Science officer, is here to explain how lifelocks proprietary technology is helping fight Identity Fraud. Dr. Coggeshall, thanks for being here. My pleasure. Tell me about lifelocks proprietary technology. Well, we do a variety of things. And what we do is really cool. We go to our more than a trillion Data Elements in our data bank. Well look at all the other things its connected to in the world, all the other applications we see, we look at whats going on at the address, has anybody else used that Social Security number, is there something strange about that email . And we gather all that information together and put it through some pretty complicated mathematical formulas, and we come up with a probability score, the likelihood that thats a fraud attempt. And then you alert me as a lifelock customer if you see something out of the ordinary . Thats correct. If a member gets an alert, they have the opportunity to say, oh, yeah, thats me. But if its not them, if theyre sitting home watching tv and they get one of these alerts, they can press a button and contact lifelock, and we start the process of shutting that fraud attempt down. Lifelock started from the very beginning specifically to protect our members from Identity Fraud. Thats our reason for existence. My cellphone goes off at just past 6 00 a. M. And its a text alert from lifelock. Someone attempted to use my name and Social Security number to open a credit card. They filled out an Application Online with a 10,000 limit. Lifelock caught it, notified me, and we were able to stop that credit card from ever being issued because we caught it early enough in the processing phase. When your identitys been stolen, you want a knowledgeable, trusted friend on your side to get you out of the mess, and this is the big difference between monitoring your own credit and lifelock. A lifelock membership means you have a whole team of identityprotection agents ready to watch for threats to your identity, to answer your questions, and to help resolve identitytheft problems. Lifelock members like me get a dedicated agent based right here in the u. S. To help resolve any threats to your identity. Meet identityprotection agents daniel, pua, and sarah. Theyre part of a team of agents who address identity threats and help lifelock members if an Identity Theft occurs. What happens when a member gets an alert . I mean, when do you get involved, and how does that work . Once our members notify us that it was not them, that they believe its Identity Theft, is when we get started. Then youll speak to somebody like me, and ill call you and ill assist you through the whole process. We know who to call, what documents are needed, and we get it done much quicker than a member ever could on their own. I know the questions to ask, i know the people to talk to, i know the numbers to call, and i can make it just so much easier for you. And im also willing to stay on hold for you if you need. Wait a minute. Say that again . Yeah, im willing to stay on hold as long as it takes on your behalf if necessary. cause that is the worst part staying on hold. It is. [ chuckles ] but im happy to do it. Youre happy to do it . Yes. I am. Now, sarah, i know that you are a veteran. You, i assume, work with a lot of veterans and people in the armed services. I do. Up until a couple years ago, Social Security number was on identification cards. Its sad that people fighting for our country have to worry about that, but we are more than happy to help and see them through it, to carry the burden, and that way they can focus on the mission, and thats why i love what we do. And when you go home, sarah, at the end of the day, what makes you say, that was a good day . I love when i close a case. I love it. And every time i close one and i cant wait to call my member, it really is just gratifying knowing that taking the burden and helping them through the process and being able to make that phone call, hey, your case is closed is priceless. I love it. Whats impressed me most about lifelock is theyre also gonna be there to help you afterwards if something happens. The credit monitoring agencies, theyre just gonna go, no, you had an issue. Its on you. Whereas lifelock says, let us help you. Every single time the lifelock agent, if weve had to stay on the phone too long with the other company, the agent will always say, let me take this, angela. Ill call you back when i get them back. And i just feel like they respected my time and me. They know everything that theres no way i could know. I dont have to think about, how do i fix this . I turn it over to lifelock, and theyll help me. Announcer Identity Theft is the Fastest Growing crime in america. Are you at risk . You could be if you bank or shop online, have Health Insurance or fill out medical forms, if you have a smartphone or use public wifi, even if you file your taxes online. No matter how careful you are, your Social Security number and your other personal information is out there out of your control. Just detecting the problem is not enough. How do you resolve an issue if you have one . I signed up for lifelock. We have someone in our corner to help fight that fight. Announcer a lifelock membership means you have a whole team of lifelock identityprotection agents ready to answer your questions, help resolve identitytheft problems, and to keep watch for threats to your identity by monitoring more than a trillion data points a day. Thats why millions of people have become members of lifelock. Its the best identitytheft protection available. The minute you become a lifelock member, you have exclusive membersonly protection services, including 24 7 access to u. S. Based identityprotection agents, real people with experience and identityprotection knowledge to answer your questions, proprietary lifelock identity monitoring with a technology that detects threats to your identity, plus dedicated lifelock Restoration Specialists to get on the case if your identity is ever stolen and to work with you to set things right, all backed by our 1 Million Total Service guarantee. Every lifelock membership comes with a 1 Million Total Service guarantee. That means if your identity is ever stolen, lifelock will spend up to 1 million on experts to help set things right. Announcer lifelock memberships start at only 9. 99 per month. And listen to this. Through this special tv offer, when you call right now, you can get your first month free. Youll get 24 7 access to u. S. Based identityprotection agents, proprietary lifelock identity monitoring, dedicated lifelock Restoration Specialists, the 1 Million Total Service guarantee, and so much more. I feel like not having lifelock is kind of like not wearing a seatbelt in a car. Why would you do it . Announcer join in minutes. Protection starts immediately. Use promo code free to get the first month of your lifelock membership free. As an extra bonus, call right now and get this document shredder a 29 value as our gift. So dont wait until someone uses your identity for their benefit. Get your first month free when you become a member today. With memberships starting at only 9. 99 per month, there is a plan for everyone. With lifelock, i wanted to have somebody on my side who was helping us be proactive and protect our identity. Announcer or visit golifelock. Com. Use promo code free to get your first month free, and a free shredder with annual membership. Join now. Protection starts in minutes. Nearly 50 of American Adults have been affected by data breaches. If youre notified of a breach, youre nearly 7 times more likely to be a victim of Identity Fraud than those who are not notified. And once your information is out there, its out of your control. Thats why you need protection. You know, ive always heard of these data breaches at retailers. You always think it doesnt happen to you. And it did. My information, as well as that of many others, had been breached during a Christmas Shopping season by this major retailer. And thats when i said, i have to protect my family. I called lifelock. It was so simple, and i actually was kicking myself that i didnt do it earlier. Sometimes i even like hearing the ding, knowing theres an alert. Lifelock makes me feel safe knowing someone is concerned about my future and that of my children. You know, jeff, last time i was part of a data breach, i got this letter, and they offered me identitytheft protection. I mean, what do you think about that from the company that just got breached . Well, by the time you got the letter, its already days or weeks have gone by since the company even realized it happened, and they dont usually realize its happened until well after the breach has occurred. So the point is, its too late. I mean, youve already had your information out there. It could already be a big problem. The point of identitytheft protection is being proactive. Thats what lifelock does. It helps you figure out if someones trying to steal your identity, and then if it does happen, they help to resolve it. I went to the doctor, and they told me i got a letter that there was a breach and that my information may have been compromised. I was very relieved that i had already signed up for lifelock. So, heres one scam that criminals will do. Theyll buy an 800 phone number, which will actually forward to their cellphone, and then theyll call up and leave a voicemail to you telling you theres a problem with your banking account. Theyll leave that 800 number in hopes that youll call them back. So you should have received a security i. D. When you got your voicemail. So, once they answer the phone, the first thing theyre gonna want to do is theyre gonna want to verify that you are who you say you are. For security purposes, i just need to verify your Social Security number. People are very used to that, so theyll say, sure, my Social Security number is whatever it is, and just like that, they have that before people even have a chance to think, maybe i shouldnt have given that out. Yeah, no problem at all. You have a great day. Thank you. Byebye. And just like that, we have her Social Security number. Protecting your identity is a Smart Financial move. Personal finance expert, bestselling author, and journalist Lynnette Khalfanicox helps her clients with their financial portfolios. Heres what she had to say about identitytheft protection. You might be doing a lot of things right. You might be saving, planning for the future, investing. All of those things are great. But if you havent taken time to protect yourself against the risks that are out there, the very real risk of Identity Theft, then you havent really secured your familys finances in a way thats smart. Identity theft is a threat to your Financial Wellbeing because it not only affects your Credit Rating and impacts your ability to get loans, it could also hamper you in everyday life, and doing things like renting an apartment, getting a mortgage, or even getting a job that you might need. The people who get financial help for any aspect of their lives, whether its taxes, whether its managing credit card debt, whether its planning for retirement, they actually tend to do a lot better in reaching their goals, and likewise, the people who have expert help to deal with the problem of Identity Theft, those folks also fare so much better because they have a team of experts who know the groundwork, who know what to do in a way that the typical person just doesnt know. Lifelock helps alert you about potential identitytheft problems, and that early alert is crucial because you can take action and do something immediately to prevent the problem from getting worse. Ive been a lifelock member now since 2008, and i cant imagine being without lifelock any more than i can imagine racing down a highway without a seatbelt. I mean, if somebody breaks into your house, you can get a new lock. If your car is stolen, you can get a new car. But you only have one identity. Youre not gonna be able to replace it. So protect it with the best. When your identity is stolen, you just feel so violated and just so helpless. But knowing that you have lifelock, it just you have this whole team of people on your side, and you know that you dont have to go it alone. We feel protected, and we feel like theres almost like a blanket of security around us. Its just really great to know that they are there and we can call on them whenever we need it. I would compare lifelock to having that big older brother walking side by side with you on the first day of school so that everyone knows dont mess with him. Choosing lifelock to protect our identity was one of the best decisions weve ever made. This is financial protection that you cant afford not to have. Its kind of like the people who say to me, uh, im too cashstrapped and i cant afford to save. I say, you cant affordnotto save. Likewise, you cant afford not to protect your Credit Health and your identity. The value of lifelock to me its priceless. Whats the value of your credit . Whats the value of your familys credit . Ive been attacked seven times since 2011. And each time, lifelock was there to help me. Im gonna be a lifelock member for life. What is more important than making sure the only you out there is you . Announcer Identity Theft is the Fastest Growing crime in america. Are you at risk . You could be if you bank or shop online, have Health Insurance or fill out medical forms, if you have a smartphone or use public wifi, even if you file your taxes online. No matter how careful you are, your Social Security number and your other personal information is out there out of your control. Just detecting the problem is not enough. How do you resolve an issue if you have one . I signed up for lifelock. We have someone in our corner to help fight that fight. Announcer a lifelock membership means you have a whole team of lifelock identityprotection agents ready to answer your questions, help resolve identitytheft problems, and to keep watch for threats to your identity by monitoring more than a trillion data points a day. Thats why millions of people have become members of lifelock. Its the best identitytheft protection available. The minute you become a lifelock member, you have exclusive membersonly protection services, including 24 7 access to u. S. Based identityprotection agents, real people with experience and identityprotection knowledge to answer your questions, proprietary lifelock identity monitoring with a technology that detects threats to your identity, plus dedicated lifelock Restoration Specialists to get on the case if your identity is ever stolen and to work with you to set things right, all backed by our 1 Million Total Service guarantee. Every lifelock membership comes with a 1 Million Total Service guarantee. That means if your identity is ever stolen, lifelock will spend up to 1 million on experts to help set things right. Announcer lifelock memberships start at only 9. 99 per month. And listen to this. Through this special tv offer, when you call right now, you can get your first month free. Youll get 24 7 access to u. S. Based identityprotection agents, proprietary lifelock identity monitoring, dedicated lifelock Restoration Specialists, the 1 Million Total Service guarantee, and so much more. I feel like not having lifelock is kind of like not wearing a seatbelt in a car. Why would you do it . Announcer join in minutes. Protection starts immediately. Use promo code free to get the first month of your lifelock membership free. As an extra bonus, call right now and get this document shredder a 29 value as our gift. So dont wait until someone uses your identity for their benefit. Get your first month free when you become a member today. With memberships starting at only 9. 99 per month, there is a plan for everyone. With lifelock, i wanted to have somebody on my side who was helping us be proactive and protect our identity. Announcer or visit golifelock. Com. Use promo code free to get your first month free, and a free shredder with annual membership. Join now. Protection starts in minutes. The preceding was a paid presentation for lifelock. Today as americans we grieve the brutal murder, a horrific massacre of dozens of innocent people. We pray for their families who are grasping for answers with broken hearts. We stand with the people of orlando who have endured a terrible attack on their city. Although it is still early in the investigation, we know enough to say that this was an act of terror and an act of hate. As americans we are united in grief, in outrage and in resolve to defend our people. I have directed that the full resources of the federal government be made available for this investigation. We are still learning all of the facts. This is an open investigation. We have reached no definitive judgment on the precise motivations of the killer. The fbi is appropriately investigating this as an act of terrorism. And i have directed that we must spare no effort to determine what if any inspiration or association this killer may have had with terrorist groups. What is clear is that he was a person filled with hatred. Over the coming days we will uncover how and why this happened and we will go wherever the facts lead us. This morning i spoke with my good friend orlando mayor buddy dyer. And i conveyed to him the deepest condolences of the american people. This could have been any one of our communities. So i told mayor dyer that whatever help he and the people of orlando need theyre going to get it. As a c