Robert Siciliano Identity Theft Expert
WE DO NOT SELL DUMPS. DO NOT EMAIL OR CALL US.
WE DO NOT SELL DUMPS
Albert Gonzalez and his gang of criminal hackers were responsible for data breaches in retailers and payment processors, with some estimates saying they breached over 230 million records combined. Gonzalez, considered a proficient criminal hacker, provided “dumps,” a term which refers to stolen credit card data, to “carders”. “Carders” are the people who buy, sell, and trade stolen credit card data online. This video provides an example of an online forum where stolen data is bought and sold. Gonzalez pleaded guilty to his crimes and will be serving the next fifteen years in jail. He and his gang used a combination of schemes that have caused a significant increase in counterfeit fraud.
Hackers rely on a variety of techniques to obtain credit card data. One such technique is wardriving, in which criminals hack into wireless networks and install spyware. Another is phishing, in which spoofed emails prompt the victim to enter account information. Phexting or smishing are similar to phishing, but with text messages instead of emails. Some hackers use keylogging software to spy on victims’ PCs. Others affix devices to the faces of ATMs and gas pumps in order to skim credit and debit card data.
Gonzalez and his gang used another, more advanced technique known as an “SQL injection.” SQL stands for “Structured Query Language.” The term refers to a virus that infects an application by exploiting a security vulnerability. WordPress, a blogging platform, is an example of a commonly used application that has been found vulnerable to these types of attacks. There are hundreds of other applications that can fall victim to an SQL injection.
IBM Internet Security Systems discovered 50% more web pages infected in the last quarter of 2008 than in the entire year of 2007. In 2005, a now defunct third party payment processor called CardSystems suffered an SQL injection, compromising a reported 40 million credit cards.
While Gonzalez has gone down, carders are still very active. A group of white hat hackers that calls itself War Against Cyber Crime recently succeeded in breaking into Pakbugs.com, a Pakistan-based carder forum, and published a list of members’ login details and email addresses. Pakbugs.com has since dropped offline.
With 213 million cardholders and 1.2 billion credit cards in the U.S., there’s no shortage of opportunity for carders to maintain their current pace. When a carder uses one of your existing credit cards, it’s called “account takeover.” When they use your personal information to open up new credit accounts in your name, it’s called “new account fraud” or “application fraud.”
1. Protecting yourself from account takeover is relatively easy. Simply pay attention to your statements every month and refute unauthorized charges immediately. I check my charges online once every two weeks. If I’m traveling extensively, especially out of the country, I let the credit card company know ahead of time, so they won’t shut down my card while I’m on the road.
2. Protecting yourself from new account fraud requires more effort. You can attempt to protect your own identity, by getting yourself a credit freeze, or setting up your own fraud alerts. There are pros and cons to each.
3. Invest in Intelius Identity Protection and Prevention. Because when all else fails you’ll have someone watching your back.
· Triple Bureau Credit monitoring – monitors changes in your credit profiles from Equifax, Experian and TransUnion-includes email alerts of any suspicious changes
· Social Security Number and Public Record Monitoring – monitors the internet and public sources for fraudulent social security number, aliases, addresses, and phone numbers
· Junk Mail Reduction – stop identity thieves from using personal information from your mailbox, trash or even phone calls by eliminating junk mail, credit card offers and telemarketing calls
· Neighborhood Watch – includes a sex offender report, list of neighbors and a neighbor report on each of your neighbors
· Identity Theft Specialists – if in the unlikely event you become a victim of identity theft our Identity Theft experts will work with you to restore your identity and good name
· Credit Report Dispute – if you find errors on your credit report we will help you resolve them quickly
· Protection Insurance and Specialists -Identity Protect has you covered with up to $25,000 in Identity Theft Recovery Insurance and access to Personal Identity Theft Resolution Specialists.
Robert Siciliano Identity Theft Speaker discussing credit card and debit card fraud on CNBC
ROBERT SICILIANO, CEO of IDTheftSecurity.com is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds. His "tell it like it is" style is sought after by major media outlets, executives in the C-Suite of leading corporations, meeting planners, and community leaders to get the straight talk they need to stay safe in a world in which physical and virtual crime is commonplace. Siciliano is accessible, real, professional, and ready to weigh in and comment at a moment's notice on breaking news.
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