Igotmyidentitystolen.com Is Front Site for Lifelock?

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It certainly appears that way. There's almost no content at http://www.igotmyidentitystolen.com/, just ads and links to Lifelock.com.

If it really is a front-site, then Lifelock's advertising campaign is even more aggressive than I thought! I already knew they advertise heavily on websites, but I've seen comments and reviews on many websites that read more like planted ads than actual reviews.

Case-in-point, some guy that left a nice long comment complaining about my views on fraud alerts who's website has another giant ad for Lifelock that's supposed to be a "review", but with all the ads, it's hard to believe that he's impartial.

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Major League Soccer Online Store Customers Exposed to ID Theft

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Another data breach, blah, blah, blah. Remember to freeze your credit and never have to worry about this stuff again.

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Georgetown University Data Loss – ID Theft to Follow?

Keep data safe? Pshaw.
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Georgetown U lost a hard drive full of personal data on students and staff. Of course, if they get a credit freeze, they won't have as much to worry about.

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Industry Grows Around ID Theft Prevention

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Rather than preventing the problem, many companies are satisfied (and make tons of profit) by inventing new services to attack the symptoms rather than the problem.

Don't waste your time or money. Get a credit freeze and don't worry about all the snake oil.

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TJX Data Breach Up to 94 Million Victims

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If you've been following this breach, the key problem here is two part:

1) TJX is the parent company of several other companies including TJ Maxx. Each of those companies shared data with TJX creating a massive database (and a single target for the hackers).

2) TJX (and others) shouldn't have stored the credit card data in the first place and when they did, they should have used better security.

Though they'll blame "clever hackers" for the breach, the fault instead lies squarely with TJX who's business practice of storing credit cards against people's will along with negligent use of outdated wireless encryption (WEP) first created a giant target and then then left a gaping hole for the bad guys to be able to go and get it.

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HR Firm Loses Laptop

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Here we go again. At least this time, it's only on the order of a few hundred thousand people.

Note: it's a little sad to have to say that.

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Identity Theives Use Mostly Low-Tech to Steal Your Identity

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Due to the data breaches and high profile cases of laptops gone missing, people can easily forget that ID theft is easy to pull off without high technology skills.

[the study] found that, by and large, much of today's identity theft is still carried out using old-school methods, such as mail theft and dumpster diving. Thieves also used information from public records to piece together an individual identity, and many stole information from retail outlets like stores and gas stations.

Be sure to read my Identity theft/Identity protection guide for more information about preventing people from getting and using your data.

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Victory! All Three Companies to Offer Credit Freeze Protection!

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Consumeraffairs is now reporting that the last credit reporting company, Experian, will now be offering credit freezes in all 50 states, just like the other two.

Credit freezes have always been the quickest, strongest, and most effective way to reduce identity theft. And while this is true:

All three credit bureaus had staunchly opposed credit freezes in the past, claiming the practice would harm consumers seeking credit and slow down industries that depend on instant access to credit.

If you've been reading how instant credit is destroying lives and burying people under mountains of debt they can't handle, this doesn't seem like a problem at all.

Anyway, they're not all in effect yet and I think that further legislation would be good to make sure that these companies don't worsen the deal over time, but it's a damn good start.

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Second Credit Reporting Company to Offer Credit Freeze Protection!

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Perhaps Equifax is seeing the same gate closing on them that Transunion did. They are the second of the three credit reporting companies to offer credit freeze protection.

The credit and financial industries have aggressively lobbied against credit freeze laws, claiming they would reduce the availability of credit and discourage shoppers from making big-ticket purchases due to the time spent unlocking a credit account.

And that's bad how? If people have to spend $10 or so to unlock credit and have to spend more time to do it, maybe they won't be so quick to get into credit card debt. Anyway, with so many states having already passed freeze laws, I guess the credit reporting companies are trying to preempt the states that haven't by offering it first.

Either way, it's good news for everyone. Hopefully, the states will still pass regulation requiring fast and easy access to unlocking credit and a lower fee as well, but it's a dang good start. Now let's see if Experian follows the other two.

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Transunion Credit Reporting Company to Offer Credit Freezes Nationwide!

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TransUnion becomes the first credit reporting company committed to providing U.S. consumers in all 50 states and the District of Columbia with the ability to freeze their credit files, should they feel that step is warranted.

The pricing is as follows:

-- Free to add, lift or remove for all ID theft victims -- $10 to add, lift or remove for non victims

Before, there were only certain states with freeze laws, but Transunion is making the move to allow freezes anywhere!?

That's a surprising move. With this, they've basically voluntarily shot themselves in the foot as far as selling credit monitoring services.

This is probably some kind of public relations "first strike", but as long as there aren't any scary drawbacks or fine print (and it doesn't appear there are any so far), this is awesome. Let's hope the others follow suit.

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warranties Tutorial
|INDEX|next: Extended Warranties
First, always learn what coverage you get for free from the manufacturer.
When offered an extended warranty, make sure you understand the basics.
They want you to buy it, but is it as easy to use as they say?
Know beforehand what circumstances and terms put the purchase of a warranty in your favor
Once you need to use the warranty, make sure you know the steps to take.
Finally, learn why you should even bother with this mess.
Now it's time to make the decision of whether to buy or not.

... or check out any of my other guides and tutorials by clicking here!

Manufacturer Warranties

Products you purchase in the store almost always have warranties already. Depending on how good it is, you could be completely wasting your money buying an extended one when the default one will do.

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Extended Warranties

What is an extended warranty and how do you know when you see one?

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Surprise! You're Not Covered

If you're going to spend your money on a warranty, first consider all the factors.

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Learning the Warranty Odds

Learn what important aspects of a warranty you need to look for to make sure you're getting a good deal.

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How to Use Your Warranty

Once it's time to use your warranty, make sure you know how to navigate the system.

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Warranty Successes

Read some examples of how I've personally used warranties in my favor over the years.

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Warranty Decision

In the end, how do you decide whether to buy the warranty or not?

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