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Speaker 1: And the other thing that has been a hot topic

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just recently is this situation involving Amazon Prime members. There's

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about two hundred and twenty million Prime members, and you know,

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with the population and pool that big, it is really

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only a matter of time before the bad actors figured

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out a way to target them.

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Speaker 2: You are listening to Carrie Letz's Financial Survival Network, where

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you get valuable information you just can't find anywhere else

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to thrive in today's trying times. You need the Financial

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Survival Network now more than ever. Go to Financial Survivalnetwork

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dot com and get your free newsletter and gift. Financial

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Survival Network now more than.

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Speaker 3: Ever, And welcome. You are listening to the Financial Survival Network.

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I'm your host, Carrie Lutz. Well, it's the end of July.

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Here we got stuff happening in credit and I thought

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you needed to know about our good friend Paul Auster

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from a Better Credit is with us now.

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Speaker 4: Paul, great to have you back on the show.

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Speaker 3: What's going on in the credit arena?

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Speaker 4: So there's a couple of different things.

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Speaker 1: I think it's important to note that the current administration

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has reversed an earlier ruling that removed medical debt from

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people's credit reports. So that situation is going to be

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very troublesome for millions of consumers that had those collection

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accounts removed from their credit report, only to now be

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put back on. So this has been a political football

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kind of like student loans has been back and forth

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with the debt forgiveness, but nobody was asking for these

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medical debts to be forgiven. They came to a really

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good decision and decided that it wasn't right for consumers

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to continue to suffer, for lack of a better word,

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even more from having these medical debts on their on

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their credit reports, which then would wind up costing them

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more money for every other financial transaction.

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Speaker 4: So this is not a situation where.

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Speaker 1: People, you know, bought an r V or or a

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jet ski or a boat and then couldn't afford it.

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Speaker 3: You know.

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Speaker 1: These were people that got sick, you know, and and

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health is still the number one reason why why people

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claim bankruptcy in the first place, being able to afford

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the healthcare that they needed. So this is you know,

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not elective surgeries and and things like that. This was

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situations where people got sick, they incurred some crazy, crazy bills,

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and they got sent to collections. So I'm not I'm

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not a fan. I'm not happy that the current administration

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decided to reverse gears and and put these things back

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on the consumer reports.

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Speaker 4: Yeah.

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Speaker 3: Yeah, it just seems like you're just kind of adding

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insult to injury, you.

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Speaker 4: Know, yep, yep.

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Speaker 1: And the other thing that has been a hot topic

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just recently is this situation involving Amazon Prime members. There's

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about two hundred and twenty million Prime members, and you know,

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with the population and pool that big, it is really

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only a matter of time before the bad actors figured

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out a way to target them. So Prime Members have

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been victims and targets of you know, the three issues fishing,

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which is phone calls, phishing with a p H, which

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is email, and smishing which is SMS, text messaging. So

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the bad actors are targeting these Prime members. You know,

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they're getting messages, emails, phone calls about clign membership renewals,

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about their accounts being suspended, you know, with things like that.

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And when they click on a link or you know,

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open an email and click on a link to supposedly

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they're being taken to their account to update payment information again,

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update their account information, they could be targeting them with

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a product that wasn't sent to them. It's called brushing,

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or they send a product that the client didn't order

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and then follow up with them directly to try and

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resolve that issue. The problem is if you click on

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any of those links, you're going to be redirected to

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a website that you know has malware and viruses and

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things like that that are going to then either log

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into your accounts that are open your electronic devices, or

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they're going to ask you to provide personal information to

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update the accounts. So the message again upun intended. The

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message here is don't do it right if in all

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of these messages, the one commonality all of these messages

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have is this sense of urgency. Right, they're threatening messages, Kerry,

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you need to act immediately or your prime membership is

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going to get suspended. Kerry, there's a problem with your payment.

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We see here it looks like there's fraud happening on

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your account. So they're trying to get the people to

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act in haste, which then leads to, you know, the

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actual identity theft. So if you get any of those messages,

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the easiest thing to do is just go to Amazon,

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go to your account, log in and click on the

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messages and if there's a message from Amazon, that's where

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it would be. So again, the problem is you get

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people in the middle of life, right, life is happening

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all over and they do something that they shouldn't do,

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and that's that's click one of the links, provide information

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over the phone, or you know, typing information into one

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of these websites.

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Speaker 3: Right yeah, and there it seems like legit. You know,

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it looks legit. That's why you always have to look

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at who the center of this item is, right yeah.

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Speaker 1: So verifying the verifying the sender's email address is definitely

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one of the steps here. And like you said, these

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these emails, whether it's from a bank or Amazon, they

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look real, they look authentic. So one of the other

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things is to make sure that whether you're a prime

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member or if you do any thing online, you need

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to engage two step authentication. That's one of the easiest

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ways to avoid being a victim having someone else logging

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in to one of your accounts, even if they get

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you're using name and password in order to log in.

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The second step is going to be to send an

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email or a text message so if they don't have

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your phone or they haven't figured out how to redirect

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a text message that's supposed to be coming to you,

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they won't be able to complete that last step. So look,

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we've been saying this for years. You have to change

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all of your passwords to pass phrases. You have to

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change your passwords by pass phrases on a regular basis.

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You can't use the same pass phrase with the same

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email for all of your accounts because you are just

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begging to become a victim. They have softwares. Now. One

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of the things that we know from this particular scam

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is when they redirect you to one of these websites,

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the software can actually figure out what your password is

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and the email associated with it if you use the

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same password. Yeah, so if you use the same password

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or passphrase an email for all of your other accounts,

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that's how this malware and virus works because now they'll

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have access to.

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Speaker 4: Your computer and it would be very very easy for.

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Speaker 1: Them to log into all of the other accounts that

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are connected to those devices. So look, it's not easy, right.

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You have to use a password manager where you're going

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to have to write these passwords down somewhere in a

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secure location. But using a password manager is one of

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the best ways to help you try and figure this out.

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Other than that, you know, the average person now has

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easily twenty different passwords and user names. It's probably fifty

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one hundred some people in Wish.

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Speaker 3: I only have twenty.

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Speaker 1: I have like thirteen hundred exactly exactly, So just impossible

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to try and manage those user names and passwords without

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using a password manager.

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Speaker 3: Yeah, it's crazy, it's crazy. You have to use one

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always use two factor authentication, and what else. There's one

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other thing that you need to be doing here, make

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sure your phone doesn't get spoofed.

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Speaker 4: Yeah.

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Speaker 1: Well, the other thing is, you know, and I think

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we spoke about this the last time, and I'm not

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always the most popular person in the room because I

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ten to fold the consumer right, the victim quote unquote

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somewhat responsible for being in that situation. We've all sacrificed

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a tremendous amount of our privacy, our data security for

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convenience and the easiest way, the best examp there is

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when you open up a new account or you download

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a new app, whether again, whether it's for your banking

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or your Amazon account, when you create your your log

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in user name and password, a little blip is going

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to pop up and it's going to say, hey, Kerry,

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would you like us to remember your password so you.

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Speaker 4: Don't have to Yeah.

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Speaker 1: If you do that and someone gains access to your again,

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to one of your electronic devices, they can log into

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your accounts remotely in seconds and literally wipe out your accounts.

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Speaker 3: This is true, very true. So, and when you use

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a pass word manager, it'll generate a unique password for

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every account, so there's no more using your standard password, right.

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Speaker 1: Absolutely, you know, and those those computer generated pass words

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pass phrases are very very difficult for these coders and

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programs to break, to crack the code, right they have

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again softwares that decipher passwords in milliseconds. If you use

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a passphrase, it could take days. So what happens is

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if the software hits on a computer generated pass phrase

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or password, or you've created a very very strong pass phrase,

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the software is going to jump to the next person

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who still Carrie. You know, I just heard this the

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other day and I thought, again, we were getting better

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at this, but we're not.

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Speaker 3: You know.

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Speaker 1: The most common widely used passwords are still hello, one, two, three, goodbye, four,

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five six, So any of those combinations of the password

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is one of the most commonly used passwords. So if

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you're using any thing like that at all, again, you

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need to you need to change your behavior because you're

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going to become a victim. It's only a matter of when,

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not if. You know, the fastest growing crime past couple

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of years has been and is going to continue to

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be identity theft. And one of the reasons for that

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is that we're we're not very good at protecting ourselves.

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Speaker 4: You know, I have been.

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Speaker 3: Listening to these Reddit stories where people in your family

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steal your identity and take out credit cards and loans.

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It was shocking, but I guess nothing sacred anymore.

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Speaker 1: Now just unfortunately, just like everything else, so often the

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victim of identity theft was you know, it was it

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was a family member or close friend, somebody that they knew,

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a business coworker, So that that intimate setting an environment

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makes it very very easy, unfortunately, for that to happen.

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Speaker 4: You know, there's a certain amount of trust.

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Speaker 1: People get up maybe either computer open rather going in

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the bathroom or something like that, and it's very very

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easy for a coworker to gain access to your information.

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So we need to be careful, you know, obviously showing

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a little bit of trust, but you've got to have

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a little common sense that goes along with that.

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Speaker 3: Yeah, trust, but verify and treat your your passwords and

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your computer like it's a National Security Administration asset and

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act accordingly.

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Speaker 4: Right, that's exactly right, spot up.

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Speaker 3: Yeah, because you know, I don't leave I never leave

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my phone around, even though the screen might be locked

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or whatever, I will never leave it around, you know.

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Speaker 4: Yeah. Yeah, you're all of our smartphones.

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Speaker 1: That's that's the problem, right, It's they're they're smart, and

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they house a tremendous amount of non public information or

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most sensitive data.

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Speaker 3: Yeah, for sure. All right, Well, I'm glad we had

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this talk because the who the heck knows anybody, and

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I mean anybody with a decent credit score and even

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a n side decent credit score can be a victim

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of identity theft.

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Speaker 1: Absolutely, and one of the things everyone needs to know,

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and I have mentioned this before on the show, one

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of the hangovers and good things that you know we

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got from the pandemic in the COVID era was access.

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Speaker 4: To our credit reports. So BC.

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Speaker 1: Before COVID, we had one free look every twelve months

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at Annualcreditreport dot Com. Again that's Annualcreditreport dot Com. We

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had access to our reports once a year. Now you

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can check your reports once a week. And I don't

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think you have to be that crazy, but you should

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be checking your reports on a regular basis, maybe monthly.

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Speaker 4: And one of the the main.

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Speaker 1: Reasons for that is exactly that you're looking for red

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flags of identity theft.

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Speaker 4: And your listeners need to know that.

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Speaker 1: One of the easiest red flags to spot are addresses,

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previous addresses or addresses associated with your name and social

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Security number that you don't recognize because one of the

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first things that these bad actors do is they try

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and get addresses tied to your name your social Security number.

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So if and when they're successful at opening up new accounts,

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that information goes.

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Speaker 4: To a different address, not your address. So the so the.

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Speaker 1: Sooner you're made aware of the identity theft situation, the

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easier and faster it will be to resolve that situation.

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But unfortunately, you have cases where the people didn't realize

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that they were victims of identity theft for months, if

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not years. And that really really makes it difficult to recover.

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The average person spends about two years trying to resolve

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identity theft issues.

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Speaker 3: How fast can you do that for people? Can you

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get it done?

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Speaker 4: Well?

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Speaker 1: We expedite it because unless you have a full time

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staff that's working eight nine ten hours a day like

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we do, it's not easy. And people have to take

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off work, they miss time at work. They're suffering on

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that side of things. So it takes a tremendous amount

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of time. You would think, Gerry, that it would be

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very easy to just say, listen, it wasn't me, I

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was a victim of identity theft. Please remove it from

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my credit report, Please cancel the account, refund my money.

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It's not that easy. You have to respect the credit

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bureros themselves. You have to prove that you're a victim

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of identity theft. You have to get a police report,

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you have to file the police report. Look, the reality

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is no one really ever gets caught. A few of

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these identity thieves actually get caught and convicted, but we

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don't need the outcome. We just need a copy of

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the credit report. That will help greatly expedite the process.

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So again, unfortunately for us, we spend a tremendous amount

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of time in the office dealing with this for for

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our clients, and we can cut that time down, you know,

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to days and weeks instead of months and years for

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people to resolve the issues.

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Speaker 3: All right, that's really good to know. Appreciate you coming

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on the show as ol is.

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Speaker 4: Paul.

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Speaker 1: Yeah, just tell us again where we find you go

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to better qualified dot com again, that's better qualified dot com,

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all right.

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Speaker 3: And the links in the show notes of this interview

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on Financial Survival Network dot com. Make sure you stop

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by there sign up for a free free newsletter. Paul,

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is a pleasure having you on. We'll talk to you soon.

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Speaker 2: Thank you, Gary, thanks for listening to Carrie Letz's Financial

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Survival Network, your solution to today's trying times. For the latest,

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go to Financial Survivalnetwork dot com. Financial Survival Network now

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more than ever,