Hi Member's, it pays to stay informed & protected...We don't want anyone stealing your Money $$$ or your Monte Mod Fund....Below is for you information & to stay informed..
Has any member's been robbed, or had their ID stolen

Be Safe out there with your $'s It's sad that we have to protect everything, or risk the chance of losing everything
5 ways thieves steal your credit

Personal data can be stolen in seconds, but knowing how it most often happens can help you protect yourself or, if you're a victim, minimize the damage.

....WTF, It's all gone



Almost gone are the days of the good old-fashioned purse snatcher. With less brute force and more skill, thieves need only a minute, sometimes less, to pilfer your credit card data.
"Back in the beginning, they got the imprint of credit cards from the carbon copies they dug out of the trash," says William Noonan, assistant special agent in charge of the Secret Service's criminal investigative division. "Technology has changed things."
The number of compromised records has been on the decline for the past two years, according to the Secret Service, after reaching a record high of 361 million records in 2008. The trend might reverse this year, however, after a recent string of misdeeds.
This spring, criminals hacked, phished or skimmed their way into the systems of Michaels Stores, Sony, marketing firm Epsilon, Citibank and even security expert RSA, among others. In some cases, they obtained only names and emails. In the worst cases, they got credit card numbers.




Credit card fraud penalties



The schemes are simpler than you think. Here are the most common ways thieves pilfer your credit card information.
Suspects: The toy store trio

Modus operandi: Sally, Simon and Bud walk into a toy store. Sally and Simon roam the aisles, while Bud waits in line to check out. When Bud is at the register, Simon comes running up to the clerk, screaming that his wife has fainted. As Sally and Simon distract the salesclerk, Bud switches the credit card reader at the register with a modified one of his own, says FICO's fraud chief, Mike Urban. For the next week, the salesclerk unwittingly collects credit card data on the modified reader until the trio returns, takes back the modified reader and restores the original terminal.
Known whereabouts: The trio will hit other retailers and restaurants, but sometimes the threesome will instead be a twosome or a solo criminal.
Suspect: The waitress at the diner

Modus operandi: The waitress whisks away your credit card and swipes it through the restaurant's register. Then she pulls a small device -- about the size of an ice cube -- from her apron and swipes it through that, says Sgt. David Schultz of the Fort Bend County Sheriff's Office in Texas. While you're scraping the last of the chocolate frosting from your plate, your credit card information has been stored in the device, known as a skimmer. The waitress returns your card and performs the same magic trick on dozens of credit cards in a week.
Known whereabouts: The data-stealing waitress has been known to moonlight as a bartender, salesclerk or at any other job that allows her to take your credit card out of sight.
Suspect: The Gas Lass

Modus operandi: The Gas Lass parks her car in front of a gasoline station off the turnpike. It's late. There's no one around except a sleepy attendant at the register inside. The Gas Lass attaches a skimmer over the credit card reader at the pump. It's a special skimmer: It emits a Bluetooth signal to a laptop close by, says Noonan. The Gas Lass pays, heads off to the motel next door and sets up her laptop to receive the data from the compromised pump over the next several days.
Known whereabouts: The Gas Lass installs skimmers over ATMs, parking meters, vending machines and other places with unmanned credit card readers.
Suspects: Harry the Hacker and Phishing Phil

Modus operandi: Harry the Hacker installs malware -- a type of software that damages or infiltrates a computer or network -- onto a legitimate website with low security. The malware instantly downloads onto your computer when you visit the site and allows Harry to access your information. In another scenario, Harry puts malware on public computers and gathers the information you share with that computer, says Urban. Harry also infiltrates the computer system of banks, retailers and other businesses and extracts personal account information, Noonan says.
Phishing Phil uses malware to go after your laptop. He sends emails with attachments that promise dancing kittens or some other bait. When the user opens the attachment, malware instantly downloads onto the computer and leaves confidential information vulnerable. Phil also sends emails from a familiar sender with a link to a contaminated website that installs malware onto your computer. Some malware, called spyware, allows Phil to capture every keystroke, including passwords to your financial accounts.
Suspects: The rest of the criminal crew

Modus operandi: So what happens to these pieces of data when they're in no-good hands? They get sold.
The waitress, trio or Gas Lass sells each swipe for $20 to $40, says Urban. Harry the Hacker and Phishing Phil will get $5 to $10 a card and may sell the information online. The person who buys the information verifies it and then sells it to a person who creates fraudulent credit cards with victims' account information attached to them. The card-maker then sells cards to other criminals who buy goods, such as stereos or baby formula, and sell them to regular consumers.






What you can do

1. Set up mobile alerts for your phone if your financial institution provides the feature. That way, you can be aware of unusual activity as quickly as possible.
2. Regularly monitor your accounts online, so you can identify fraudulent transactions faster, says Schultz.
3. Avoid public computers. Don't log on to your email if your bank corresponds with you there. Urban suggests setting up an email account just for your finances and checking it from safe locations.
4. Avoid doing business with unfamiliar online vendors, Noonan says. Stick to established merchants and websites.
5. If your information has been compromised, notify your financial institutions and local law enforcement, which will contact the Secret Service if necessary. Also notify any of the three major credit reporting agencies -- Experian, Equifax and TransUnion -- to set up a fraud alert on your credit reports.

 

Terrible!

I have a fool-proof way to keep my information safe. I can do it for you too!

Just email me with your information and I will monitor it all for you.

Don't forget routing numbers and accounts numbers are the MOST important to include in your email.

 

sounds legit to me ^

 

Hi Mod `Mike,
I'm preparing them now, and should have them in the mail this afternoon... Thanks
Yes, `Alex ~> it sound legit 2 me...If you can't trust Mod `Mike who can we trust LOL

 

This is just the stuff they know people are doing. What scares me is the stuff they haven't gotten caught for. Some of these people have connections at financial institutions that help keep them one step ahead of the law. Plus they have an unlimited budget cause they'll just take more from someone else.

 

The more I try to keep my info safe, the more new ways to steal your money that come out.

To protect yourself from ChibiBlackSheep's scam above, send all your money to me instead. (joking obviously - duh)

 

Haha nice one mike

& i got a way so no one steals my info, ive got no credit cards or any of that crap, cash only, i have other ppl order stuff online for me

 

I just remembered another one. The new RFID chip cards. People are stealing the info off of your card, without your card ever leaving your pocket!

Identity Theft - New RFID Chip Gives Criminals New Access

Here's another link with more tips for credit card safety.

Credit Card Help: 10 things you should know about identity theft

 

Thanks everyone for your posts/comments/funnies

Thanks `Lou (Taz) for your post & super links on this subject for sure...

I find it sad that we have to worry about cyber thieves 2.
There are just to many that are taking from others, and they should be stopped-re-programed-eliminated 4-Sure

 

Unfortunately they dont need you to have any credit cards. They'll open accounts right in your name and you may not know it until it's too late. The best thing to do is monitor your credit report regularly.