identity theft – How To Occupy http://howtooccupy.org/ Tue, 15 Mar 2022 17:21:52 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://howtooccupy.org/wp-content/uploads/2021/07/icon.png identity theft – How To Occupy http://howtooccupy.org/ 32 32 Data Breach Alert: Lake Shore Savings Bank | Console and Associates, PC https://howtooccupy.org/data-breach-alert-lake-shore-savings-bank-console-and-associates-pc/ Tue, 15 Mar 2022 17:21:52 +0000 https://howtooccupy.org/data-breach-alert-lake-shore-savings-bank-console-and-associates-pc/ Recently, Lake Shore Savings Bank confirmed that the company had suffered a data security incident leading to the compromise of the names, addresses and bank account numbers of certain customers. If you have received a data breach notification, it is essential that you understand what is at risk. the data breach lawyers at Console & […]]]>

Recently, Lake Shore Savings Bank confirmed that the company had suffered a data security incident leading to the compromise of the names, addresses and bank account numbers of certain customers. If you have received a data breach notification, it is essential that you understand what is at risk. the data breach lawyers at Console & Associates, PC is actively investigating the Lake Shore Savings Bank data breach on behalf of those whose information was exposed. As part of this investigation, we are offering free consultations to anyone affected by the breach who wants to learn more about the risks of identity theft, what they can do to protect themselves, and what their legal options may be. get compensation from Lake Shore Savings Bank.

Last year, 1,862 data breaches affected more than 189 million people. On average, victims of identity theft spend 200 hours and over $1,300 trying to find their identity. Many victims also suffer from emotional distress, credit damage, and may even end up with a criminal record. Taking immediate action is the best way to prevent the worst consequences of a data breach.

Learn more about the causes and risks of data breaches

Often, data breaches result from a hacker gaining unauthorized access to a company’s computer systems in an effort to obtain sensitive consumer information. Although no one can know why a hacker targeted Lake Shore Savings, it is common for hackers and other criminals to identify companies suspected of having weak data security systems or vulnerabilities in their networks.

Once a cybercriminal gains access to a computer network, they can then access and delete all data stored on compromised servers. While in most cases a business victim of a data breach can identify the accessed files, they may have no way of knowing which files the hacker actually accessed or deleted. Datas.

Although the fact that your information has been compromised in a data breach does not necessarily mean that it will be used for criminal purposes, being the victim of a data breach puts your sensitive data in the hands of someone unauthorized. Therefore, you are at increased risk of identity theft and other fraud, and criminal use of your information is a possibility that should not be ignored.

Given this reality, individuals who receive a data breach notification from Lake Shore Savings Bank should take the situation seriously and remain vigilant by checking for any signs of unauthorized activity. Companies like Lake Shore Savings are responsible for protecting consumer data in their possession. If Lake Shore Savings Bank is found to have failed to adequately protect your sensitive information, you may be eligible for financial compensation through a data breach lawsuit.

What are consumer remedies following the Lake Shore Savings Bank data breach?

When customers decided to do business with Lake Shore Savings, they assumed the company would take their privacy concerns seriously. And it goes without saying that consumers would think twice about giving a company access to their information if they knew it wouldn’t be secure. Thus, data breaches such as this raise questions about the adequacy of a company’s data security system.

When a business, government entity, nonprofit, school, or other organization accepts and stores consumer data, it also accepts a legal obligation to ensure that this information is kept private. US data breach laws allow consumers to pursue civil data breach claims against organizations that fail to protect their information.

Of course, given the recentness of the Lake Shore Savings Bank data breach, the investigation into the incident is still in its early stages. And, at this time, there is no evidence yet to suggest that Lake Shore Savings is legally liable for the breach. However, that may change as more information about the breach and its causes comes to light.

If you have questions about your ability to bring a data breach class action lawsuit against zLake Shore Savings Bank, contact a data breach attorney as soon as possible.

What should you do if you receive a data breach notification from Lake Shore Savings Bank?

If Lake Shore Savings Bank sends you a data breach notification letter, you are among those whose information was compromised in the recent breach. Although this is not the time to panic, the situation deserves your attention. Below are some important steps you can take to protect yourself against identity theft and other fraudulent activity:

  1. Identify compromised information: The first thing to do after becoming aware of a data breach is to carefully review the data breach letter sent. The letter will tell you what information about you was accessible to the unauthorized party. Be sure to make a copy of the letter and keep it for your records. If you’re having trouble understanding the letter or what steps you can take to protect yourself, a data breach attorney can help.

  2. Limit future access to your accounts: Once you’ve determined what information about you was affected by the breach, the safest game is to assume that the hacker who orchestrated the attack stole your data. Although this is not the case, prevention is better than cure. To prevent future access to your accounts, you must change all passwords and security questions for any online account. This includes online banking accounts, credit card accounts, online shopping accounts, and any other accounts that contain your personal information. You should also consider changing your social media account passwords and setting up multi-factor authentication where available.

  3. Protect your credit and financial accounts: After a data breach, companies often provide affected parties with free credit monitoring services. Signing up for free credit monitoring offers important protections and does not affect any of your rights to bring a data breach lawsuit against the company if it is found to be legally responsible for the violation. You should contact a credit bureau to request a copy of your credit file, even if you notice no signs of fraud or unauthorized activity. Adding a fraud alert to your account will provide you with additional protection.

  4. Consider implementing a credit freeze: A credit freeze prevents anyone from accessing your credit report. Credit freezes are free and remain in effect until you remove them. Once a credit freeze is in place, you can temporarily lift it if you need to apply for any type of credit. While freezing credit on your accounts may seem like overkill, given the risks involved, it’s warranted. According to the Identity Theft Resource Center (“ITRC”), freezing credit on your account is “the most effective way to prevent a new credit/financial account from being opened.” However, only 3% of data breach victims freeze their accounts.

  5. Monitor your credit report and financial accounts regularly: Protecting yourself following a data breach requires continuous effort on your part. You should regularly check your credit report and all financial account statements for any signs of unauthorized activity or fraud. You should also call your banks and credit card companies to report that your information has been compromised in a data breach.

Below is the portion of the data breach notification sent by Lake Shore Savings Bank:

Expensive ,

The purpose of this letter is to notify you of a data security incident experienced by Lake Shore Savings Bank which may have involved your personal information, and, as a precaution, we are providing information on steps you can take to help protect your information. We take the privacy and security of your personal information very seriously and sincerely regret any concerns this incident may cause you.

What happened? On November 24, 2021, Lake Shore Savings Bank experienced a data security incident that prevented employees from accessing internal systems and data. Upon discovering this incident, Lake Shore Savings Bank immediately launched an investigation and hired a digital forensics firm to help determine what happened and what information may have been accessed. The Lake Shore Savings Bank also notified the FBI and the Office of the Comptroller of the Currency of the incident. During its investigation, Lake Shore Savings Bank identified unauthorized access to certain data in its systems. Although there is no evidence that your personal information has been misused, out of an abundance of caution, we are notifying you of the incident and providing information on steps you can take to protect your information.

The incident did not involve access to any Lake Shore Savings Bank account, and there is no evidence of unauthorized or suspicious activity in your Lake Shore Savings Bank account(s).

What information was involved? The information may include your name, address and bank account number.

What do we do? As soon as we discovered this incident, we took the measures described above. We have also implemented additional safeguards to help keep our network secure to reduce the risk of a similar event occurring in the future.

Plus, we offer identity theft protection services through IDX, the data breach and recovery expert. IDX Identity Protection Services include:< 12 mois/24 mois>> credit monitoring and CyberScan, a $1,000,000 insurance reimbursement policy and fully managed identity theft recovery services. With this protection, IDX will help you resolve issues if your identity is compromised.

What you can do: We encourage you to sign up for free identity protection services by calling 1-800-939-4170 or by visiting http://app.idx.us/account-creation/protect and using the registration code provided above. Please note that the registration deadline is June 7, 2022.

Please call 1-800-939-4170 or go to http://app.idx.us/account-creation/protect for help or any other questions you may have.

For more information: More information on how to protect your information appears on the next page. If you have any questions regarding this incident, please contact 1-800-939-4170, Monday through Friday (excluding holidays), 9 a.m. to 9 p.m. Eastern Time.

Please accept our sincere apologies and know that we deeply regret any concern or inconvenience this may cause you. Thank you for your continued trust and support.

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March 14, 2022 – Official website of Arlington County Virginia Government https://howtooccupy.org/march-14-2022-official-website-of-arlington-county-virginia-government/ Mon, 14 Mar 2022 16:40:36 +0000 https://howtooccupy.org/march-14-2022-official-website-of-arlington-county-virginia-government/ Posted on March 14, 2022 This report is published every day of the week, except on public holidays. The information contained in each report covers significant criminal incidents usually from the day before; reports published on Monday cover the preceding Friday, Saturday and Sunday. Some incidents may appear a day or two after the event. […]]]>

Posted on March 14, 2022

This report is published every day of the week, except on public holidays. The information contained in each report covers significant criminal incidents usually from the day before; reports published on Monday cover the preceding Friday, Saturday and Sunday. Some incidents may appear a day or two after the event. This report is not a complete listing of all police occurrences in Arlington County in the time period indicated. The addresses given indicate blocks and not specific addresses. For more information on crime in your area, visit our online crime mapping tool.

Note: The information in the Daily Crime Report is generally based on initial reports made to the police department. Follow-up surveys may reveal different or additional information. All persons arrested or charged with a crime are presumed innocent until proven guilty by a court.

REPORTS

MARKING (end), 2022-03110208, Wilson Boulevard at 10th Street N. At approximately 6:45 p.m. on March 11, police were dispatched to a late report of a waving. Upon arrival, it was determined that around 6 p.m. the victim was driving in the area when the suspect unsuccessfully attempted to merge into his lane. The suspect then rolled down his window and a verbal argument ensued before he allegedly brandished a gun. The victim then left the area by car. Shortly after, officers located the suspect vehicle in the 800 block of N. Pollard Street and observed the suspect return to the vehicle. Officers conducted a traffic stop and took the suspect into custody without incident, during which a firearm was observed in the passenger seat and recovered. Darren Dolan, 30, of Washington, DC, was arrested and charged with brandishing a firearm. He was released by citation.

MALICIOUS INJURIES, 2022-03110199, block 2200 of Shirlington Road. At around 5:30 p.m. on March 11, police were dispatched to report a fight in progress. Upon arrival, it was determined that the victim was in the stairwell of the apartment building when the known suspect approached him from behind and began to physically assault him. A brief fight ensues, during which the suspect hits the victim with scissors before fleeing. The victim suffered non-life-threatening injuries and refused medical treatment. A warrant for malicious injury has been obtained against the suspect.

BURGLAR (late), 2022-03100252, 1000 block of S. Hayes Street. At around 9:25 p.m. on March 10, police were dispatched to a late report of a burglary. Upon arrival, responding officers cleared the company with negative results. The investigation determined that at approximately 8:45 p.m., the unknown suspect broke into the business and walked through the store before fleeing on foot. No items were reported stolen. There is no suspicious description. The investigation is ongoing.

ASSAULT AND BATTERY2022-03100253 Block 4500 of S. Four Mile Run Drive

FUGITIVE FROM JUSTICE2022-03110020 1800 Block N. Lynn St.

VEHICLE HANDLING2022-03110077, block of 2000 from Columbia Pike

ASSAULT AND BATTERY2022-03110129 900 Block N. Stafford Street

ASSAULT AND BATTERY2022-03110133 Block 2700 S. Lang St.

ELUDANT2022-03110154 Army Navy Drive to S. Fern Street

ASSAULT AND BATTERY2022-03110177 Block 1700 S. Hayes Street

DESTRUCTION OF PROPERTY2022-03110214 500 Block N. Longfellow St.

THREATS2022-03130177, block 3500 of Nelly Custis Drive

ASSAULT AND BATTERY2022-03130012 Block 4200 Wilson Boulevard

ASSAULT AND BATTERY2022-03130140, 3700 block of Langston Blvd.

LIFTING AT THE FACILITY2022-03130189 1200 Block S. Fern St.

ASSAULT AND BATTERY2022-03130243 1800 block Richmond Hwy

ASSAULT AND BATTERY2022-03130246 1800 block Richmond Hwy

STOLEN VEHICLES

03/11/22, VA VSR2473, 2012 Toyota RAV4, Black
2500 block of 9and Roads.

03/12/22, VA UKG5902, 2007 Honda Pilot, Black
Columbia Pike Block 3000

ONLINE REPORTS

FRAUD2022-03114004 Block 3300 S. Wakefield St.

FRAUD2022-03114009 1900 Block N. Utah St.

FRAUD2022-03114010, 1500 block of Wilson Blvd.

FLIGHT2022-03114011 Block 1100 S. Hayes St.

IDENTITY THEFT2022-03114012 Block 1200 S. Fern St.

FLIGHT2022-03114013 1500 Block N. Queen St.

FRAUD2022-03114014 Block 400 of Army Navy Drive

FLIGHT2022-03114016, 4200 block of 31st Streets.

IDENTITY THEFT2022-03114017, 800 block Greenbrier St.

SUSPICIOUS CIRCUMSTANCES2022-03144001 2800 Block N. Somerset St.

FRAUD2022-03144002, 4100 block of 25and Seat N

IDENTITY THEFT2022-03144003 Columbia Pike Block 1800

SUSPICIOUS CIRCUMSTANCES2022-03144004, 4000 block of Langston Blvd.

FLIGHT2022-03144005 Block 1100 S. Hayes St.

FRAUD2022-03144007 1000 Block N. Highland St.

FLIGHT2022-03144009 Block 3100 Wilson Blvd

IDENTITY THEFT2022-03144011, 3100 block of 17and N Street.

SUSPICIOUS CIRCUMSTANCES2022-03144015 Block 2500 of S. Arlington Mill Drive

FRAUD2022-03144017 2200 Block N. Harrison St.

AUTO THEFT2022-03144018 1000 Block S. Walter Reed Drive

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Legal aid focuses on consumer protection | News, Sports, Jobs https://howtooccupy.org/legal-aid-focuses-on-consumer-protection-news-sports-jobs/ Mon, 14 Mar 2022 05:29:35 +0000 https://howtooccupy.org/legal-aid-focuses-on-consumer-protection-news-sports-jobs/ A staff member at a nonprofit law firm is warning Ohio consumers to be savvy when it comes to sales pitches that sound too good to be true. In recognition of the recent National Consumer Protection Week, Rachel Nader, Advocacy Director for Community Legal Aid, recently shared some advice for residents, warning them […]]]>

A staff member at a nonprofit law firm is warning Ohio consumers to be savvy when it comes to sales pitches that sound too good to be true.

In recognition of the recent National Consumer Protection Week, Rachel Nader, Advocacy Director for Community Legal Aid, recently shared some advice for residents, warning them to monitor their bank account activity and any fluctuations in their credit reports.

“Often a person doesn’t know they are a victim of identity theft or fraud until they have trouble opening a credit account,” Nader said in a recent statement. Press. “By then, significant damage has already been done.”

Community Legal Aid is a 501(c)3 nonprofit law firm that serves the legal needs of low-income people living in eight counties in central and northeastern Ohio, including Columbiana, Mahoning, and Trumbull .

Reviewing credit reports, Nader said, also helps consumers catch inaccurate information that may have landed on their file. Nader pointed out that it’s a consumer’s legal right to dispute items on credit reports. She noted that Ohioans can access these reports for free by visiting the website www.annualcreditreport.com.

Legal Aid staff also note that there has been an increase in fraudulent activity and scams. Most alarming is the growing number of “identity theft scams,” the press release says, where a caller says they are from a government agency, such as the IRS, Social Security or the Department of Work and Family of Ohio. Scammers may have concocted a fake website or phone number to legitimize their claims.

“Fraudsters prey on victims’ worst fears, threatening them with the worst possible scenario, such as jail, if they don’t comply with their demands,” Nader said.

In reality, she said, government agencies use regular mail and do not call, text or email to make these types of threats.

Therefore, she said consumers should not provide personal or account information. Instead, they are advised to hang up and, if in doubt, call the official agency number to verify the call.

In addition to “identity theft scams,” consumers can fall victim to “rescue scams” ​​that promise to help someone in trouble but offer no real service or value. This is especially common for people facing foreclosure, owing back taxes, or struggling with credit card debt.

“Ohioans should talk to an attorney before paying for services that promise to help them avoid foreclosure or get rid of debt,” Nader said, noting that Legal Aid attorneys offer this type of service.

Finally, Nader said consumers should know and enforce their legal debt rights. The nonprofit has seen an increase in credit card lawsuits in recent months, noting that creditors are stepping up collection efforts as the pandemic begins to wane, she said.

“If someone is being sued for consumer debt, it’s important to actively participate in the legal process,” Nader said, noting that there can be effective legal defenses and it’s unwise to ignore a lawsuit. in justice.

FOR YOUR INFORMATION …

• Ohioans struggling with debt can find information about legal solutions, such as bankruptcy, by visiting the organization’s website at www.communitylegalaid.org/debt. Further help may be available through their Financial Wellness Workshop, which gives qualified applicants the opportunity to speak to a lawyer for advice on their situation. To request assistance, call the helpline at 800-998-9454 or apply online at www.communitylegalaid.org/apply.

• Victims of impersonation or scams should contact the Ohio Attorney General’s Office by calling toll-free 800-282-0515 or visiting them on the web at www.ohioattorneygeneral.gov /.



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Surviving a motion to dismiss in a data breach case https://howtooccupy.org/surviving-a-motion-to-dismiss-in-a-data-breach-case/ Sun, 13 Mar 2022 16:27:16 +0000 https://howtooccupy.org/surviving-a-motion-to-dismiss-in-a-data-breach-case/ by Dennis Crouch Coffey vs. OK Foods2:21-CV-02200, 2022 WL 738072 (WD Ark. Mar. 10, 2022) Coffey applied for a job at major poultry producer OK Foods (owned by Bachoco). The online application required him to provide substantial personally identifiable information (PII), including his name, SSN, date of birth, etc. She got the job. At some […]]]>

by Dennis Crouch

Coffey vs. OK Foods2:21-CV-02200, 2022 WL 738072 (WD Ark. Mar. 10, 2022)

Coffey applied for a job at major poultry producer OK Foods (owned by Bachoco). The online application required him to provide substantial personally identifiable information (PII), including his name, SSN, date of birth, etc. She got the job. At some point a few years later, OK Foods’ computer system was hacked and Coffey’s information was exposed (along with that of thousands of other employees). Coffey discovered this after being notified of the violation (as required by law).

Coffey sued OK Foods, filing a class action for negligence, breach of implied contract, breach of trust, invasion of privacy, breach of fiduciary duty, and breach of covenant of good faith and fair use.

Concrete injury for data breach: Coffey’s stock suffers from the same problems seen in most cases of hacking of important personal information – concrete damages. Here, Coffey maintains that she is now suffering from a increased risk of future identity theft. The defendant pointed the district court to the 2021 decision in TransUnion LLC vs. Ramirez, 141 S.Ct. 2190 (2021). In Trans Unionthe Supreme Court held that the “mere risk of future harm” regarding a credit alert was not sufficiently concrete to meet constitutional requirements.

OK Foods sought dismissal for lack of standing, but the district court found that the future risk of the allegations in this case was substantial and concrete enough to survive a motion to dismiss. the tribunal de grande instance has particularly distinguished itself Trans Union. In this case, there was no evidence that the information had been disseminated to third parties. On the other hand, in the case of Coffee, everyone agrees that Coffee’s PII was obtained by a third party. Coffee also provided evidence of recent unknown credit inquiries on its credit report. For the district court, this configuration was sufficient to demonstrate standing. The decision here is at dawn and other courts would have rejected it. Cases are more likely to proceed when the breach includes financial or account login information such as user IDs and passwords.

Arbitration Agreement in Job Application: When Coffee applied for the job, she also clicked “I accept” for a set of terms that included an arbitration agreement. She argued, however, that the agreement is not enforceable because she was not provided with a copy of the agreement to review and she does not recall ever signing the agreement. The District Court noted two issues with OK Foods’ evidence presented thus far: (1) OK Foods did not present the “exact materials” as they appeared on the screen here during the process of 2016 request; and (2) the download link provided does not show the arbitration package. Additionally, evidence from OK Foods shows that a digitally signed arbitration agreement is dated May 3, 2016, while the plaintiff alleges that she completed her application online in April 2016.

All of these competing allegations and evidence create a question of material fact and therefore the District Court declined to force arbitration at this stage.

Next steps if:

  • Jury Trial on whether the parties have entered into a binding arbitration agreement. 9 USC § 4. Note here that jury trials on arbitrability are rarely granted. Rather, the usual approach is for the district court to decide arbitrability based on a standard of summary judgment. Here, however, the court determined that the competing evidence created a sufficient dispute.
  • If there is no arb, then a trial on plaintiff’s claims (although D will likely try to pre-empt this via summary judgment).
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Washingtonians impacted by 2021 T-Mobile data breach – Dailyfly.com Lewis-Clark Valley Community https://howtooccupy.org/washingtonians-impacted-by-2021-t-mobile-data-breach-dailyfly-com-lewis-clark-valley-community/ Sun, 06 Mar 2022 22:05:49 +0000 https://howtooccupy.org/washingtonians-impacted-by-2021-t-mobile-data-breach-dailyfly-com-lewis-clark-valley-community/ Washington State Attorney General’s Office OLYMPIA — Attorney General Bob Ferguson urges all Washingtonians who believe they were affected by the data breach announced by T-Mobile in August 2021 to take appropriate steps to protect their personal information […]]]>












Washington State Attorney General’s Office




OLYMPIA — Attorney General Bob Ferguson urges all Washingtonians who believe they were affected by the data breach announced by T-Mobile in August 2021 to take appropriate steps to protect their personal information from identity theft.

The data breach affected approximately 2 million Washingtonians.

“Data breaches continue to be a growing threat to Washingtonians,” Ferguson said. “We want to make sure Washingtonians have the tools they need to protect themselves in the wake of a data breach.”

On August 17, 2021, T-Mobile reported a massive data breach compromising the sensitive personal information of millions of current, former and potential T-Mobile customers. The breach affected more than 50 million people nationwide. Millions of people have had their names, dates of birth, social security numbers and driver’s license information compromised.

Recently, a large subset of the information compromised in the breach was for sale on the “dark web” – a hidden part of the internet where cybercriminals buy, sell and track personal information. Many people have since received alerts through various identity theft protection services advising them that their information has been found online in connection with the breach, confirming that those affected are at increased risk of identity theft.

Ferguson urges anyone who believes they were part of the August 2021 T-Mobile data breach to take the following steps to protect themselves:

  • Watch your credit. Credit monitoring services track your credit report and alert you whenever a change is made, such as a new account or a large purchase. Most services will notify you within 24 hours of any changes to your credit report.
  • Consider placing a free credit freeze on your credit report. Identity thieves will not be able to open a new credit account in your name while the freeze is in place. You can place a credit freeze by contacting each of the three major credit bureaus:
  • Place a fraud alert on your credit report. A fraud alert tells lenders and creditors to take extra steps to verify your identity before issuing credit. You can place a fraud alert by contacting any of the three major credit bureaus.
  • Additional Resources. If you think you’ve been the victim of identity theft, go to voldidentite.gov for help on how to report it and recover from it. Washingtonians can also visit https://www.atg.wa.gov/guardit.aspx for more information.









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March 3, 2022 – Official website of Arlington County Virginia Government https://howtooccupy.org/march-3-2022-official-website-of-arlington-county-virginia-government/ Thu, 03 Mar 2022 16:55:12 +0000 https://howtooccupy.org/march-3-2022-official-website-of-arlington-county-virginia-government/ Posted on March 03, 2022 This report is published every day of the week, except on public holidays. The information contained in each report covers significant criminal incidents usually from the day before; reports published on Monday cover the preceding Friday, Saturday and Sunday. Some incidents may appear a day or two after the event. […]]]>

Posted on March 03, 2022

This report is published every day of the week, except on public holidays. The information contained in each report covers significant criminal incidents usually from the day before; reports published on Monday cover the preceding Friday, Saturday and Sunday. Some incidents may appear a day or two after the event. This report is not a complete listing of all police occurrences in Arlington County in the time period indicated. The addresses given indicate blocks and not specific addresses. For more information on crime in your area, visit our online crime mapping tool.

Note: The information in the daily crime report is generally based on initial reports made to the police department. Follow-up surveys may reveal different or additional information. All persons arrested or charged with a crime are presumed innocent until proven guilty by a court.

REPORTS

ATTEMPTED MALICIOUS INJURY, 2022-03020013, block 4900 of Columbia Pike. At approximately 1:37 a.m. on March 2, police were dispatched to report that an assault had just occurred. Upon arrival, officers located the suspect in the area and took him into custody without incident. The investigation determined that the victim was leaving a business when the suspect, who was standing outside, attempted to engage in a conversation during which he allegedly brandished a box cutter and attempted to punch the victim. The suspect then fled on foot. No injuries were reported. Jose Amaya, 41, of unknown address, was arrested and charged with attempted malicious injury and public drunkenness.

ATTACK ON POLICE, 2022-03020106, 1100 block of S. Hayes Street. At approximately 11:28 a.m. on March 2, police were dispatched to report a robbery in progress. Upon arrival, officers observed the three suspects running away from the business and ordered them to stop. As officers took the suspect into custody, he resisted arrest and attempted to flee the scene. A struggle ensued, during which Suspect Two acted haphazardly and attempted to punch officers as they took Suspect One into custody. Additional units arrived at the scene and arrested suspect two, as well as suspect three who was on the subway platform. During the investigation, suspect three provided false identifying information, but officers were later able to correctly identify him. The investigation determined that the three suspects entered the business and began stealing goods. During a search of their persons incident to the arrest, stolen goods were recovered from suspects one and three. An officer was lightly injured in the incident and was taken to an area hospital for treatment. Suspect one, Andrew Richardson, 21, of Washington DC, was arrested and charged with assault on police (x2), petty larceny and obstruction of justice. Suspect two, Melissa Bosley, 36, of unknown address, has been arrested and charged with assault on police (x2), petty theft and obstruction of justice. The third suspect, Marquise Jones, 23, of unknown address, was arrested and charged with petty theft and identity theft. The three suspects were held without bail.

ILLEGAL ENTRY, 2022-03020003, 4100 block of 3rd Road N. At approximately 12:25 a.m. on March 2, police were dispatched to report that a break and enter had just occurred. Upon arrival, it was determined that the victim was awakened by the unknown male suspect opening a door in the residence. Another resident of the house confronted the intoxicated suspect and he fled. The investigation determined that the suspect had damaged two screens on the windows of the residence. Responding officers surveyed the surrounding area with negative results. The suspect is described as a black male with a beard and curly hair down to his neck, approximately 40 to 59 years old, 5’5″ to 5’7″ tall, weighing 140 to 150 pounds, wearing a jacket blue and black, black pants and carrying a black backpack. The investigation is ongoing.

LIFTING AT THE FACILITY2022-03020007, 4200 block of Fairfax Drive

FLIGHT2022-03020141, 6900 block of Fairfax Drive

LIFTING AT THE FACILITY2022-03020150 Block 1100 S. Hayes St.

FRAUD2022-03020161, 2000 block of 14and N Street.

LIFTING AT THE FACILITY2022-03020166 Block 1200 S. Hayes St.

ASSAULT AND BATTERY2022-03020258, 3200 block of 24and Streets.

ONLINE REPORTS

TRAFFICATION OF THE VEHICLE, 2022-03024001, 3800 block of 9and N Street.

FLIGHT, 2022-03024006 Columbia Pike Block 2300

FLIGHT, 2022-03024007 Columbia Pike Block 2000

HARASSMENT2022-03024008 Block 1700 Wilson Blvd.

AUTO THEFT2022-03024009 800 Block N. Pollard Street

AUTO THEFT2022-03024010, 4400 block of 4and N Street.

SUSPICIOUS CIRCUMSTANCES2022-03024011, 1500 block Clarendon Blvd.

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ScoreNavigator Announces New Product “Build Credit” with Addition of eCredable Lift® https://howtooccupy.org/scorenavigator-announces-new-product-build-credit-with-addition-of-ecredable-lift/ Fri, 25 Feb 2022 21:14:00 +0000 https://howtooccupy.org/scorenavigator-announces-new-product-build-credit-with-addition-of-ecredable-lift/ The product will allow consumers to report an unlimited number of utility accounts to TransUnion. GRAY, GEORGIA, USA, February 25, 2022 /EINPresswire.com/ — ScoreNavigator is pleased to announce that it has entered into an exciting partnership with eCredable Elevator® – a move that adds a new “construction credit” product to its already popular platform. ScoreNavigator.com […]]]>

The product will allow consumers to report an unlimited number of utility accounts to TransUnion.

GRAY, GEORGIA, USA, February 25, 2022 /EINPresswire.com/ — ScoreNavigator is pleased to announce that it has entered into an exciting partnership with eCredable Elevator® – a move that adds a new “construction credit” product to its already popular platform.

ScoreNavigator.com is an online leader credit report provider with the aim of improving the quality of life of its customers by maximizing their solvency and solvency. The company’s mission is to ensure that credit reports accurately reflect financial responsibility and to educate the consumer about the impact of finance and credit on a wide range of decision makers today, be it lenders, employers, insurers or other sectors. ScoreNavigator seeks to provide financial freedom to its customers by providing the tools to understand and manage their finances and credit.

In the latest company news, ScoreNavigator.com is pleased to announce a new “Building Credit” product adding eCredable Lift® to its platform. Currently, more than 50 million adults have invisible or thin credit records that can impact the ability to achieve their financial goals. To solve this problem, eCredable Lift® allows consumers to report an unlimited number of utility accounts to TransUnion, such as electricity, water, gas, some mobile phone trash, Internet, cable TV, satellite TV, and telephone fixed. According to the company, admitting this information is very valuable to consumers and, because eCredable Lift® allows up to 24 months of payment history, consumer scores can be established or increased in just days.

“Being directly involved in the credit industry for over 40 years and finally finding a company like eCredable Lift® has been a blessing,” said Rusty Bresse, CEO of ScoreNavigator, “Now we can offer our members a quick and easy way to redeem their good payment history, which will also save them money and provide a financing at lower interest rates.

“Optimizing your credit score is never more important than when you’re applying for a large loan, like a car loan or a home loan,” said Steve Ely, CEO of eCredable. “Finding all available opportunities to improve your credit score can save you thousands of dollars in interest. ScoreNavigator® is the only product we’ve seen that can help every consumer understand how to navigate this complex process.

ScoreNavigator.com guarantees consumers comprehensive and useful benefits from its platform, including:

• Easy 24/7 access to credit reports and scores
• Point deduction technology
• Assistance and recovery in the event of identity theft
• Comprehensive advice on credit, laws, education and testing
• Alerts and notifications
• Target score, manual and money simulators
• And much more

For more information on ScoreNavigator, please visit www.ScoreNavigator.com. To learn more about eCredable, visit www.eCredable.com.

About ScoreNavigator

As one of the most sought after online credit report providers, ScoreNavigator’s goal is to improve the quality of life of its customers by not only improving, but also maximizing their creditworthiness and creditworthiness. Ultimately, this goal helps the public build trust, while protecting its members from the complexities of financial well-being and credit.

The Georgia-headquartered company was founded in 2007 and boasts an A+ rating as a Better Business Bureau Accredited Company.

About eCredable

eCredable focuses on financial inclusion for the 50 million adults and 15 million small businesses that are “credit invisible” in the United States.® 8 and VantageScore® 3.0. For small businesses, we allow them to report these types of accounts and many other business accounts to business credit bureaus, resulting in a stronger business financial profile. The company was founded in 2009 and is headquartered in Alpharetta, Georgia.

Follow us on instagram: https://www.instagram.com/scorenavigator/

Rusty Bresse
ScoreNavigator
+1 866-933-1656
info@scorenavigator.com
Visit us on social media:
Other

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February 24, 2022 – Official website of Arlington County Virginia Government https://howtooccupy.org/february-24-2022-official-website-of-arlington-county-virginia-government/ Thu, 24 Feb 2022 17:25:29 +0000 https://howtooccupy.org/february-24-2022-official-website-of-arlington-county-virginia-government/ Posted on February 24, 2022 This report is published every day of the week, except on public holidays. The information contained in each report covers significant criminal incidents usually from the day before; reports published on Monday cover the preceding Friday, Saturday and Sunday. Some incidents may appear a day or two after the event. […]]]>

Posted on February 24, 2022

This report is published every day of the week, except on public holidays. The information contained in each report covers significant criminal incidents usually from the day before; reports published on Monday cover the preceding Friday, Saturday and Sunday. Some incidents may appear a day or two after the event. This report is not a complete listing of all police occurrences in Arlington County in the time period indicated. The addresses given indicate blocks and not specific addresses. For more information on crime in your area, visit our online crime mapping tool.

Note: The information in the Daily Crime Report is generally based on initial reports made to the police department. Follow-up surveys may reveal different or additional information. All persons arrested or charged with a crime are presumed innocent until proven guilty by a court.

REPORTS

ILLEGAL ENTRY (late), 2022-02220178, block 1500 of Crystal Drive. At around 2:59 p.m. on February 22, police were dispatched to report an illegal entry late. Upon arrival, it was determined that the victims returned to their residence to find their balcony door ajar. No items were reported stolen or damaged. There is no description of suspect(s). The investigation is ongoing.

VEHICLE HANDLING2022-02220003 S. Glebe Road at 12and Streets.

ASSAULT AND BATTERY2022-02220172, block 2700 Clarendon Boulevard

AUTO THEFT2022-02220229, 4000 block of 9and N Street.

FLIGHT2022-02220232 Block 1200 S. Hayes St.

ASSAULT AND BATTERY2022-02220237 Block 500 S. Carlin Springs Road

STOLEN PROPERTY2022-02220285 S. Four Mile Run Drive to S. Thomas Street

THREATS2022-02220288, 5500 block of Langston Blvd.

ASSAULT AND BATTERY2022-02230012 Block 1200 N. Courthouse Road

INTRUSION2022-02230018 1800 Block N. Nash St.

ASSAULT AND BATTERY2022-02230103, 1600 block of N. George Mason Drive

ASSAULT AND BATTERY2022-02230104, 1600 block of 18and N Street.

AUTO THEFT2022-02230230 3600 Block N. Peary St.

LIFTING AT THE FACILITY2022-02230240 Block 1200 S. Hayes St.

VEHICLE HANDLING2022-02230272, 700 block of 12and Streets.

STOLEN VEHICLES

02/22/22, MS CYB8433, Honda Accord 2019, Silver
19and N. St. to N. Moore St.

02/22/22, VA UBX8494, 2006 Toyota Corolla, Green
N. Quinn St. to Wilson Blvd.

ONLINE REPORTS

FLIGHT2022-02234001 Block 3100 Cherry Hill Road

FRAUD2022-02234002, 1700 block of N. George Mason Drive

FRAUD2022-02234003 1000 Block N. Stuart St.

VEHICLE HANDLING2022-02234004 1400 Block N. Taft St.

FRAUD2022-02234005 Block 2300 of Fort Scott Drive

IDENTITY THEFT2022-02234009 Block 1200 N. Veitch St.

FRAUD2022-02234010 Block 1400 S. Hayes St.

FLIGHT2022-02234013 Block 500 S. Carlin Springs Road

FLIGHT2022-02234015 Block 1900 Wilson Blvd.

FLIGHT2022-02234016, 1900 block Wilson Boulevard

FRAUD2022-02234017 Block 1000 N. Glebe Road

FRAUD2022-02234018, 1300 block of Fort Meyer Drive

FRAUD2022-02234019 Crystal Drive Block 2400

IDENTITY THEFT2022-02234020, 5000 block of Langston Blvd.

FLIGHT2022-02234021 Columbia Pike Block 4300

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Start a Profitable Credit Repair Business with Free Webinar’s Simplified Software https://howtooccupy.org/start-a-profitable-credit-repair-business-with-free-webinars-simplified-software/ Tue, 22 Feb 2022 05:04:13 +0000 https://howtooccupy.org/start-a-profitable-credit-repair-business-with-free-webinars-simplified-software/ Credit Repair Cloud hosted an informative webinar on starting a profitable credit repair business using its user-friendly software and, for a limited time, business owners and emerging entrepreneurs can watch the webinar for free at https://creditrepaircloud.grsm.io/financialserenity1. Los Angeles, USA – February 22, 2022 — Business owners and emerging entrepreneurs interested in learning more about the […]]]>

Credit Repair Cloud hosted an informative webinar on starting a profitable credit repair business using its user-friendly software and, for a limited time, business owners and emerging entrepreneurs can watch the webinar for free at https://creditrepaircloud.grsm.io/financialserenity1.

Business owners and emerging entrepreneurs interested in learning more about the challenges of starting a profitable credit repair business using simplified credit repair software can watch an exclusive webinar on the secrets of building a profitable credit repair business on the Credit Repair Cloud website: https://creditrepaircloud.grsm.io/financialserenity1 .

In addition to answering questions about the secrets to building a profitable credit repair business, Credit Repair Cloud also touched on finding that first customer fast during the webinar. Some of the most surprising insights explored during the Credit Repair Cloud presentation included the secrets to building a profitable credit repair business that few business owners and emerging entrepreneurs are aware of.

WHAT EVERYONE SHOULD KNOW ABOUT CREDIT

As recently as a few years back, the term “credit score” was not very commonly used in American society. While there were those who understood the term and its purpose, the mass majority, although realizing that there was a system out there monitoring their credit, they had no term to attach to it.

Today, however, due to a number of factors such as the increase in identity theft and mass media marketing campaigns, very few Americans are unaware of the term “credit score”. “.

A credit score is a number between 300 and 850 and is based on a statistical analysis of an individual’s credit activity. It is used to represent the solvency of an individual, that is to say the probability that he pays his debts. A credit score is based on official credit report information, which usually comes from the three major credit bureaus (TransUnion, Experian, Equifax).

Credit institutions, such as banks, finance companies, mortgage lenders, and credit card companies, use an individual’s credit score to assess the potential risk posed by lending money to that individual. . Lenders use credit scores to determine who qualifies for a loan, at what interest rate the loan is granted, and what credit limits are determined. Although there are many others, such as the VantageScore, the most well-known scoring system in the United States is the FICO Score (Fair Isaac Corporation), particularly in the mortgage industry.

Under the Fair and Accurate Credit Transactions Act (FACT), every legal resident of the United States is entitled to a free copy of their credit report from each credit reporting agency once every twelve months. To guard against inaccurate information or fraud more often than once a year, one can request a report from various credit reporting agencies available online. This information is available on a number of websites that offer a free credit report, usually associated with using their services for 30 days before a monthly fee is involved. Fees are nominal compared to the need to protect personal credit in today’s high-tech society where identity theft is increasingly prevalent.

UNDERSTANDING CREDIT REPAIR

Usually, the credit score ranges from 300 to 750, but a good credit score is above 700. Many people have their credit score between 600 and 700, which is considered an average credit score. Credit scores below 600 should be repaired immediately. Better credit scores pave the way for an improved lifestyle.

Credit repair companies charge reasonable fees while rendering valuable services, as discussed in the free Credit Repair Cloud webinar. Although potentially life-changing, credit repair requires a great deal of patience and experience, with the best results often occurring 45-90 days after the initial audit.

Most people with bad credit think there is nothing they can do about it. They mistakenly believe that they have to live with their bad credit for a long time. The truth is, Americans don’t have to live with bad credit or pay astronomical fees to get their credit repaired.

Credit Repair Cloud’s simplified all-in-one software helps entrepreneurs start a credit repair business to help rebuild those damaged credit profiles. A good credit history can make life easier and more enjoyable in every way imaginable. Take action now to have that positive impact in the community.

As seen on ABC, CBS, NBC, and Inc.500, Credit Repair Cloud provides EVERYTHING you need to start or improve a life-changing credit repair business.

In addition to the secrets of starting and scaling a successful credit repair business, the full agenda for this informative webinar also includes:

Find That First Client Fast – How to find people who are more than willing to pay and land that first client within 24 hours, even with ZERO experience.

Dispute Process Template – How to use a step-by-step “Dispute Process Template” to get EASY credit repair results without being a credit expert.

For more information and to register for free access to the full video, interested business owners and emerging entrepreneurs can visit the website at https://creditrepaircloud.grsm.io/financialserenity1 .

Contact information:
Name: Support Staff
E-mail: Send an email
Organization: Credit Repair Cloud
Address: 12517 Venice Blvd., Los Angeles, CA 90066, USA
Phone: +1-800-944-1838
Website: https://www.creditrepaircloud.com/

Build ID: 89065180

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Caught up in the big buy now, pay later https://howtooccupy.org/caught-up-in-the-big-buy-now-pay-later/ Mon, 31 Jan 2022 06:51:00 +0000 https://howtooccupy.org/caught-up-in-the-big-buy-now-pay-later/ So I made a big mistake. My father passed away last September and my sisters and I are in the process of selling his house. The realtor was pushing for ID, and I helpfully — and very stupidly — emailed him a photo of my driver’s license. This is where my real problems started. Armed […]]]>

So I made a big mistake. My father passed away last September and my sisters and I are in the process of selling his house. The realtor was pushing for ID, and I helpfully — and very stupidly — emailed him a photo of my driver’s license.

This is where my real problems started. Armed with a credit card and a driver’s license, the criminals set up a series of “Buy Now, Pay Later” accounts in my name.

And then I started getting emails from vendors buy now, pay later – ahem, Openpay and LatitudePay, to be specific.

LatitudePay notified me of a request to reset my password so I tried to speak to their call center to let them know there must be some fraudulent activity as I didn’t even have account with them, let alone a password.

I asked to be introduced to the fraud department, but in a decidedly Kafkaesque gesture, the person I was talking to refused to do so unless I provided more personal details.

After providing a few more details, I began to feel extremely uncomfortable giving personal information over the phone, given that I had been scammed so recently.

Humm was a frequent communicator, sending a series of cheery emails letting me know that I had been approved for $1,000 credit and my credit card details had changed.

I wisely ignored them all, assuming they were part of an elaborate phishing scam.

But my anxiety started to mount last week as messages from Openpay grew more insistent. It started with a payment reminder for a purchase at Officeworks on Wednesday. I received a notification that the $99.40 payment was missed.

Last Friday I called humm and spoke to an extremely efficient person at their call center who told me that humm had my (correct) driver’s license details. Oddly, the criminals had replaced my original credit card details with those of two other cards – presumably also stolen – and paid off the original loan which was just under $1,000 ahead of schedule.

(A banker later explained that criminals use this tactic to improve their credit history so they can apply for larger loans.)

The humm employee happily informed me that because there was no money to pay, my credit rating would not be affected.

But she advised me to report the fraud to the police – which I did immediately – and get a new driver’s license.

I also contacted Openpay to report the fraud, but unfortunately the call center person did not give me details of the amount borrowed from my account as the account was now locked.

I found myself at the Rose Bay police station with a very friendly young officer as we considered how best to comply with Openpay’s request.

Openpay referred the matter to the fraud department, and I received an email – “Unfortunately, you may have been the victim of fraud” – which told me what steps I needed to take “to resolve this issue and clear your credit report“.

And although the account is now locked, I received a second late payment notice from Openpay early Saturday morning, which urged me to “make your payment as soon as possible, otherwise you may be subject to a Debt recovery”.

So Saturday afternoon I found myself at the Rose Bay police station with a very friendly young officer as we considered how best to comply with Openpay’s request for a police report or statutory declaration , which had to be attested by a member of the police force.

The policeman was extremely sympathetic, but not optimistic about the chances of locating the criminals who, he explained, were probably based abroad.

I was in a slightly agitated state. Shortly before going to the police station, I received an email from LatitudePay – “an exciting way to shop, packed with benefits”.

So, with the cop looking over my shoulder, I emailed them back telling them I was a victim of identity theft and asking them to block my account.

On Monday, I was disturbed to find out that the scammers had been approved for a $4,000 loan from LatitudePay, which they hadn’t used, which is remarkable.

Unsurprisingly, the cell phone number the scammers gave LatitudePay was the same one provided to humm. (Not mine, needless to say.)

LatitudePay’s fraud department was also very helpful in advising me to contact a credit bureau and get a copy of my credit file, and alerting them that I had been the victim of fraud.

There was also a major breakthrough on Monday when Openpay’s customer support team called to discuss my case, and I found out that thankfully Openpay had been very careful and only moved forward to criminals than the grand total of $497.

Openpay’s advice mirrored LatitudePay’s: get a new driver’s license, close my hotmail account, and most importantly, I should contact a credit bureau, ask them for my credit report, and ask them to block any further requests for credit.

Because, as the Openpay representative helpfully pointed out, it is by no means certain that the criminals limited themselves to requesting loans from humm, LatitudePay and Openpay.

I may have other loans outstanding with other operators buy now, pay later – or even other creditors – who are less communicative than this trio. If other creditors have filed an inquiry into my credit rating, that’s an indication that I’m even more deeply entangled in this dark financial nightmare.

Of course, one of the most disheartening aspects of this whole experience has been the abysmal asymmetry between how easily one can secure a purchase now, pay off a loan later, and the arduous and time-consuming process of sorting out their net.

The “frictionless” process to set up a buy it now, pay later only requires someone to provide a credit card number and some form of identification, such as a driver’s license, online. It’s no surprise, then, that businesses, consumers and banks nationwide – and buy now, pay later the operators themselves – lose billions of dollars each year to financial fraud.

As Dion Appel, Openpay’s Managing Director for Australia and New Zealand, put it The Australian Financial Review“Online identity verification is not unique to buy now, pay later and has been adopted by most industries that require some form of identification, with the practice now common in financial services, telecommunications and beyond”.

“Openpay, like other buy-it-now, pay-later providers, is not alone in being targets of fraud and has complex fraud detection and transaction monitoring processes in place.”

Of course, there are other options for fraud. A fortnight ago I received an email from Coinbase – the online platform for buying and selling cryptocurrency – informing me of their planned security upgrade and asking me to update the system. And just this morning, Coinbase support contacted me about another account I created “with the same information as our rules (sic)”.

For now, I’m guessing this is a phishing exercise, given that I’m even less likely to go after cryptocurrency than buy now, pay later. But I’ve made that mistake before.

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