Subject: How to Keep Your Online Behavior Private, and How to Stay Safe from Craigslist and Credit Card Scams
From: "AllClear ID Newsletter" <[email-masked]>
To: <[email-masked]>
Date: Thu, 19 Apr 2012 15:09:42 -0600

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 April 2012
	- Alert! Keep Your Credit Cards Safe from Fraud
	- How to Keep Your Online Presence to Yourself
	- Craigslist Scam Involving Google Checkout
	- Win an iPad! Contest Info Below
 
Alert! Keep Your Credit Cards Safe from Fraud
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In light of the recent security incident at a large payment processor for several major credit card brands, here are our top tips to protect your credit card.

	1. Check your statements frequently. Luckily, for credit cards after fraud has occurred, there is no time limit to report fraud. Your maximum liability is $50, or $0 if the fraud involves your credit card number, but not the card itself.  Check the FTC website for more details.
	1. Set up transaction alerts. Almost all banks offer the ability to receive customized email or text message notifications for a number of things including when:
	- Your credit card account exceeds an activity limit that you choose
	- Your available credit card balance drops below a certain amount
	- A purchase is made over a limit that you choseWe recommend receiving an alert any time a purchase is made on your account.  To sign yourself up for alerts, sign into your account online and look for an "alerts" link or page. The location varies depending on the company, but here are the information pages for some of the major banks and credit card companies.

	- 
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Wells Fargo 
	- 
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Bank of America 
	- 
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Chase 
	- 
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American Express 
	1. 
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Download the free AllClear ID iPhone App : Our Fraud Detection alerts you when your personal information is reported stolen including credit card numbers.  Download it today, and share it with your friends and family so they can also sign up to receive alerts.

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How to Keep Your Online Presence toYourself
From
your smartphone showing everyone where you&rsquo;ve been, to your Internet 
surfing creating &ldquo;cookies&rdquo; that deposit themselves in your Web browser&rsquo;s
files, you may not know the extent to which your personal information &ndash;
and how much of it &ndash; is being gathered.  Everywhere you go online, the 
sites you visit and what you see are all being tracked.

Tracking
your behavior to figure out what you might buy isn&rsquo;t new: direct 
marketers, like the ones that send you coupons in the mail, have been 
doing thisfor
years. But the online world captures a big amount of your day-to-day 
activity, from socializing with friends to searching the Web. By 
combining the online and offline data, the amount of information 
marketers can determine about you is huge.

There are free tools to help limit the amount of information you share:

	- The
best place to start is with your web browser. All browsers offer tools 
that let you block cookies. To change your privacy settings, hit the 
&ldquo;Tools&rdquo; or &ldquo;Settings&rdquo; button on your browser and choose a privacy level.
	- Many
advertisers have joined a voluntary program that will search your 
system to tell you how many ad networks have planted cookies on your 
browser, and allow you to block some or all of them. If you want to opt 
out of advertising cookies, go to
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www.aboutads.info  to find out how.
Also
realize that everything you do on the Internet could become public 
eventually. Even if a website you&rsquo;re on has a strict privacy policy, 
these policies can &ndash; and do &ndash; change.  The best measure to take: Stop 
sharing data online that you don&rsquo;t want to be public.

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Read more tips to protect your online presence on the blog! 

 Craigslist Scam Involving Google Checkout

Anyone thinking of making purchase on Craigslist soon needs to exercise caution. There is a scam going on involving Google Checkout and out-of-state purchases. If you fall for it, the scammer ends up with your identity including name and address, plus your money, while you get nothing in return.

How it works:

	- The scammer lists an item on Craigslist, commonly a motor vehicle like an ATV, a pickup truck, or a small car or motorcycle.
	- The price is well below market value, and they have a story about why they are selling it so cheaply.
	- Once you indicate interest, the scammer will tell you that the vehicle is ready for shipping to your address from an out-of-state location. All you have to do is provide your name and shipping address, and then everything will be set up via Google Checkout.
	- If you ask to see the item, they will say that it&rsquo;s already in storage ready to be shipped, so you can&rsquo;t meet them or take a look at it.
	- They ask you to provide the information to Google Checkout, say you will have a quick grace period to make a final decision, and that Google Checkout will hang on to the money until you give them the go ahead to complete the transaction.
The entire story is a scam: once you put the money and your identity details into Google Checkout, you won't see it again. While Google Checkout is a legitimate service, these scammers are using a dummy website.  So be wary of any requests to send money, and your identity, to buy a product out of state or sight unseen.

What tips do you have for safe transactions on websites like Craigslist?
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Tell us on the blog.

Would You Like to Win an iPad?
Check out our 
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Facebook page  and enter to win an iPad 3 from AllClear ID! If you haven't installed the free AllClear ID iPhone app yet, 
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download it today . The app offers a totally free way to manage your identity on the go - along with Fraud Detection, secure phone alerts, and access to our live Investigators, discover our ID Protection Guide which compiles over 20 free identity protections that you can enable today.

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privacy policy.

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