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It is the highest honor for me to be able to serve the United States military, who so valiantly and humbly serve every American. Just hours ago, I finished delivering an identity theft prevention speech to the Airmen of Ft. Luke Air Force Base in Phoenix, AZ. Thank you, Ft. Luke, and the Department of Defense for inviting me to speak with you.

During my speech, I promised to give you easy-to-complete action steps to protect your identity against theft, as well as that of your loved ones. I’d like to deliver on that promise by directing you to a full page article I’ve written specifically for you: The Military Identity Theft Protection Kit. If you have additional suggestions for protecting military IDs that I haven’t covered in this article, please include your comments at the bottom of the post. With your input, this conversation should contribute to the financial stability of our armed forces — Which is vital, because, as you are aware, financial readiness is mission readiness.

There were several questions that were asked after my speech was over that I wanted to address here:

1. Does freezing your credit affect your ability to make charges on your credit card? Absolutely not! It only affects new accounts being set up (car loans, home loans, etc.) using your credit profile. It will not affect any existing accounts that you have. You will still be able to make purchases on your credit or debit card without any additional hassle.
2. How do I protect my kids? I recommend that you simply monitor your kid’s credit reports, much like you would your own. I will do some research this weekend and will post the information sites to help you out with this by Monday.

Military personnel have unique and pressing reasons to pay extra attention to protecting their private information, as well as the private data of their loved ones, from identity theft. For example:

• Historically, the armed forces have used pieces of identity (including Social Security Numbers) to openly identify personal items, including: dog tags, military IDs, commission papers, pay checks and duffel bags. While this practice is being fazed out, it still increases the risk of identity theft among military personnel.
• If a member of the military has their identity stolen while deployed (especially overseas), it is exceptionally difficult to recover from the crime in a timely and effective manner. Can you imagine trying to repair your credit rating from the streets of Iraq or prove your innocence to a collection agency while crouched in the bunkers of Afghanistan? To add insult to injury, returning from a tour to find that your credit has been destroyed and that you are wanted for crimes you didn’t commit can be overwhelming.
• Our airmen, soldiers, sailors and marines can be called to duty in an instant. If financially unprepared, this leaves their families vulnerable to attack. It is imperative that we proactively protect not only ourselves, but our loved ones as well.
• Protecting the privacy of our military is a national security concern. In the age of cyber-attacks and digital warfare, we cannot leave our fighting and peace-keeping personnel open to attack.

Because of these additional risks, it is imperative for our military personnel to implement the steps below. Continue reading “Military Identity Theft Protection & Prevention Kit”

Think about it…slowly, over time, we have given away our privacy. Many times we don’t even realize we are giving it away. We commonly trade our personal information for access to website content (free songs, email), the chance to win a contest (iPods, vacations) or a one-time 10% discount at a clothing retailer. I call this slow and unnecessary leakage of our personal information identity creep. Our information is requested in a subtle way, and because the immediate benefits seem substantial and often feel harmless, we overlook the downside—that we are gradually broadcasting our identity to those who shouldn’t have it.

One source at a time, we must reverse our bad habits and guard information rather than give it out. Understandably, we cannot entirely give up sharing our information. But we must determine what to share and with whom. We must begin to accumulate our privacy over time. This incremental approach keeps prevention from being an overwhelming task and reminds you to consider the risk anytime identity is involved.

Here are Six Steps to Start the Process: Continue reading “The First Six Steps to Bulletproof Your Identity”

You’ve probably seen in the news that a hacker gained access into Sarah Palin’s Yahoo.com email account. The hacker used a simple scheme and basic social engineering tools (research on Google and Wikipedia, common-sense guessing) to reset the password on the account and assume ownership of her email. [For a full account of how a professor, Herbert H. Thompson, used these tools to steal a friends identity (with their permission), visit his recent and extremely interesting article, How I Stole Someone's Identity and the companion radio interview.]

In addition to denying Governor Palin access to her own account, the hacker had full control to:

• Read every saved and current email in her account (hopefully she never sent her Social Security Number, passwords or account numbers via email, not to mention correspondence pertaining to her role as candidate for Vice President of the U.S.)

• Steal the email addresses and any other sensitive information stored in her contacts (John McCain might want to change his email address)

• Send out emails as if the hacker were Sarah Palin, or worse yet, send out official emails as Alaskan Governor, Sarah Palin

The potential for abuse is mind boggling. Sarah Palin should take immediate steps to protect her stolen identity and to secure her future privacy.  Here are a sampling of the steps I would recommend: Continue reading “Is Sarah Palin Safe? No. Identity Theft and Government Officals”