Nebraska has new law to help protect against Identity Theft

Legislative Bill 177, which Gov. Dave Heineman signed last week, reduces the cost for residents to lock up their personal financial data by putting security freezes on their credit information.

Security freezes require credit bureaus to seek permission before releasing a consumer's credit reports, with certain exceptions. That way, consumers know if someone was trying to use their name to open a credit card account or line of credit.

Under LB 177, the cost of getting a security freeze will be $3 per credit reporting agency, down from $15 per agency. The change will take effect 90 days after the Legislature adjourns, or in early September.

LB 177 also eliminates an automatic seven-year expiration for freezes, leaving the decision up to the consumer about when to lift or cancel a freeze.

My only concern for Nebraskans is that they don't relax because of the freeze. There is still plenty of id theft that doesn't involve their credit files, such as medical and character id theft.

To learn more about Identity Theft and what to do if you are a victim, visit www.StopIdTheftCrime.com and subscribe to the newsletter to obtain your free 46 page eBook "Fighting Back Against Identity Theft".

Remember, estimates are that every 2-4 seconds an Identity is compromised. Why take chances? Why not protect yourself and your loved ones with the best suite of services provided (including restoration) by the best NYSE company in the field? Educate yourself and visit the shameless plug below or call me at (909) 208-3728!

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New Utah State Law Helps Identity Theft Victims

Bringing Relief for Identity Theft Victims

Written by Identity Theft Daily Staff
Monday, 13 October 2008

A.G. & LEGISLATORS ANNOUNCE NEW CREDIT FREEZE LAW

Utahns now have the fastest credit freeze law in the country. Utah Attorney General Mark Shurtleff and Senator Carlene Walker announced today that a new state law is now in effect that allows identity theft victims to freeze their credit and protect their credit ratings.

"Utah's new credit freeze law stops identity thieves cold and quick," says Attorney General Mark Shurtleff. "Consumers can freeze and thaw their credit in 15 minutes."

...The 15 minute thaw period was the key to passing the Credit Freeze Protection law. The original 2005 bill stalled because merchants and auto dealers were troubled by the original three-day thaw period. But Senator Carlene Walker and Representative David Clark continued to work with businesses and credit bureaus to come up with a solution and the software to speed up the thaw cycle. The bill finally passed in 2006 but it gave credit bureaus until September 1, 2008 to get their computers reprogrammed....(Full text at Identity Theft daily)

To learn more about Identity Theft and what to do if you are a victim, visit www.StopIdTheftCrime.com and subscribe to the newsletter to obtain your free 46 page eBook "Fighting Back Against Identity Theft".

Remember, estimates are that every 2-4 seconds an Identity is compromised. Why take chances? Why not protect yourself and your loved ones with the best suite of services provided (including restoration) by the best NYSE company in the field? Educate yourself and visit the shameless plug below or call me at (909) 208-3728!

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New Ohio law helps you guard against identity theft

WHO NEEDS A SUPER HERO?
STARTING MONDAY,
YOU CAN FIGHT CRIME YOURSELF.

When a new Ohio law kicks in on Labor Day, you'll be able to freeze your credit reports for $5 a pop.

Security freezes let you "lock up" your credit report and scores, making it more difficult for an identity thief to open accounts in your name.....

Identity theft victims can freeze and thaw (lift a freeze) for free.

HOW TO GET A FREEZE

All three bureaus allow consumers to sign up online or by phone.

Experian:
By certified mail: Send your full name, with middle initial and generation (for example, Jr. or II); Social Security number; date of birth (month, day and year); current address and previous addresses for the past two years; and $5 fee (not cash) to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013.

Online: www.experian.com/consumer/help/states/oh.html.

TransUnion:
By certified mail: Send your full name, current proof of address, date of birth and Social Security number and $5 fee (not cash) to TransUnion Security Freeze, P.O. Box 6790, Fullerton, CA 92834.

Online: www.transunion.com. (There's no charge for now while TransUnion tests this new site, but the company warns a $5 fee could be added soon.)

By phone: 1-888-909-8872.

Equifax:
By certified mail: Send your full name, complete address, Social Security number, date of birth and $5 fee (not cash) to Equifax Security Freeze; P.O. Box 105788; Atlanta, GA 30348.

Online: www.equifax.com.

By phone: 1-800-685-1111. (You'll hear a long message that you can't interrupt, then hit 8 at the first number prompt.)

For more info on:

WHAT TO EXPECT
WHAT A FREEZE DOES
WHAT A FREEZE DOESN'T DO
THAWING

Click this link to www.Cleveland.com

FOR VICTIMS OF IDENTITY THEFT

Victims of identity theft can place, lift or permanently remove a freeze for free. Victims of security breaches aren't considered to be identity theft victims unless their information has been used. ID theft victims generally will need to provide a police report to qualify for free service. (Full text at Cleveland.com)

To learn more about Identity Theft and what to do if you are a victim, visit www.StopIdTheftCrime.com and subscribe to the newsletter to obtain your free 46 page eBook "Fighting Back Against Identity Theft".

Remember, estimates are that every 2-4 seconds an Identity is compromised. Why take chances? Why not protect yourself and your loved ones with the best suite of services provided (including restoration) by the best NYSE company in the field? Educate yourself and visit the shameless plug below or call me at (909) 208-3728!

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the Best Identity Theft Protection available dot com