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<DIV><A
href="http://cbs4denver.com/consumer/credit.protection.identity.2.662760.html">http://cbs4denver.com/consumer/credit.protection.identity.2.662760.html</A><BR></DIV>
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<DIV><FONT face=Arial size=2>Thought this might be interesting to all that
there's no identity theft protection plan that is 100%. Its what you do
after it happens when it counts. </FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>[...]</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV>How well do they work? CBS4 found out, when it picked three popular
companies and put them to the test. <BR></DIV>
<DIV>The first company is LifeLock. The CEO of LifeLock actually publishes his
social security number to promote his company's ability to protect a person's
identity. <BR><BR>The second company was Loudsiren/Debix. It calls itself "...
the next generation of consumer protection ...." <BR><BR>The third company,
Trusted ID, says it provides "... the strongest proactive total identity
protection ..." <BR></DIV>
<DIV><FONT face=Arial size=2>[...]</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV>CBS4 asked some of its own employees to help test the companies by signing
up. Tom signed up for Loudsiren/Debix. .....<BR></DIV>
<DIV><FONT face=Arial size=2>[...]</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>CBS4 then moved on to the actual test. With their
permission, CBS4's Jim Benemann took all of Tom, Jillian and Kristine's personal
information including their social security numbers and dates of birth. Using
that information, Benemann applied for the same major credit card in each of
their names. </FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>[...]</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV>CBS4 asked all three companies to respond to the test. <BR><BR>Here is what
LifeLock had to say: <BR><BR>The credit card companies have a contract with the
credit bureaus that say they must honor fraud alerts. The fact that they chose
not to is proof that the fraud alerts are not bulletproof. The good news is that
this is where the LifeLock $1 million guarantee is most effective. LifeLock is
not a credit monitoring service but a protection service in the event a fraud
alert proves to be ineffective. <BR><BR>Here is what Loudsiren/Debix had to say:
<BR><BR>Placing a call to the consumer's Debix Safe Number provides a proven,
multi-factor authentication of the consumer for the creditor. Unfortunately, not
all creditors take advantage of this opportunity. We believe that as creditors
experience the speed and security of the Debix network, we expect fewer of them
to mail letters. <BR><BR>Here is what Trusted ID had to say: <BR><BR>The most
important fact is that the TrustedID customer's identity was clearly protected
from an attempted theft. The experience by this customer was an exception, not
the rule. Lenders make every effort to contact individuals to confirm their
identity, and a majority of the time a customer is contacted by phone to verify
their information.<BR></DIV>
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<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>Michael Hill <BR>Certified Identity Theft Risk
Management Specialist<BR>IDT Consultants<BR>404-216-3751</FONT></DIV>
<DIV> </DIV><FONT face=Arial size=2>
<DIV><BR><FONT color=#008000 size=3><STRONG><EM>"If You Think You're Not At
Risk, Think Again!"</EM></STRONG></FONT></DIV>
<DIV> </DIV>
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