Identity Theft Holiday Update
By Guest Blogger William Simon
With some help from Me, Margie on color commentary
Hi. It’s Me, Margie, and I am giving up my Friday blog for something important. Not that, you know, everything I say isn’t important, which it totally is, and you should always pay attention. Anyway, there are very few things I hate more than cheaters, so I am letting William help all of you by explaining to us how not to be dumb. He puts it in nicer, more technical terms, plus he knows more about this than almost anybody. Except Me, Margie. After reading William’s blog last winter, I used Google, so I’m an expert now, too. That means I will make sure he’s giving you the straight scoop, and not some crap you can’t use. William? William! Stop bonking your head on the desk like that – it’ll leave a mark. And it’s your time to talk now. So talk.
Right. Thanks for that introduction, Margie. Very kind. Despite my best efforts to the contrary, the Book Tarts appear to be under the perception that I am intelligent. Back in February of 2007, they were kind enough to ask me to write a Blog about Identity Theft and Computer Crime. It grew to the point of being in two parts, the links of which are below:
Part 1: Identity Theft Blog, Part 1
Part 2:
Identity Theft Blog, Part 2
I was struck speechless when I learned a “re-post” was being asked for, as this is the Holiday Season and the ATM cards and credit cards are getting tough workouts. Instead of re-posting what’s been done before, I asked if I could do a kind of addendum instead. Next thing I knew, Margie was involved. (Don’t ask me how…I’ve no earthly idea.) Anyone who would wish to read or re-read the original need only click on the above links, but some of what we’re going to talk about below is, to me, even more frightening:
Recently, as an experiment, a man in Austin, Texas, purchased several used ATM machines through eBay. He cleaned them up, painted them a bright blue and yellow, and in broad daylight, with the assistance of an associate, set them up in and around downtown Austin. None of them had any cash in them. All of them were programmed to record account numbers, PIN numbers, and flash “OUT OF ORDER” on the screen, then refuse to give back the ATM card.
Here’s the scary part: in the space of six hours, they had collected almost THREE HUNDRED ACCOUNTS COMPLETE WITH PIN NUMBERS. Think about that. Something that simply said “ATM” and people walked up, shoved their card in, entered their PIN, then shrugged and walked away when the screen read Out of Order and refused to give the card back. These guys had the Keys to the Kingdom handed to them.
So William, what do you suggest we do? Ignore the clipboard, it’s just some notes I made while I was Googling. Nothing important. Oh, and thanks to Tom for requesting an update on the blog. I went along with it, but really, you people should already know stuff like this.
And I quit smoking why? It’s okay, Margie, not to worry. This one’s relatively simple: do not ever use your ATM card in a machine that does not have the name of a recognized financial institution on the front. Personally, I only use my own banks’ machines, no matter where I am. Sometimes it’s inconvenient, but I can sleep at night.
I knew that. But it’s good that we’re telling everyone else, because that is dumb as hell. First of all, those machines in bars and those yucky convenience stores (have you checked the date on the M&Ms in those places? Scary.) are bad news. The fees are really high and they only give out like $40 at a time. Plus, what is one of Margie’s main rules to live by? Never, ever put anything important in anywhere you’re not sure of. Okay? You can get something worse than, you know, bad candy that way. William, there you go with the desk again. Is something wrong?
Oh, no, Margie. Just a crick in my neck.
I can fix that, you know. I looked up “de-stressing with massage” on the Internet once, so I know all about it. There were even some good pictures, but I get in trouble for putting up pictures on the blog. So, any way, I can fix that for you.
NO! I mean, thank you, Margie, but I’m fine. Here’s another favorite: an email is circulating around, purportedly from a “private investigator” (although sometimes it’s headed as being from the FBI, or the Secret Service, or even the IRS in a couple of cases), claiming that the mark’s phone calls have been recorded, and for a small fee of say, five hundred dollars, the entire matter can be “disposed of”. Click on the attached file and listen to what’s been recorded, then decide for yourself if it’s worth it. Preying on most people’s guilty conscience (and we all have something we feel guilty about), many people have actually attempted to listen to the attached MP3 file. The problem is, the “recording” is in actuality a Trojan horse of the most insidious kind, one that allows the person who sent it to take control of your computer and use it in a “chain” of infected machines to mount a brute force attack against, say, American Express or Wells Fargo.
I cannot believe people are still responding to random e-mail scams. Guess what? That prince in Nambabze or wherever doesn’t really have money to send you either, okay? And Bill Gates is not sharing his wealth with you if you send a note to 45 of your closest friends. Duh.
Thank you, Margie. If you get an e-mail from someone you do not know, Don’t Open It. Period. That goes triple if there’s an attachment. I don’t care if the header reads SEE DANIEL CRAIG NUDE, or WATCH UMA THURMAN GET NASTY (both of which have actually been used to infect and take over corporate networks), unless you are absolutely certain who sent it, don’t open it. Personally, if I’m going to send someone a file of any kind, I send an advance email telling them it’s enroute, what the name of it is, and what format it’s in.
Oooh – enroute is French right? Oh, did I interrupt you? Sorry. I didn’t want you to miss anything. Stop looking at my clipboard. There’s nothing on there for you, Nosy McNebhead. I sure hope we don’t need to remind everyone (because it’s like, as basic as washing your hands or something) – Never give anyone your PIN number or social security number or any other important stuff via e-mail or on the phone. And if some wipe sends you a photo that looks just like that shot of Goran Visnij except it has glasses, and says it’s his picture, so how about sending him yours, block the idiot.
Hey! Put that cigar away, you baboon, this is a Non Smoking Area. If I get that smell in my hair you are in serious trouble, bub. This is fun, huh? It’s like I’m translating for you at the United Nations, isn’t it? Okay William, your turn again.
Uh, sorry. (ahem) What I meant to say was “Why, yes, Margie, “translating” is the word I’d use.” Sure. Okay.
Based on personal and professional experience, my recommendation is that the safest thing to do this time of year is to have ONE credit card to carry and use. NOT an ATM card, but if possible, a single credit card. Use it, and it alone. Watch the statements very carefully, especially from December through February. Use a separate card for online purchases only, and monitor that statement even more closely. Try and avoid using your ATM card for purchases. Believe me, I understand the convenience of them, but all it takes is one dishonest bartender, store clerk, checkout person, and you can get wiped out.
Good ideas, William, and thanks. You really are kind of smart for a cigar smoking martini drinking red-meat-eating dinosaur. But you’re kinda old, so I guess it’s pretty inevitable that you’d pick up stuff over all those years. Yanno, the Tarts are going to ask me what those dents on the desk are, okay? They won’t understand when I tell them to match the size of your forehead with the dents in the desk, savvy? So, knock it off. Hey, you're packing up - so you’ve got to run? Okay, ‘Bye.
Wow…I never heard a grown man scream like that. I mean, at least at work. I hope he didn’t fall down the stairs or something on his way out. Now, let’s all be careful out there, okay? And use some common sense. Close your purse and carry it close to your body. Park your car in a lighted area. Don’t shop alone at night, or if you do, ask for an escort to your car. Check under your car and inside the car before you get in. Yeah, it’s a pain in the ass. Do it any way. How some of you have lived this long without my help is a real puzzle, I’m telling you.












