Get caught, face 10 years in prison. Now they steal our identities. Announcer 1 in 4 people have experienced Identity Theft. Your age and your income dont matter to identity thieves. Just having a Social Security number makes you a target. Crime is changing. Criminals have moved into cyber crime because they know the risks low to them and the payoff is much higher. Announcer over 100 million americans have had their personal data exposed, and theres a new victim of Identity Fraud every 2 seconds. Were all vulnerable to Identity Theft, unfortunately. For savvy consumers who really want to safeguard eir overall Financial Wellbeing, you have to be proactive and take sts to guard against this problem. Announcer in the digital age, our information is everywhere, making us all more vulnerable to Identity Theft. Thats why millions of people have become members of lifelock. Its the best identitytheft protection available. It was a very empowering experience for me to have lifelock on my side. Accounts and my Social Security number. Lifelock made it so i can go back to my life. I feel safe. Lifelocks there. I dont need to worry about this now. I cant tell you how happy that made me. Announcer stay tuned and meet top experts in the field of Identity Theft. Learn some of the tricks identity thieves do to steal your personal information. So this is how easy it is to skim thicard. Announcer and learn more about how lifelock detects fraud d helps protect you from Identity Theft. Detecting fraud is a lot like squeezing jello. As soon as you stop it at one place, it squirts out somewhere else. And weve really devoted the last decade of our research specifically to Identity Fraud protection. Announcer find out more about what a lifelock membership means to you and meet some of the lifelock Identity Protection agents ready to answer your questions, to help resolve identitytheft problems, and to keep watch over your private information. You have this whole team of people on your side, and you know that you dont have to go it alone. Done without lifelock. When i first got the alert from lifelock, my reaction was actually, ha ha, i got you. Since id been alerted and lifelock was helping me resolve the issu whoever was doing that wasnt going to be able to benefit. I was a victim of Identity Theft, and it wasnt fun. I was on my own. I had no idea what to do. And it was a terrible feeling. But it wasnt as bad as when it happened to my daughter, who was 7 at the time. Somebody had stole her Social Security number. I was furious. I was concerned about her future. And so i concted lifelock because i had heard about them. I looked into what they offer, and it was the best thing i ever did. Announcer now lets join lifelock member tom jourden to learn more about Identity Theft, the Fastest Growing crime in america. With tom is former fbi agent and renowned speaker jeff lanza, an expert in fraud, cyber crime, jeff, thanks for being here. Youre welcome. You know, 10 years ago, i didnt even think about Identity Theft, but then, unfortunately, i became a victim. And now we hear that its the Fastest Growing crime in america. Why is that . A couple of reasons why its the Fastest Growing crime in america number one, its easy to commit, and the bad guys know that. The second reason is, its very lucrative. So once they get your information, especially your Social Security number, then s easy to convert that into cash, to monetize that information. And once that happens, the victim is left with a lot of problems. I think most people think if they have a problem, their bank or Credit Card Company will just take care of it for them, right . Well, it depends on what the problem is. If the problem is credit card fraud, someone used your existing credit card number or cloned your card, yeah, the bank will take ca of that. But thats just one part of the problem of Identity Theft. Theres a much broader problem, and that is when someone steals your identity entirely. Theyve got your i. D. , theyve got your sial security number, they apply for these accounts in your name. You dont even know its you may not figure it out until you get a call from a bill collector, a Credit Card Company that says youre past due on a credit card that you dont even know you had. So when youre on your own, youre kind of just blind that this is happening cause theres no one out there looking out for you. Thats exactly right. You know, we have our jobs, we have our family, we have our life. Do you want to take hours out of your day, maybe for days and weeks at a time, to try to figure out how to correct the problems that the identity thief caused . If you were gonna do all that, i dont know how much time it would take or even where you would begin to do that. You dont have the technology to do that. So, in general, the advice you would give what can we do to protect ourselves . The earlier Identity Theft gets detected, the sooner you can address the issues and stop it from getting worse, and thats where lifelock comes in. They deal with this every day. When jennifer learned a fraudulent account was opened in her name, she thought she could easily deal with it on her own. So here i am trying to call and prove that im the real jennifer, and they just dont believe me. I probably talked to six or seven people. I did not sign up for this credit card. I dont owe you any money. That person says, well, i cant help you, but let me transfer you to this person, and its just so aggravating. Its like, just send me to the right person. I almost got to the point where i was like, let me pay for this 400 and just close the account and lets be done, but the thing is, there were other credit cards out there. You just dont know how deep it goes. When my lifelock agent got involved, somehow she knew exactly who to talk to. I never figured out that, but she knew exactly who to talk to. And she helped me take care of it. We work, shop, even pay bills almost anywhere. Its great, but it can also make us more vulnerable to Identity Theft. Jim stickley is paid to think like a hacker. Heseen featured on investigative reports revealing where were the most vulnerable to cyber crime. No one thinks theyre gonna fall victim to Identity Theft, but check this out. In a caf\ like this, you know, people have this idea that they feel its being provided by the local caf\ here, so it should be safe. Threality is, though, that Something Like this this is a wifi device can be brought to a local caf\, set up right here in front of people without them even knowing it, and instead of them connecting to the wifi in the organization, theyll be connecting to this wifi device instead. What if they type in login credentials . Ive got them. If they type in a password, ive t it. If they type in credit card information, ill get that, as well. All of this information can be captured by the criminal, and then they can use that information to commit Identity Theft. I do these scams to show people whats going on out there. Criminals are continually finding new ways to rip people off. And the bottom line is, you need somebody in your court. Thats why lifelock makes so much sense. These real lifelock members all volunteered to share their experience in this sw. Stay tuned to hear more true stories, learn more about how identity thieves work, and find out how lifelock can help protect your identity. The Fastest Growing crime in america. Are you at risk . You uld 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 whole team of lifelock identityprotection agents ready answer your questions, 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 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 immediately 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 total service guarantee, and so much more. I feel like not havin 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 ee 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 fe, and a free shredder with annual membership. Protection starts in minutes. So, you might think that your credit card is safe if it never leaves your sight, but the ality is, in the wrong hands, all it takes is a second for it to be stolen. Thatll be 7. 49. Great. Skimming is when a criminal will take your credit card and theyll run it through a device. So, this is how easy it is to skim this card. Sorry about that. And then that device is gonna record everything that was on your card. They can then use that information to go out and shop online or even make their own credit cards to make purchases in the next store they go to. I do these scams to show people whats going on out there. Criminals are continually finding new ways to rip people off. Its something thats out of control. I cant protect my identity all the time with everything that i do. Bad people are gonna get your information whether you want them to or not. I have really a teammate in lifelock knowing that theyre keeping an eye out for things, things that i couldnt do myself, and having them on my [sighs] i can just relax and take one worry off my plate. The Technology Behind cyber crime is extensive, but at about lifelocks technology to protect you . Well,. Stephen coggeshall, lifelocks chief analytics and 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, 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 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 thrts 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 ideity theft, is when we get started. Then youll speak to somebody like me, and ill call yound ill assist you through the whole process. We know who to call, what documentare needed, and we get it done much quicker than a member ever could on their own. I know the questionto ask, i know the people to talk to, i know the numbers to call, and i can make it just so much easr 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 . 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 othe 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 pne call, hey, your case is closed is priceless. I love it. Wts impressed me most about lifelock is theyre also gonna be there to help you 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 nk 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 . 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, 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 identy, plus dedicated lifelock Restoration Specialists to immediately get on the case if your identity is eve