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ID Theft Prevention
Identity Theft Prevention...
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Jonathan Kraft specializes in educating people about how they can get affordable access to the legal system. He has come to be known as Colorado’s Foremost Expert on Computer Related Identity Theft. To schedule a time for Mr. Kraft's company to present Id
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As an employer, what you don't know about FACTA can definitely hurt you.
FACTA stands for Fair and Accurate Credit Transaction Act. FACTA is the law which allows any American access to their credit report once per year. The law went into effect Jan. 1, 2005. So what does that mean for you as an employer?
On June 1, 2005, a new provision of FACTA goes into effect. It says that any employer (even if you only employ one person, and you have their personal information so that you can pay social security taxes,) whose action or inaction results in the loss of employee information, can be fined by federal and state government, and sued in civil court.
A USA Today article on FACTA from Jan. 14. 2005, stated “Bet you didn't know that.” But you need to know, and need to know what you can do to protect yourself.
Small Businesses affected the most
'A small businessman who makes a mistake could bear the brunt of a regulation like this, says James Plummer, policy analyst at Consumer Alert, a non-profit group that focuses on a free-market approach to consumer regulations.'
The USA Today article goes on to say that “if you don't shred and information gets out, there are penalties.” But what if you do shred all potential employee information, and take all necessary precautions to protect your past, current, and future employees' identities, and the information still gets out somehow? Under FACTA, you could still be held responsible.
You may not think information theft could happen to you, but neither did this short list of companies, universities, government institutions, and businesses that have had employee or customer information stolen from them:
DSW Shoe Warehouse
Lexis Nexis
University of Northern Colorado
California State University (Chico)
University of California – Berkeley
University of Maryland
Las Vegas Department of Motor Vehicles
Bank of America
Choice Point
Weld County (CO) Employees (information stolen by an inmate while in jail)
How can you, as an employer, minimize your liability?
There are hundreds of things you can do to minimize liability, which are probably things you already do. Document shredding, redaction of electronically stored information, careful screening of employees who will be coming into contact with personal information of customers and employees, physically locking file drawers with sensitive information, and setting up firewalls on computer equipment connected to the Internet, among hundreds of other solutions, are all good ideas. The old saying that an ounce of prevention is worth a pound of cure is definitely the case when it comes to securing personal information. However, no matter what prevention steps you take, there is no 100% effective way to be sure that employee's information won't be compromised. Even if the information doesn't get out from your company, an employee can claim that it did.
That's a scary thought! What if an employee claims that their information was stolen through the actions of your company, but there's no real proof to back it up? You will end up hiring (or using) an attorney to represent and defend your company in court. At $150 - $200/hour for most attorneys across the United States, how long can you afford to defend your company?
So what can you do?
The only sure solution, or at least the only solution that would at least provide an affirmative defense against the fines, fees, and lawsuits you could incur as an employer, is to offer some sort of Identity Theft protection as a benefit to your employees.
As an employer, you can choose whether or not to pay for this added benefit. However, the most important thing you can do is to make the protection available, and have a mandatory employee meeting, similar to what you probably already do for health insurance, to help employees understand Identity Theft and the protection that you are making available to them. When you make the protection available, and when your employees have been educated on the dangers of Identity Theft, they can either elect to have identity theft coverage as a benefit, or they can decline the coverage as a benefit.
If the employee has Identity Theft coverage and becomes a victim, it is beneficial to your business, because an employee with Identity Theft coverage will spend less time, less money, and will experience less frustration while trying to have their information restored. This will get them back on the job and focused on work more quickly.
If the employee declines the coverage, and later claims that the information was stolen as a result of you or your company's actions, you have a piece of paper, with their signature, saying that they attended the presentation and declined the coverage.
Choosing to not make Identity Theft coverage available leaves you exposed to an unlimited dollar amount that you can be sued for under civil liability, federal fines of up to $2,500.00 per employee per incident, and state fines of up to $1,000.00 per employee per incident.
Recommended course of action? Have a benefits consultant who offers an Identity Theft protection plan present to your employees. Help them set up a 20 minute presentation with your employees, and make it mandatory that all employees attend. You want your employees to be protected from this awful crime. If they choose not to be, but you've given the option of being protected, then the liability becomes theirs, not yours, when they become a victim of identity theft.
Jonathan Kraft is a benefits consultant who specializes in educating people about how they can get affordable access to the legal system. Because of his work in the field of electronic Identity Theft, he has come to be known as Colorado's Foremost Expert on Computer Related Identity Theft. To schedule a time for Mr. Kraft to present Identity Theft and Legal Service protection to your employees, please contact him at (877) 825-7119. You can also find out more on the web at www.strive4impact.com/group
About the AuthorJonathan Kraft specializes in educating people about how they can get affordable access to the legal system. He has come to be known as Colorado's Foremost Expert on Computer Related Identity Theft. To schedule a time for Mr. Kraft's company to present Identity Theft and Legal Service protection to your employees, please contact him at (877) 825-7119. You can also find out more on the web at www.strive4impact.com/group
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http://www.aaarticles.com/article.php?id=2524
| Identity Theft Prevention... |
StrikeForce Technologies: StrikeForce Signs Contracts With Two International Distributors to Sell Its Identity Theft Prevention Products & Services Throughout Latin America
EDISON, NJ (MARKET WIRE) StrikeForce Technologies (OTCBB: SKFT), a company that specializes in the prevention of identity theft, today announced that it had signed contracts with two new distributors to sell its identity theft prevention products and services throughout Latin America.
Expo to focus on crime prevention
FORT WORTH -- Residents can learn about everything from preventing identity theft to self-defense techniques for children today at the Texas Community Crime Prevention and Police Expo.
Valuable Assistance to Consumers Affected by Identity Theft Offered by Award-Winning Non-Profit
"Consumers across the nation can expect to be bombarded with offers to sign up for credit monitoring services, identity theft prevention services, identity theft insurance, or other programs and services of limited value by companies aimed solely at ...
Amber Alert Portal Teams With Leader of Child Identity Theft Prevention
AmberAlert.com, the alert portal known for its successful recovery of dozens of abducted children, is joining forces with LifeLock, the nation's leader in identity theft prevention, to further efforts...
Identity Theft Prevention - Steps You Can Take Now
Identity theft is devastating. Costing thousands of dollars and hours to correct.
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Identity Theft
Preventing Identity Theft
By Gary Gresham
Preventing identity theft is never foolproof but here are
some good tips that will make it more difficult for
anyone to steal your personal information.
The first and most important step for preventing identity
theft is keeping a close watch on all of your personal
information and your credit report.
Check your credit reports from all three bureaus at least
once a year. Once you get your credit report check
carefully to see that everything is accurate.
If you find an error, dispute it immediately so you can
protect yourself from fraud.
Quite often similar names and similar social security
numbers get mixed up, or worse, someone could have stolen
your identity.
Another good way of preventing identity theft is don`t
carry your Social Security card or anything with your
Social Security number on it in your wallet.
Keeping your social security number private is a critical
part of preventing identity theft.
Also, don`t keep your bank card pin number in your wallet
because it helps a thief who has stolen your wallet help
themselves to your cash at an A.T.M.
In this age of computer hacking, preventing identity theft
also applies to the Internet.
If you use the Internet, make sure all your security
software is up to date and be careful of Internet scams.
Remember, no legitimate business will ever send you an e-
mail asking you to confirm your personal identifying
information.
Preventing identity theft means you never give out
personal information unless you initiated the contact or
you`re absolutely sure who you`re dealing with.
Another good way of preventing identity theft is be
especially careful about divulging your credit card
number over the phone to telemarketers.
Often the only goal is to obtain your name, address and
credit card number.
If you have to give your credit card number over the phone
for a hotel or airline reservation, use a regular corded
phone as opposed to a cordless or cell phone.
Make sure you report any lost or stolen credit cards
immediately for preventing identity theft.
The bottom line is be careful about divulging any personal
information about you.
If you use these tips you`ll have a much better chance at
preventing identity theft before it happens.
Gary Gresham is a mortgage loan officer and the webmaster
for http://www.credit-repair-facts.com (http://www.credit-
repair-facts.com). He offers you credit information, debt
elimination programs and informative facts that gives you
the knowledge to correct your own credit and credit
report.
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Identity Theft Prevention
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