Monday, April 24, 2006

Make it a Habit!

We are all human and make mistakes from time to time. In the course of our lifetime many paper documents and a lot of digital data are created in our name.

We are born. We go to school. We get a drivers license. We serve in the military. We buy and sell. We get married and divorced. We apply for credit. We apply for jobs. We get passports. And everything needs to be documented.

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When I served in the military I was given a lot of good training to teach organizational, leadership and management skills. I also learned the importance of checking records. The military runs on paperwork. Many decisions are made based solely on documents. Personnel decisions are no different, decisions about promotions, assignments and training.

Once a year we were required to review our records and it was up to each individual to make sure their own records were in order. It was definitely a good rule. Even though the personnel clerks were hard working the amount of records they had to maintain was setting them up to make errors. Documents ended up missing from the records, other people's documents were in your records and entries were made incorrectly.

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I took this habit with me when I left the military. I check my public records from time to time. I have discovered derogatory information on my credit report that wasn't mine. I discovered the speeding ticket in Texas I had paid and thought was taken care of was still showing on my record as open. I also found a bogus judgment and tax lien that was mistakenly credited to me.

Hey, people make mistakes. I make my share of mistakes too. So it's good to follow up and double check things. Not doing so for me would mean those mistakes that were affecting my life would have been an even bigger mistake.

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Tuesday, April 11, 2006

Is That Really You?

The world is full of information. Today, it seems, we live in an information society. We all need to give and get information to live our lives. There is always something we need to know and something somebody needs to know from us.

We spend a large part of our life getting educated, which is just us collecting information so we can be part of society and get jobs. This data can be used for good or bad, constructive or destructive purposes.

Today in the U.S., identity theft is one of the fastest growing crimes. It seems there is a lot of money pretending to be someone else and spend their money. There are many methods someone can use to get your personal information. There is dumpster diving, just means someone goes through your trash. Electronics can be used to eavesdrop on your mobile phone calls and steal your number. Public records can be acquired through fraud. And hackers can go inside your computer and get your personal data.

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There are security measures you can take to protect your information. Most companies also take measures to protect you and them. I have been doing online banking for quite a few years now and never had a problem. Sometimes what is done to protect you and the company deny you access to your accounts. But it is safe.

There are many scams around to fraudulently get your information. Just mostly use common sense and be aware of what is normal. The company you have an account with will not ask you for your account number and passwords, or PIN. A scam called phishing is someone using email to try to get that info from you. It is like fishing. They send you an email with an address similar to an account you have. I had this happen, though I didn't even have an account at the bank they were impersonating. Chase Bank. I went the Chase website and they actually have information on how to report this.

Most companies have secure sites for credit transactions and such. You can tell by the "https". Other counter hack methods are used too. It's a war out there. Don't stop living or using your electronic devices. Just be careful and protect sensitive information.

Darwin N Dennis

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