Credit card fraud is just one type of identity theft. While a thief may use your information to apply for a new credit card, some types of identity theft don't involve credit cards at all. Someone with a bad credit rating may use your personal information to get a car loan, acquire phone, cellular service, or another utility service, or open a bank account in your name. Such cases of identity fraud can be seriously damaging, since you may not realize anything is wrong until you notice unfamiliar charges on your monthly bills or statements Be proactive not a victim - for $10/month Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
Call me to learn how to protect yourself against identity theft
http://www.prepaidlegal.com/hub/jamille
18002351327
Monday, February 28, 2011
What are the different types of identity theft? #legal411
How identity thieves use your personal information. #legal411
- Opening new credit card accounts using your name, date of birth, and Social Security number. When they use the credit cards and don't pay the bills, the delinquency is reported on your credit report.
- Establishing phone or cellular service in your name.
- Opening a bank account in your name and writing bad checks on the account.
- Counterfeiting checks or debit cards, and draining your bank account.
- Buying cars by taking out auto loans in your name.
- Calling your credit card issuer and, pretending to be you, changing the address on the account. Bills get sent to the new address, so you don't realize there's a problem until you check your credit report.
- Filing for bankruptcy using your name to avoid paying debts they've incurred under your name.
Be proactive not a victim - for $10/month
Call me to learn how to protect yourself against identity theft
Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
http://www.prepaidlegal.com/hub/jamille
18002351327
Sunday, February 27, 2011
How DO thieves steal your Identity? #legal411
First, they steal your personal information by...
- Going through your mail or trash, looking for bank and credit card statements, pre-approved credit offers, and tax information.
- Gaining access to your data that was lost or stolen from a company you do business with.
- Stealing personal information from your wallet or purse such as identification, credit, or bank cards.
- Masquerading as a trusted company web site to trick you into giving them your personal information -- also known as phishing
- Completing change-of-address forms to redirect your mail.
- Installing viruses or trojan horses gain access to data stored on your computer
- Obtaining your credit report by posing as a landlord or someone else who has a lawful right to the information.
- Acquiring personal information you share on sites that lack Internet security.
- Buying personal information about you from an inside source -- for example, a store employee that gets your information from a credit application or by "skimming" your credit card information when you make a purchase.
- Getting your personnel records at work.
Be proactive not a victim - for $10/month Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
Call me to learn how to protect yourself against identity theft
http://www.prepaidlegal.com/hub/jamille
18002351327
What is identity theft and how does it strike? #legal411
First, what exactly is identity theft? Identity theft occurs when someone steals your personal information to take over your credit accounts, open new ones, take out a loan, rent an apartment, access bank accounts, or commit many other crimes using your identity.
When it strikes, the effects can be devastating. What's more, because it frequently involves no physical theft, identity theft may not be noticed by its victims until significant damage has been done -- often, several months and thousands of dollars later.
Be proactive not a victim - for $10/month
Call me to learn how to protect yourself against identity theft
Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
http://www.prepaidlegal.com/hub/jamille
18002351327
Saturday, February 26, 2011
Identity theft fact4 #legal411
Be proactive not a victim - for $10/month
Call me to learn how to protect yourself against identity theft
Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
http://www.prepaidlegal.com/hub/jamille
18002351327
Identity theft fact3 #legal411
Be proactive not a victim - for $10/month Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
Call me to learn how to protect yourself against identity theft
http://www.prepaidlegal.com/hub/jamille
18002351327
175,000 truck drivers could lose their jobs as soon as CSA2010 is implemented. It is projected that 47.9% of the U. S. trucking companies could fail. #legal411
This is why the FMCSA, itself, has projected that 175,000 drivers could lose their jobs as soon as CSA2010 is implemented. Furthermore, they project that 47.9% of the U. S. trucking companies could fail.
Driver Safety Rating Points System
Drivers will also face a level of severity rating system that will be assessed under the new initiative, scheduled to be implemented in July, 2010. Based on the violation, drivers will be given a severity rating between 1-10, with 10 being the highest. This rating will then be used in a mathematical formula to determine the total points against the driver, which in turn, will determine if the driver has reached the maximum number of points allowed by CSA2010. The actual limit of points a driver or carrier can reach before being in violation, is yet to be known . . . at least, I have not been able to locate it.
However, the level of severity rating system is quite disturbing. Keeping in mind that severity will be rated between levels 1-10, with 10 being the highest, here are a few examples of what severity level rating a driver will be assessed for several violations:
- Violate a state or local ordinance or regulation: Level 1
- Violate hours of service : Level 7
- Operate a CMV with inoperative headlight/tail light: Level 6
- Violate that a load is not secured : Level 10
- Operate a CMV while ill or fatigued : Level 10
- Operate a CMV with a leaky tire : Level 8
- Operate while DUI : Level 10
So, What Does this all Mean for the Driver?
So as drivers, you must understand that if you do your pre-trip inspection and everything is fine and good to go, and you drive 50 miles and catch a nail in the tire and DOT pulls you over and discovers the leaky tire . . . you will be hit with a Level 8 severity rating. Still, the total number of points allowed before being punished by CSA2010, has not yet been determined by myself . . . I have not been given the answer to this question by anyone else either.
In the case of CSA2010, time is on your side as a professional driver. The algebraic equation to be used to determine the total points against drivers varies between the different measures within the system. Basically, it is determined by taking the total time and severity level ratings/violations, divided by the number of time relevant roadside inspections. All clear now?
This means that severity levels and points can reduce over time. If you get hit with a Level 8 for a leaky tire, but do not have another violation for six months, when the calculation is performed to determine your points, the points will go down due to the length of time that has passed between the two violations. This is why I say that time really is on your side.
Truck drivers, once CSA 2010 is enforced and NIC Technologies takes over the DataBase from the FMCSA, you will not be able to challenge the false information through FMCSA’s system.
Be proactive not a victim - for $37/month
Call me to learn how Prepaid Legal can assist you.
Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
http://www.prepaidlegal.com/hub/jamille
18002351327
Friday, February 25, 2011
Identity theft fact2 #legal411
"More than 27 million Americans have been victims of identity theft in the last five years.... To deal with the problem, consumers reported nearly $5 billion in out-of-pocket expenses."
-The New York Times
Be proactive not a victim - for $10/month
Call me to learn how to protect yourself against identity theft
Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
http://www.prepaidlegal.com/hub/jamille
18002351327
Identity theft fact1 #legal411
Be proactive not a victim - for $10/month
Call me to learn how to protect yourself against identity theft
Ja'Mille Wilborn - Manager, Prepaid Legal, Inc.
http://www.prepaidlegal.com/hub/jamille
18002351327
Sunday, February 13, 2011
Pre-Paid Legal Services, Inc. on Fox Business Network: A Business for Today #legal411
Invest in yourself.
Has your financial changed ANY since last year for the better?
Did you get a second job?
Take out a loan?
Borrow money from a family member?
Decide to go back to school?
None of those options guarantee you financial freedom nor do they give you TIME FREEDOM.
What are you doing the alter the financial course of your life? Call me and I can help you take a step in at the direction to change it.
Ja'Mille WIlborn
1-800-235-1327
PrePaid Legal Manager