INTERVIEW

How to Avoid Becoming a Victim of Identity Theft: Interview with Jeremy Duffy

Written by Jamison Braly
Published June 08, 2008

With the recent news about the CEO of LifeLock having his identity stolen, I looked around the web searching for ways we could prevent ourselves from becoming a victim without having to pay monthly or annual fees.

Luckily, most of what companies like LifeLock and Free Credit Report do can be done by you and me for free.

In my search, I ran across Jeremy Duffy, who is something of an awareness advocate, offering many "How-Tos" on his website for free. And when I say free I mean it. No banner ads, no Google ads.

Jeremy Duffy has worked extensively on home computers since the mid nineties. After years of fixing his own computer problems, owning his own small business in computer service, and two college degrees, Jeremy has gained the technical skills to handle most of the problems normal home-users would face. Having worked in retail sales positions for almost 10 years, he has also seen the tricks and underhanded ploys that business will use to get your money.

In both cases, Jeremy has seen the ways that others will manipulate others for personal gain simply by exploiting their lack of knowledge of business and computer issues. As someone who values honesty and straight-forward dealings, Jeremy takes particular exception to manipulating others unfairly. It is for this reason that he started his Awareness Advocacy website and blog and also recently developed his seminar, "Computer and Internet Safety for Normal People". In each the goal is to provide the straight facts to equip a non-specialized citizen to deal with scams, manipulation, and fraud...

Jamison Braly: The first company many people think of when they think about protecting themselves from ID theft are companies like LifeLock. What do these companies do?

Jeremy Duffy: Besides taking people's money, not much. There are really only two categories of company such as this: monitoring services and insurance providers. Monitoring services essentially give you open access to your credit reports and send you alerts when there are inquiries or changes to your report. Note that this doesn't actually give you the ability to stop any of the inquiries; it just lets you know that something happened.

Insurance providers are nothing more than any insurance provider is, clean-up service. In theory, if you meet the conditions under which they will pay out, you will get some money as stipulated by your terms and conditions. Identity theft is a problem, true, but is it worth paying a monthly fee? Also, before you use any such service, you should ask yourself whether this company is solid and likely to be around when you have a problem. Will they pay out or shaft you as the car insurance companies often do?

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Jamison is the Technology Coordinator for a private school in Alabama. He also gives lessons to kids about Internet safety and presentations to adults wishing to learn more about protecting their kids online.
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How to Avoid Becoming a Victim of Identity Theft: Interview with Jeremy Duffy
Published: June 08, 2008
Type: Interview
Section: Sci/Tech
Filed Under: Sci/Tech: Internet, Sci/Tech: Personal Tech
Writer: Jamison Braly
Jamison Braly's BC Writer page
Jamison Braly's personal site
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Comments

#1 — June 8, 2008 @ 23:35PM — Mark Davis [URL]

I understand how Jeremy can offer this advice since it's the same information that 98% of the folks out there think is Identity Theft, and really it's only about 26%, and only one of five areas of Identity Theft!

According to the FTC (Federal Trade Commission) there are five areas of Identity Theft - 1) DMV Identity Theft. This is where a person gets your ID and then gets a drivers license with their picture and your info on it. This can be done for under $30.00, from several website on the internet, and these are almost undetectable even by law enforcement because they have all of the holographic symbols and electronic strips. The ID thief then gets a ticket with you info and they don't show up for court, YOU now have a bench warrant out for your arrest, and you don't even know it until you are stopped for a simple traffic ticket, and you then find yourself face down on the hood of your car being arrested. 2) Social Security Identity Theft. There are nearly 40 MILLION Illegal emigrants in the US, who want jobs, and in order to get a job, they need a social security number, and they can purchase yours for under $50.00. They get a 1099 job with you social security number, and do you think that they are going to pay taxes on their income??? The IRS then sends you a letter demanding the taxes that their records show you owe. They then levy you paychecks and seize you bank account. I have lived through this nightmare, and then you have to prove that you're you, and that your not the person that owes this money. 3) Medical Identity Theft. This is the fastest growing area of Identity Theft; this is where someone uses your insurance information to have medical procedures done in your name. A friend of mine was affected by this in the following way. He had a person get an AIDS test done in his name, and it came back that the thief was HIV Positive, this information was then entered into my friends MIB (Medical Information Bureau) record. My friend was then in an accident and was taken to a hospital who refused to treat him because his records showed that he was HIV Positive!!! 4) Character/Criminal Identity Theft. I don't think that I need to convince you why a criminal would want to have your ID, especially if they were a pedophile. They are limited to where they can live. 5) Financial Identity Theft. This is the type that most people are aware of, this isn't were someone gets your credit card info, or your bank account info, it's where they open up new accounts that you are not aware of, and according to the FTC, if there are charges, you have 30 days to refute the charges, or you owe them!!! If you don't know about the account, how can you refute the charges???

Who are you going to call? CityBank? LifeLock? These companies don't cover all area of Identity Theft; they are only credit monitoring services. There is only ONE company out there that have licensed investigators who will COMPLETELY RESTORE your Identity, and that is Pre-Paid Legal Services, with the Identity Theft Shield!!!

I have been a victim of Identity Theft, I have tried several different programs out there, and have put Pre-Paid Legal membership to the test and have proved that they work, and all of the people that I work daily with who have also been victims.

#2 — June 9, 2008 @ 08:13AM — Jamison [URL]

What a great promotion for yourself (judging from your URL, you not only put pre-paid legal services to the test, but you administered the test yourself).
Borderline Spam Comment as laid out in the "Comment Policy", but in any case, thanks for the comment.

#3 — June 9, 2008 @ 08:25AM — Mike [URL]

That was great information by Jeremy Duffy, but he did only spell out part of the identity theft problem. Its a whole lot more than what he wrote.

And Jamison - I gained just as much insight into ID Theft in the previous comment as I did to your interview with Mr. Duffy. Thanks!

#4 — June 9, 2008 @ 08:35AM — Jamison [URL]

Yes, ID Theft is a much larger problem than what Mr. Duffy talked about, but he is an awareness advocate to mostly people who have no clue about this sort of stuff. His target audience would be that group of people who see an email from their "bank" that starts out with "Dear bank member" and think it really is from their bank.

People like me and him know that ID theft and other scams can run much more deeply than discusses here, but I know as well as he does (Since I work at a school and encounter many parents and teachers with the same basic questions) that there is a need out there to teach people m any of the BASICS. And his awareness advocacy program does that.

Teach the clueless the basics, then move them up.

Thanks for the comment Mike, if Mark wants to promote his services and teach the masses a greater portion of ID Theft and it's dangers, anyone of us blogcritics writers (including myself) would be happy to conduct an interview with him. He will get more promotion that way than by commenting. We welcome your solicitations for an interview Mark.

#5 — June 9, 2008 @ 08:44AM — Jeremy Duffy [URL]

For those who bring up the point that I'm only covering a partial aspect of ID theft, you're right. I'm a computer and technology guy and focus on what I know. If I was aware of a simple answer to some of those other kinds of problems, I would promote it as as well, but the only thing I can currently recommend is to be as private with your information as possible to limit the spread and get a credit freeze to prevent people from getting credit in your name.

From what I see, while those other options are possible, they are far less likely and far easier to prove you weren't involved with than a simple fake credit account.

Other than that, pushing your state to pass strong data protection laws or a federal law outlawing data brokering would be a GREAT start.

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