Print Page   |   Your Cart   |   Sign In
Finance & Legal
Group HomeGroup Home Blog Home Group Blogs

What You Need to Know About the Equifax Data Breach

Posted By Kenyatta Turner, LegalShield Independent Associate, Friday, September 15, 2017

What you need to know about the Equifax Data Breach:

Equifax, Inc – a major credit bureau, announced on Thursday, 9/7/17, that a massive data breach was discovered in July, which may have exposed names, birth dates, Social Security numbers and addresses of approximately 143 million U.S. consumers. The current US population is approximately 326 million, so this data breach potentially affected 44% of Americans! In addition, a smaller amount of driver’s license numbers, credit card numbers and certain documents were obtained. The breach lasted from mid-May to July of 2017.

This is just the latest example of how, no matter how careful you are, there are forces beyond your control that can still lead to your personally identifiable information being exposed.

At IDShield, we know how stressful data breaches are, and we are here to help.  As a member, please know:

  • You have full access to our dedicated and experienced licensed private investigators to ask any questions and get help if you are worried that you are a victim of fraud.
  • You have proactive credit monitoring through Experian and will be alerted if there are any changes to their credit report.

If you are not a member of IDShield, there are still steps that you can take to provide an extra layer of security.

  • First, set up a fraud alert. This will reduce the chance of a fraudster opening a credit or loan account in your name. If you place the alert with one bureau, they will ensure its placed on the other bureaus as well. Fraud alerts last for 90 days, but can be renewed. You can search online for placing a fraud alert and select one of the main bureaus to set it up through. To sign up via Experian, use this link: https://www.experian.com/fraud/center.html. To sign up via TransUnion, use this link: https://www.transunion.com/fraud-victim-resource/place-fraud-alert.
  • Second, be diligent. Don't give out your personal information if it sounds fishy. IDShield members, if you're unsure, this is a great time to call your licensed private investigator for advice!
  • Third, change your passwords for online banking and other finance accounts. This will reduce the risk of your money or assets being moved fraudulently. As you change your password, use your IDShield Vault password manager to generate a new strong password!

And of course, if you don’t yet have IDShield, this is a great time to sign up for comprehensive identity protection and full service, white glove restoration. Visit www.idshield.com to learn more!

 

I'm here to help, so please do not hesitant to contact me!

Kenyatta Turner, LegalShield / IDShield Independent Associate, 602-367-1069

 Attached Thumbnails:

Tags:  data breach  financial  financing  fradulent  fraud  hackers  identity protection  law  lawyer  Legal  legal advice  legal services  legalshield  lending  loans 

Share |
PermalinkComments (0)
 

America is Now Known as the Land of the Free and Home of the Hacked

Posted By Kenyatta Turner, LegalShield Independent Associate, Saturday, April 8, 2017

America is Now Known as the Land of the Free and Home of the Hacked

by David Coffey, Opinion Contributor - 3/31/17

 

Unfortunately, Americans are now familiar with identity theft, from having experienced it themselves or personally knowing a victim of this insidious crime.

The Consumer Sentinel Network, maintained by the Federal Trade Commission (FTC), tracks consumer fraud and identity theft complaints. Of the 3.1 million complaints received in 2015, 16 percent were related to identity theft, which represented an increase by more than 47 percent from 2014. In fact, identity theft is reported as America’s No. 7 fear — before economic collapse and right after biowarfare.

This is not at all the case in Europe. Except for the U.K., our neighbors across the Atlantic barely know about identity theft. There are a number of systemic reasons for this happier situation, and some of them should inspire our policymakers here in the U.S.

Identity theft starts with the misappropriation of a victim’s personal identifiers. I am sure that none of the readers of this article would ever write their home address or license plate number on their set of keys. Then, by the same logic, why would they be okay with having their identity’s safety rely on a single all-purpose identifier?

Just like an armored door is built with numerous reinforced key points, an identity should be protected via the combination of more than one identifier. This is common sense. Unfortunately, this is not how our system works — and the culprit is our social security numbers (SSNs).

SSNs were created in 1936 to keep track of the earnings history of U.S. workers for Social Security benefit computation purposes. Their purpose was limited. Today, SSNs have become the national identifier used by both the government and the private sector as a way to identify and gather information about an individual’s financial life.

Efforts have been undertaken to curb this expansion, from legislation such as the prohibition of displaying the SSN on driver's licenses or motor vehicle registrations, to recommendations including the President's Identity Theft Task Force asking that federal agencies reduce the unnecessary use of SSNs, which they called “the most valuable commodity for an identity thief,” and the FTC’s plea to private entities to find better ways to authenticate identities.

Despite these efforts, SSNs still reign unchallenged. An identity thief only needs to get his or her hands on the 9-digit number, which is registered in many places, to steal a person’s identity and wreak havoc in their lives, from opening fraudulent credit card accounts to filing fake tax returns and more. But in Europe, social security numbers are used for retirement benefits only. An identity thief would need a person’s national ID number, which appears in very few places, and banks often additionally require a copy of a passport or identity card to prove an identity.

Once the fraudster has gone to the trouble of acquiring these precious personal identifiers, he’ll want to make money off it. And what better way than to gain access to the victim’s bank account? In America, where the use of credit cards is largely accepted, the damage an identity thief can cause is immense, because it is not limited to the amount of money present is the victim’s bank account when the theft occurs. A huge sum of credit card debt can be amassed by a thief on a shopping spree.

Meanwhile, the majority of Europeans use debit cards, which limits the losses one would endure. What’s more, the United States is one of the last countries to still use magnetic strips which are easy to replicate and therefore more liable to identity theft. European countries use a system called EMV, which adds a security layer in the form of a PIN to credit card purchases.

Part of the shift to cards embedded with an electronic chip to greatly boost security, the PIN system was introduced in the U.S. starting in 2013, but despite the liability shift — entailing that retailers who do not buy the technology used to authenticate transactions be held accountable for any fraud that occur in their store — only 37 percent of U.S. stores now accept chip cards.

It will take some time for banks to update all of their ATMs. Besides, thieves have already found a way around it: they simply create a new bank account under the victim’s name, or make purchases online where the PIN number is not required.

At the end of the day, protecting oneself and one’s family from identity theft requires each of us to take decisive steps. Control your personal identifiers closely. Sign up for monitoring of your accounts, so you’ll get a warning of unusual activity. Finally, if your identity is stolen, be prepared to have a private investigator take the necessary steps to restore your identity to its pre-theft status.

Dave Coffey is senior vice president and chief digital officer of LegalShield, a leading provider of protection against identity theft solutions.

 

Kenyatta Turner, MM
Independent Associate | Executive Director
Business Solutions | Employee Benefits
www.kenyattaturner.com | (602) 367-1069 
 

Tags:  Employee Benefits  fradulent  fraud  identity protection  identity theft  Legal  legalshield  mobile apps 

Share |
PermalinkComments (0)
 

New App Connects Directly to an Attorney to Resolve Traffic Tickets with Snap by LegalShield

Posted By Kenyatta Turner, LegalShield Independent Associate, Monday, June 27, 2016

— LegalShield is making it easier than ever for customers to resolve traffic tickets with Snap by LegalShield, a new feature in the updated LegalShield app that will be available on July 1. Snap allows members to take a picture of a traffic ticket and, through the app, send it directly to their dedicated LegalShield law firm. Compared to similar apps, Snap is more cost effective, offers access to more legal services and is more widely available.

This app is important because it makes it simple for consumers to take immediate action and get help from a trusted resource. In addition to the cost of the ticket, traffic violations can add points to a driver’s motor vehicle record that may lead to higher insurance premiums for the next several years. For example, only five percent of people contest their speeding tickets in court, meaning more people choose to pay the ticket, court and insurance costs over paying high attorney’s fees to fight the ticket.

With Snap, users don’t have to choose between costs associated with the ticket and costs associated with representation by an attorney. Snap is included in a monthly LegalShield membership, which starts at $17.95 per month. Other apps have starting attorney costs of more than $100. Hiring an attorney directly can cost $250 or more per hour. Snap, as with all LegalShield services, is available in 49 states (with coverage in Alaska coming soon). Competitor services are available in fewer than 20 states or in “select cities and states.”

In addition, all tickets are serviced by LegalShield’s dedicated, one-of-a-kind network of law firms and experienced attorneys. LegalShield offers the convenience of DIY technology with the assurance of a high-quality, full-service law firm. In fact, to ensure member satisfaction and quality, members are surveyed after every interaction with a lawyer and rate their experience using a Net Promoter Score (NPS). The average NPS for LegalShield is 56, putting the company on par with companies like Apple and Nike.

“Every year, more than 41 million people receive speeding tickets across the country, and now the LegalShield app can serve all Americans, especially during the Fourth of July holiday—iconic for fireworks, bar-b-ques and moving violations,” says Jeff Bell, CEO of LegalShield. “Police activity increases nearly 50 percent around the peak holiday travel times, which undoubtedly results in more tickets. We want everyone to obey the law and be safe, but this app is ready when a ticket is issued.”

But Snap is for more than speeding tickets. For no additional fee, Snap includes:

  • consultation and representation for moving violations—like speeding tickets and failure to yield tickets—that do not result in a misdemeanor or felony;
  • consultation and representation for motor vehicle collisions, including defense by an attorney on any criminal charge for manslaughter, involuntary manslaughter, negligent homicide or vehicular homicide, arising from permitted use of a licensed motor vehicle;
  • up to 2.5 hours of attorney assistance to collect property damage claims of $5,000 or less when a member experiences property damage as a result of driving, being a passenger in or being struck by any motor vehicle;
  • up to 2.5 hours of attorney time when a driver's license is denied, cancelled, suspended or revoked and the right to appeal is provided;
  • up to 2.5 hours of attorney time when legal assistance is needed to reinstate or maintain a driver's license because of job-related matters or medical reasons;
  • consultation and representation with an attorney who has a minimum of two years of experience practicing law and is in good standing with the state bar association; and
  • response from an attorney within eight business hours.

For other violations or moving violations that do result in a misdemeanor or felony, LegalShield members are afforded a preferred member discount to their attorney’s fees, which can greatly reduce the financial burden of legal proceedings[i].

Snap is just one feature of a broader array of benefits for LegalShield members. For as low as $17.95 per month, LegalShield members get access to a dedicated attorney with an average of 19 years of experience in areas such as family matters, estate planning, financial and business issues, consumer protection, tax, real estate, benefits disputes and auto/driving issues. LegalShield also includes 24/7 emergency access to a dedicated provider, meaning members are always protected.

“It took decades to build our network of attorneys—one firm at a time, one state at a time. The relationships we have with our providers and the commitment they have to helping our members is unparalleled,” says Bell. “And together, we are furthering our commitment to broadening access to legal advice by not only providing the best legal services, but the best technology to access legal help.”

To purchase a LegalShield membership, visit www.LegalShield.com/hub/KenyattaTurner or call 602-367-1069. Note there is a 15-day waiting period between the start of a LegalShield membership and eligibility for coverage on some traffic violations. - LegalShield Blog

 

For more information about LegalShield or IDShield for yourself, your family, your business, or your employees, please contact Kenyatta Turner, Independent Associate at 602-367-1069 or KenyattaTurner@LegalShieldAssociate.com.  Worry Less...Live More!

 Attached Thumbnails:

Tags:  attorney  court  driving  law  lawyer  legal advice  legal services  legalshield  mobile apps  safety  traffic 

Share |
PermalinkComments (0)
 

Affordable Dental Plans for ASBA Members

Delta Dental of Arizona

2 employees? No problem! We’ve got a dental plan to meet your needs & budget. Click to learn more!

LEARN MORE

Join ASBA

ASBA

ASBA is the most powerful resource for your business in Arizona. We ensure the tools we offer are valuable and support the growth, education and connections necessary for today’s top business minds.

LEARN MORE

Enterprise Bank & Trust

ASBA

Enterprise was founded on the idea of serving the lifetime financial needs of privately held businesses.Today, we continue to empower privately held businesses and also help families to secure their financial futures.

LEARN MORE

RSVP

Coffee Connect with ASBA

REGISTER

Date: Held monthly
Time: Click for times based on location

RSVP

ASBA Speed Networking

REGISTER

Date: Held monthly
Time: Click for times based on location

Have Questions on Health Insurance?

Health Insurance

Do you have questions on plans for Individual, sole proprietor, or group? We can get the answers needed to make sure you find the right plan for you and your employees.

LEARN MORE

Investment Partner Program

CopperPoint

ASBA’s investment partner program delivers your brand throughout Arizona. Share insights, connect with small business and highlight your company’s involvement with the association. Contact Jodi Towns to get started.

LEARN MORE

Speakers Forum

Speakers Form

We are looking for dynamic speakers to present inspiring content at our events. If you or someone you know is experienced capturing a crowd and delivering insightful topics we invite you to apply today.

APPLY TODAY

Association Management Software Powered by YourMembership  ::  Legal