Free Identity Fraud Protection

James

salsa6665 wrote: »

thanks james... i suppose it is along the lines of using thumbprint for any applications for loans, credit cards etc...
wonder how much it is actually used though.... as i had a password placed on my information in 2004 after my home was robbed but i have never been asked for this password in the numerous financial applications i have made since then!!

The only person (other than a fraudster who wanted to be caught) to use their Thumbprint on an application from is you.

If you had a password put on your file [Via the Notice of Correction facility] and you've since submitted financial applications, I'd be asking those who you submitted your applications to, some serious questions. i.e. why they never complied with your legal instruction.

The good thing about thumbprinting is it creates an auditable trail. If per chance a crook is daft enought to submit their PRINT, then you're in the clear. If a fraudulent application is submitted without a PRINT then you can hold that lender/bank to account.

Thumbprinting actually forces ALL lenders to check ALL applicants Credit Files, just to cover their backsides.

salsa6665

thanks james i will cancel my renewal of the identity protection insurance and sort out letters to the 3 credit ref agencies with my thumbprint. will buy the inkless pad from http://wwwredlinesecurity.co.uk
- its £4.95 plus £3.45 postage ... a heck of alot cheaper than the insurance of £59.99!!
your helpful advice is much appreciated.

James

salsa6665 wrote: »

thanks james i will cancel my renewal of the identity protection insurance and sort out letters to the 3 credit ref agencies with my thumbprint. will buy the inkless pad from http://wwwredlinesecurity.co.uk
- its £4.95 plus £3.45 postage ... a heck of alot cheaper than the insurance of £59.99!!
your helpful advice is much appreciated.

No probs, re Inkless Pads, why don't you ask your Bank or Building Soc to provide them free of charge of public use?

firstnameunknown

Outraged,_Tunbridge_Wells wrote: »

I have had a Barclaycard for some time, and wished to know whether the free ID Fraud Protection covered me. The person I (eventually) spoke to seemed not to know what I was talking about. Having patiently explained everything several times she told me that, certainly, such protection was available but, equally certainly, it was not free. Who's kidding whom?

Yeah, this happened to me this morning. "What made you think it was free?"

Surely the features listed available to ALL customers here...

http://www.barclaycard.co.uk/products/apply/initial.html

...should actually be available to, y'know, ALL CUSTOMERS.

salsa6665

have rang my bank and they hadnt heard of them and didnt have them and had no plans to introduce them unfortunately...

James

salsa6665 wrote: »

have rang my bank and they hadnt heard of them and didnt have them and had no plans to introduce them unfortunately...

I'm hoping just as they supply Pens for customers to sign, they'll supply Inkless pads for those customers using the PRINT system to protect themselves and the BANKs.

Consumer presure should make them change their minds.

The very same Inkless Pads are used in Banks in the USA for cheque cashing. If you were presented with a US Bank Cheque, you could go into any branch of the issuing bank, present the cheque, backed up with your passport and you'd receive the cash value of the cheque there and then. No clearing times.

You can guarantee the Brit Banks know about this - it's just too simple.

Click here.

James

Interesting article in the Sunday Times.

Web revenge: Ruin an Enemy for £10.

Click here.

The Confidential Access . Com website accepts the following payment methods:

MasterCard, Visa, PayPal, Verified by Visa, MasterCard Secure Code, Bank Transfer and Cash by Post. Tis' about time those who allow all but one of these payment methods get their house in order.

I hope this makes readers realise the value of:

Self Help.

Or substitute Martins' words.

Screw the criminals before they screw you.

salsa6665

it would be a great idea if a similar system was used within the UK... a simple but effective method...
thanks for all your advice much appreciated ...

James

salsa6665 wrote: »

it would be a great idea if a similar system was used within the UK... a simple but effective method...
thanks for all your advice much appreciated ...

I presume you mean the www.freeidprotection.co.uk system?

The system is in the UK. It's brand new, this is why banks haven't heard of it, but believe me they are learing fast.

For those who subscribe to the system, each and everytime their credit file is accessed, those accessing their file will be made aware of the system and will need to act upon that subscribers instruction.

Equifax mentions the system on their site, and the other two agencies, Experian and CallCredit are very much aware.

Fella

Hi James,

I've read some of your posts & been looking at www.freeidprotection.co.uk

On the face of it it looks like a no-brainer so I'm surprised it's not better known. Also, can I ask if you've approached Martin to have it included in his Anti-ID theft article? Support from this site might be all it takes to get the idea to really take off?

A couple of questions about it if I may:

The inkless thumb pads - do you have any info, or a link to any info on how they work exactly? Are they an electronic (scanning) thing or do they take an actual thumbprint using something other than ink?

A more important question - if one does subscribe to the thumbprint method, what process do financial institutions use to verify your ID? I.e. do they simply compare it visually with a verified copy of your thumbprint? Do they have equipment that they can use for this? Are they legally obliged to check it in any certain "way"? Or is the main benefit of the scheme that it doesn't really matter if they check it at all, because it provides an auditable trail of who applied?

Also, in your (or anyone elses) real-world experience, what level of delays/confusion with financial applications does having this system in place generate? I'd be happy to put up with a certain amount of delay, but I'd be wary of putting up a defense system that caused very long delays because the financial houses simply weren't familiar enough with it to know how to progress an application?

Hope that lot makes sense! Like I say, from what I've read so far this seems like an excellent idea.

regards
Fella