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Identity Theft Hits Low- To Moderate-Income Victims Hardest
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macker490
macker490,
 User Rank: Ninja
10/19/2016 | 7:10:32 AM
good essay
when it comes to ID theft the megacorps quip "Meh" -- part of the Cost of Business

but when an individual gets hit it ain't funny

Teresa -- a co-worker -- got hit by ID grifters and they cleaned out her account -- right after payday.   we had to pass the has so she'd have gas for work and groceries for her kids for the week

the credit card companies all glibly claim -- we make good on any un-authorized charges.   Good luck with that-- it'll take months on the "phone tree" to get thru

Cut the Plastic   -- it's not secured.  

once you cut the plastic -- and go back to cash -- all of a sudden: you'll have money again.

 
T Sweeney
T Sweeney,
 User Rank: Moderator
10/19/2016 | 12:55:45 PM
Re: good essay
Thanks, macker490... perhaps like you, I hadn't really thought through the ramifications of lower wage earners hit by ID theft, and the time and expense required to clean up the mess.

And while cyber insurance is a growing field especially for large businesses needing coverage, it's highly unlikely that those with low and moderate incomes will shell out to cover the individual premium.
T Sweeney
T Sweeney,
 User Rank: Moderator
10/19/2016 | 12:56:04 PM
Re: good essay
Thanks, macker490... perhaps like you, I hadn't really thought through the ramifications of lower wage earners hit by ID theft, and the time and expense required to clean up the mess.

And while cyber insurance is a growing field especially for large businesses needing coverage, it's highly unlikely that those with low and moderate incomes will shell out to cover the individual premium.
T Sweeney
T Sweeney,
 User Rank: Moderator
10/19/2016 | 12:57:46 PM
Re: good essay
Thanks, macker490... perhaps like you, I hadn't really thought through the ramifications of lower wage earners hit by ID theft, and the time and expense required to clean up the mess.

And while cyber insurance is a growing field especially for large businesses needing coverage, it's highly unlikely that those with low and moderate incomes will shell out to cover the individual premium.
RichardS08701
RichardS08701,
 User Rank: Apprentice
10/20/2016 | 10:21:37 PM
Re: good essay
I noticed one of the study sponsors was LifeLock, so while there is no cybersecurity insurance per se available to individuals, there are many options with respect to credit and ID theft monitoring.  But, as the essay points out, the bigger problem is fixing the problem when it happens.  It is not just financially draning, it is stressful and time consuming to restore your identity with just one organization, never mind the multitude of companies, institutions and organizations that interconnect with your identity.  On top of that, other studies have reported that up to 70% of all ID theft cases involve legal issues.  Only one company offers full ID restoration and legal representation, and contractually offers to do whatever it takes, for as long as it takes, to fully restore your identity: LegalShield/IDShield.  Check them out.
Joe Stanganelli
Joe Stanganelli,
 User Rank: Ninja
10/23/2016 | 10:19:10 AM
Re: good essay
This is all the more reason why I am concerned rather than excited about Sweden's moves to a cashless society.  Electronic-based cash is subject to all the same problems as anything else electronic-based.
Joe Stanganelli
Joe Stanganelli,
 User Rank: Ninja
10/23/2016 | 10:20:43 AM
Theft
I tend to think this is true of all theft (ID or otherwise), but the stats are certainly eye-opening.  When you're higher up on the economic-empowerment echelon, you tend to have money spread across multiple accounts, and you either have more time to do things and/or you have more money to spend on paying people to take care of things.
jmyerson
jmyerson,
 User Rank: Apprentice
10/24/2016 | 4:26:51 PM
Undiscovered Vulnerabilities
Terry,

I found some vunerabiltties that have not been reported yet in any vulnerability databases.
T Sweeney
T Sweeney,
 User Rank: Moderator
10/24/2016 | 8:21:39 PM
Re: Undiscovered Vulnerabilities
Interesting, Judith... mind sending what you have to [email protected], please?


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