check writer as he or she signs the check. Also, ask the customer to write his or her name below (in print), should the signature be illegible. Most of all, don’t forget to compare what he or she had written with the specimen signature in his or her information sheet.

Look at the numbers in the check

You could be familiar with the numbers written on the lower portion of your check. You may have also observed that their font differs from the others and wondered why this is so. Well, those series of numbers is called an MICR line. MICR means magnetic ink character recognition. These numbers are printed with the use of an MICR toner that possesses magnetic particles of the iron oxide additives variety. These additives allow the reader-sorter machines to read checks.

As a check is run through a reader-sorter, the MICR line scans across and causes the iron oxide to become magnetized, thus, emitting a signal. Then the check is read by a “magnetic read head.” Upon the contact of the magnetic head and the MICR line, an electromagnetic field, called a flux pattern, is detected. The current created by the flux pattern allows the MICR series to be processed and recognized by the machine. The potency of an MICR toner ensures the readability of your check’s MICR series. It is important to note the quality and appearance of the check’s MICR line. Most fraudulent checks use a different kind of ink to change the MICR number sequence of a check.

If used wisely, and maintained in all the check transactions you make, there is no chance in the world for you to fall victim to fake checks. Remember that an ounce of prevention is better than a pound of cure.