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BS: Cell Phone/Credit Card & Check Security & more

Fortunato 01 Nov 05 - 03:16 PM
Amos 01 Nov 05 - 03:19 PM
Rapparee 01 Nov 05 - 03:48 PM
wysiwyg 01 Nov 05 - 03:50 PM
Nigel Parsons 01 Nov 05 - 04:14 PM
Stilly River Sage 01 Nov 05 - 04:37 PM
katlaughing 01 Nov 05 - 05:13 PM
GUEST 01 Nov 05 - 05:19 PM
Dave Wynn 01 Nov 05 - 06:16 PM
Allan C. 01 Nov 05 - 07:09 PM
Fortunato 01 Nov 05 - 07:37 PM
number 6 01 Nov 05 - 08:03 PM
Rapparee 01 Nov 05 - 10:35 PM
number 6 01 Nov 05 - 11:07 PM
Stilly River Sage 01 Nov 05 - 11:26 PM
number 6 01 Nov 05 - 11:49 PM
Stilly River Sage 02 Nov 05 - 12:23 AM
Q (Frank Staplin) 02 Nov 05 - 11:53 PM
GUEST,Mr Red wearing glasses 03 Nov 05 - 07:56 AM
GUEST,Mrr 03 Nov 05 - 08:18 AM
Allan C. 03 Nov 05 - 08:37 AM
Stilly River Sage 05 Aug 22 - 03:12 PM
Stilly River Sage 10 Aug 22 - 06:18 PM
DaveRo 11 Aug 22 - 02:32 AM
Stilly River Sage 11 Aug 22 - 11:20 AM

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Subject: BS: Credit Card and Check Security Info
From: Fortunato
Date: 01 Nov 05 - 03:16 PM

I received the following and thought it good advice. Another mudcatter suggested I post it and here it is:

ATTORNEY'S ADVICE-----NO CHARGE

A corporate attorney sent the following out to the employees in his company.

1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.

2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED."

3. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check-processing channels will not have access to it.

4. Put your work phone # on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your chec ks, (DUH!). You can add it if it is necessary. However, if you have it printed, anyone can get it.

5. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. Also carry a photocopy of your passport when traveling either here or abroad. We have all heard horror stories about fraud that is committed on us in stealing a name, address, Social Security number, credit cards.

6. When you check out of a hotel that uses cards for! keys (a nd they all seem to do that now), do not turn the "keys" in. Take them with you and destroy them. Those little cards have on them all of the information you gave the hotel, including address and credit card numbers and expiration dates. Someone with a card reader, or employee of the hotel, can access all that information with no problem whatsoever.

Unfortunately, as an attorney, I have first hand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer and received a PIN number from DMV to change my driving record information online. Here is some critical information to limit the damage in case this happens to you or someone you know:

1. We have been told we should cancel our credit cards immediately. The key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.

2. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one). However, here is what is perhaps most important of all (I never even thought to do this.)

3. Call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit. By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases,! none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend (someone turned it in). It seems to have stopped them dead in their tracks.

Now, here are the numbers you always need to contact about your wallet and contents being stolen:

1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) TransUnion: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271


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Subject: RE: BS: Credit Card and Check Security Info
From: Amos
Date: 01 Nov 05 - 03:19 PM

Good public service notice. Thanks.


A


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Subject: RE: BS: Credit Card and Check Security Info
From: Rapparee
Date: 01 Nov 05 - 03:48 PM

Take the hotel keys and pass a magnet over the mag stripe a few times before turning them in.

If you send in a check with the payment stub for your credit card, your account number is on the payment stub.

Copying both sides of the credit cards is an excellent idea -- when our house was broken into we had reported the cards stolen within 90 minutes. (And no, we didn't feel violated -- but we were almighty pissed off.)

My wife and I have always had our initials and surnames on the checks, never our prenoms.

I wouldn't EVER consider putting my SSAN on ANYTHING except what is required by law to have it. And I MOST CERTAINLY wouldn't give it to a store clerk or use it to "guarentee" my check!


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Subject: RE: BS: Credit Card and Check Security Info
From: wysiwyg
Date: 01 Nov 05 - 03:50 PM

Didn't know that about card-keys. YIKES! Hardi's going to SH*T.

~S~


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Subject: RE: BS: Credit Card and Check Security Info
From: Nigel Parsons
Date: 01 Nov 05 - 04:14 PM

If you photocopy your passport, remember to keep the photocopy a securely as you would the passport itself, or someone can get a lot of information from it.
Shred the copy once your use for it is over.

Forename/title etc on cheques. Banks in the UK regularly use initials & surname, but for joint accounts it is standard for the man's initials to come first.
Avoiding having your forename or title on the cheque may cause as much trouble as it solves. If someone steals youre chequebook, and uses it with Bogus ID papers, the lack of a title makes little difference. But.. if the cheques say Mrs Mary O'Dwyer, I would have problems trying to cash them whatever additional ID I had.

Credit card companies ask you to put your account number on the face (or reverse) of cheques so that they can be paid to your account even if the cheque becomes separated from the payment stub either in the post, or during processing. Just using four digits is not much use to a card issuer with hundreds of thousands of clients.

The comments on room keycards may just be urban myth. Most hotels I've used recently who use keycards have them ready to provide before I even check in. These cards are coded to the room number, not the individual. The only connection to your details would be the fact that your details are recorded against your room number on the hotel's computer. If a miscreant has access to the computer they do not need your room card to get it. Charges made agains keycards for bar tabs and the like rarely get directed to the credit card of the user (e.g.if you're in a double with two cards). They get charged to the room number, and only charged to the cards when you check out and pay the bill.

Nigel


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Subject: RE: BS: Credit Card and Check Security Info
From: Stilly River Sage
Date: 01 Nov 05 - 04:37 PM

My computer was stolen last February. The idea of the information in that computer still wakes me sometimes, remembering some new thing that was in there (and in the backup drive that was also stolen).

Use your passwords appropriately--don't set your computer to always remember your passwords. Type them in each time. For that little bit of bother, it means if your computers go walkabout, your accounts aren't acessable. Don't save critical documents as PDF forms in your computer. Put them on disks that are kept elsewhere. I kick myself regularly--I had saved the PDF form of my income tax form, downloaded from the IRS, filled out, printed, and mailed. All critical information is contained on that PDF.

Change all of those passwords immediately if your computer is stolen. Just to be on the safe side.

SRS


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Subject: RE: BS: Credit Card and Check Security Info
From: katlaughing
Date: 01 Nov 05 - 05:13 PM

Thanks!


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Subject: RE: BS: Credit Card and Check Security Info
From: GUEST
Date: 01 Nov 05 - 05:19 PM

Start an MSN group and don't invite anybody. Use it to hold back ups of vital documents.

Some of Fortunato's advice will be specific to the USA. UK banks will require you to have your name printed on your cheques.


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Subject: RE: BS: Credit Card and Check Security Info
From: Dave Wynn
Date: 01 Nov 05 - 06:16 PM

Do you guys in USA have chip and pin cards?. A card that has a chip with information on it and a Personal Identification Number that must be keyed on a keypad when ever personal transactions are made e.g to buy an item they place your card in a reader to read the chip and you key your PIN on the keypad of the same reader to verify that this is your card.

This is getting more common use in Europe and UK and is deemed to have reduced card fraud dramatically. No one can copy your PIN (easily) and providing that you don't keep the PIN with your card you are pretty safe from fraud. As they become total in use the old idea of signature will cease and unless the thief has your PIN you are relatively safe.

While I am on the subject: we in Uk use a system called switch which is a debit (not credit card) that debits directly from your bank account. Most of them use chip and PIN now and I presumed that the USA would be in the forefront of this technology.

Just curious

Spot the Dog


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Subject: RE: BS: Credit Card and Check Security Info
From: Allan C.
Date: 01 Nov 05 - 07:09 PM

Sorry but I've gotta call "bullshit" on the hotel keycard thing. Read the myth debunking at Snopes.com


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Subject: RE: BS: Credit Card and Check Security Info
From: Fortunato
Date: 01 Nov 05 - 07:37 PM

Allan C. thanks, but the site you cite does not rule out present or future abuse. I think it's best to destroy them.

cheers


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Subject: RE: BS: Credit Card and Check Security Info
From: number 6
Date: 01 Nov 05 - 08:03 PM

Good info ... thanks Fortunato

sIx


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Subject: RE: BS: Credit Card and Check Security Info
From: Rapparee
Date: 01 Nov 05 - 10:35 PM

Run a magnet over the mag strip several times, THEN turn the key in. You'll have randomized the data -- and I've been at some hotels/motels were they charge extra if you don't turn in the key.


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Subject: RE: BS: Credit Card and Check Security Info
From: number 6
Date: 01 Nov 05 - 11:07 PM

Good idea .... but Who carries a magnet around with them, or who really wants to?

sIx


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Subject: RE: BS: Credit Card and Check Security Info
From: Stilly River Sage
Date: 01 Nov 05 - 11:26 PM

I do. It's the back of my library name tag. The magnet is so strong that I keep it, with my library keys and bottle of allergy eye drops in the little cel phone pouch on the strap of my handbag. I keep my cellphone and everything else well away from that magnet.

SRS


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Subject: RE: BS: Credit Card and Check Security Info
From: number 6
Date: 01 Nov 05 - 11:49 PM

Hmmm SRS ... ok.

Who else carries a magnet around with them?

sIx


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Subject: RE: BS: Credit Card and Check Security Info
From: Stilly River Sage
Date: 02 Nov 05 - 12:23 AM

It isn't lost on some of us that in this media age the last thing many folks in the library want to be wearing is a strong magnet! It simply seems to be the university's preferred nametag format from their chosen vendor.

SRS


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Subject: RE: BS: Credit Card and Check Security Info
From: Q (Frank Staplin)
Date: 02 Nov 05 - 11:53 PM

Canadian banks also require name, address and phone number on cheques.


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Subject: RE: BS: Credit Card and Check Security Info
From: GUEST,Mr Red wearing glasses
Date: 03 Nov 05 - 07:56 AM

In the days before cheque guarrantee cards (UK) I always asked if they had a junk mail list when asked for addresses on the back of cheques.

It focussed their minds suddenly - they could see a sale ebbing away.

My worry is the PIN machines for plastic we have here now (used them 20 years ago in NZ!). As an electronic engineer I know how easy it is to fudge one to store the numbers pressed. How can you know the machine is genuine? Sure when you use 20 a day that is dead easy innit?
Once they have the number all they need is the card - pickpockets are not exactly new tech.

But the simplest scams are often missed in all this technology. Once when buying petrol and was squinting at the sweets and crisps (chips) - as I walked away I noticed there were three items on the sales slip - Petrol, Crisps and Coke. Not only am I numerate and should wear glasses but I NEVR DRINK COKE - OK?
The guy tried some limp excuse about he must have picked-up the can to drink and it read in. Huh? while I was looking for crisps maybe - Yea he did it once accidentally and thought it was a lucrative wheeze.


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Subject: RE: BS: Credit Card and Check Security Info
From: GUEST,Mrr
Date: 03 Nov 05 - 08:18 AM

Wow - shoulda read this before posting!


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Subject: RE: BS: Credit Card and Check Security Info
From: Allan C.
Date: 03 Nov 05 - 08:37 AM

I've worked in a number of hotels and frankly none of the keycard readers/coders had the ability to do anything more than to store the door code and the expiration date. Besides, as was indicated in the Snopes page, the hotel clerks already have access to your address and credit card info, so what would be the point of going to all the trouble of adding it to the keycard? Even the most sophisticated readers/coders I've used in hotels - even the ones that were connected directly to the computers - weren't putting anything "extra" on the cards. If someone really wanted your credit cards or info there are countless better ways to get it. For instance, recently, in Dallas, there was a problem in some of the local restaurants. Some of the wait staff were surreptitiously using small, pocketable scanners (called "skimmers") to steal the customers' credit card info before ringing the sales. They would store lots of numbers each shift and then the info was used to create counterfeit credit cards. So sure, go ahead and keep the keycards and destroy 'em if it'll make you feel better; but there are many other things about which you should probably be more concerned.


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Subject: RE: BS: Credit Card and Check Security Info
From: Stilly River Sage
Date: 05 Aug 22 - 03:12 PM

I'll just tack this onto an existing thread with some good (though dated) security info.

FCC warns of steep rise in phishing over SMS is from Malwarebytes, software I pay for every year. Their newsletters are interesting.

I wasn't aware that there is a way to forward spam to the FCC before deleting it. The number to forward to is 7726 (SPAM). Look to the little dots on your phone when you have the text in front of you (but haven't clicked or opened anything!) and you'll find ways to forward. Then block the caller and delete the spam.


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Subject: RE: BS: Cell Phone, Credit Card & Check Security Info
From: Stilly River Sage
Date: 10 Aug 22 - 06:18 PM

Another interesting security article today: Researcher Hacks Starlink Terminal to Warn SpaceX of Dangerous Flaws
Lennert Wouters has apparently made the details of his hacking tool open source.
A researcher from Belgium created a $25 hacking tool that could glitch Starlink’s internet terminals, and he is reportedly going to make this tool available for others to copy. Lennert Wouters, a security researcher at KU Leuven, demonstrated how he was able to hack into Elon Musk’s satellite dishes at the Black Hat Security Conference being held this week in Las Vegas, Wired reported.


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Subject: RE: BS: Cell Phone, Credit Card & Check Security Info
From: DaveRo
Date: 11 Aug 22 - 02:32 AM

That FCC SMS link gives me a 404. It seems to be here
https://www.malwarebytes.com/blog/news/2022/08/sms-phishers-are-increasingly-attacking-americans-fcc-warns


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Subject: RE: BS: Cell Phone/Credit Card & Check Security & more
From: Stilly River Sage
Date: 11 Aug 22 - 11:20 AM

That Malwarebytes link came via a Facebook page without a very durable link, apparently. It might be in here somewhere for poking around. You reproduced the correct article with the new link.


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