yellow pages news jobs local specials coupons hotels events calendar movie times RSS News Feeds
Rocklin and Roseville Today
   |   Current Temp: 67.0 F (19.4 C)
 

Target Hacking a Reminder That Personal Data Is Never Safe





In light of the recent news about Target's data security breach, Consumer Action, the National Consumer Law Center and U.S. PIRG remind consumers that:

1. Your liability for fraudulent charges is limited under federal law.

Credit Cards: Under federal law, your responsibility for unauthorized credit card charges is limited to $50, and in some cases would be $0.

Debit Cards: Your responsibility for debit card fraud charges is a bit more:

    * $50 if you notify the bank within 2 days.
    * Up to $500 afterwards.
    * Unlimited if you fail to report the fraud charges within 60 days after you receive your bank statement.

Also, since the money to pay the debit card comes directly out of your bank account, you won't be able to use that money until the fraud charge is reversed.

Both VISA and MasterCard have "zero liability" policies that limit your losses to $0, but these are voluntary policies.

Finally, when you contact your credit card company, don't pay a fee to receive a replacement card - even during the holiday shopping season. Ask the issuer to waive the expedited fee to send a replacement card. For more information on reporting card fraud, see Consumer Action's Credit Card Fraud module.

2. Check your credit report, but don't panic.

If you are worried that a security breach has made you a target of identity theft, check your credit report - it's always a good idea to do that regularly. But theft of a credit card number is unlikely to lead to the thief opening new accounts. That's because the key piece of information needed for "new account" ID theft-your Social Security Number-is not part of the credit card data.

3. Don't pay for expensive credit monitoring or fraud detection services.

You can check your credit report for free once a year using www.annualcreditreport.com-no need to pay for a monthly service.

As for fraud detection services, some of them have been known to do questionable things. For example, one of these companies, LifeLock, paid $11 million to the Federal Trade Commission in 2010 to settle charges that it used false claims to promote its identity theft protection services.

4. The strongest prevention against ID theft after a breach is a security freeze.

A security freeze prevents your credit report from being shared with potential new creditors. If your credit files are frozen, a thief will probably not be able to get credit in your name. You have a right to place a security freeze on your credit report under the law in most states, and freezes are available to residents of all 50 states. For more information, see:

    * Consumer Action's Security Freeze module.
    * NCLC identity theft tips.
    * U.S. PIRG's identity theft tips.

In addition to the advice above, advocates questioned whether Target has been in compliance with state laws that require consumers to be notified when there is a security breach.





more news Print This Article


Placer County News Headlines

Big DoG Countdown: What Would Jesus Do Inc.Big DoG Countdown: Learn about how What Would Jesus Do Inc. impacts your community.

Shooting in Rocklin on Abilene Circle Injures OneRocklin, CA - On 4-18-14 at 11:47 PM, Rocklin Officers responded to the 1600 block of Abilene Circle on a report of a possible shooting

Big DoG Countdown: PRIDE IndustriesBig DoG Countdown: Learn about how PRIDE Industries impacts your community.

Roseville Shooting Leads to Arrest of Sacramento TrioAt 7:45 p.m. April 16, officers responded to a report of shots fired from a car toward another car in the area of Pleasant Grove Boulevard and Fairway Drive.

Roseville Crime Report Digest (4-17-14)The Roseville Police Department's Crime Report Digest for April 17, 2014.

John and Marilyn Redding Recipients of 2014 Public Safety Leadership Award John and Marilyn Redding were this year's recipients of the Public Safety Leadership Award, which was presented to the Rocklin couple at the third annual Victim's Rights Breakfast.

Your Aging Genes and Risk of DementiaUC Davis Alzheimer's Disease Center Director Charles DeCarli will discuss "Your aging genes: What you need to know about your risk for dementia" during the Community Discovery Lecture Series on Thursday, May 8

America's ClayFest II in RosevilleThe Art League of Lincoln in conjunction with Blue Line Arts will be holding the second annual art show and competition at the beautiful Blue Line Arts in Roseville, CA

Placer Pops Chorale Spring Concert SeriesTickets are still available for the popular Placer Pops Chorale Spring Concert Series, directed by Lorin Miller, but hurry - they're going fast!

Chocolate Fest in Paradise May 10thExperience a chocolate paradise on the Paradise/Magalia ridge nestled among tall green pines in the foothills of the Sierra Nevada Mountains and overlooking the Sacramento Valley

Big DoG Countdown: Soldiers ProjectBig DoG Countdown: Learn how Soldiers Project impacts your community.

Big DoG Countdown: KidsFirstBig DoG Countdown: Learn about how KidsFirst impacts your community.




more news