The DataBased YouTM has become extraordinarily relevant in today’s digital society. The term “The DataBased YouTM” refers to the numerous files in the multitude of databases which contain your Personal Information.

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 “A rise in identity theft is presenting employers with a major headache: They are being held liable for identity theft that occurs in the workplace.”  

  - Douglas Hottle, Meyer, Unkovic & Scott, 
 “Workplace Identity Theft: How to Curb   an HR Headache” BLR: Business and Legal Reports, September 19, 2006

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The Databased You TM

The Databased YouTM is the sum total of all of the information about you in the market, whether on paper or stored electronically, that can build a better biography of you than you could of yourself.

Over the previous two decades our country has built an impressive system of computer databases to help a great variety of organizations do their job better and more efficiently. For instance; there's the NCIC Criminal database to help law enforcement quickly identify criminals they come across, and the MIB database to help insurance companies identify those who fraudulently apply for insurance. Plus, many others that you can see listed above. And what you see above is only a partial list.

Most people never think about the fact that many of these databases share information in real time.
That means they are updated continuously. And although that sounds very efficient, the problem is we never built a system to clear-out/correct bad or erroneous data.

Think about it:   You are traveling out of town and passing through Littletown, USA and you are pulled over by an officer on a routine license check. When he runs your drivers license through the computer in his cruiser and it comes back saying there is a warrant for your arrest, who is the officer going to believe, you or the database?  Even though the Identity Thief used your drivers license number when he was in that accident a few weeks back and then didn't show up for court, your going to have to prove it wasn't you. Because - all the evidence points to you!

In addition, for years we have been told by different commercials and our own credit card companies and banks that ID Theft is not a major issue. In essence it's a victimless crime. We have been duped into believing this misconception to such a degree that the government has now been forced into creating laws to protect our citizens from ID Theft. They are making Employers RESPONSIBLE for protecting the data.

Once your data is corrupted, it can be a nightmare to correct, and it almost always requires the help of an attorney.
                                                        Don't wait to be taken by surprise;

 

DRIVERS LICENSE: 

Thieves use your information to acquire a driver?s license in your name or claim to be you during a traffic stop

1.  1.  You could receive DWI, DUI, and other driving-related charges.
2.  2.  Your driving privileges could be suspended or revoked.
3.  3.  You could be arrested during a routine traffic stop for crimes you did not commit.
   

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SOCIAL SECURITY: 

Thieves use your SSN Identity to gain employment or to report income under your name

 

 1.  Thieves take the income, but don't pay the taxes, leaving you with the bill.

 2.  Wanted criminals use your SSN Identity so they can get employment without being found.

 3.  Illegal immigrants use your SSN Identity to gain employment.

 4.  Thieves and Criminals use your SSN for employment, medical, financial, criminal, school, and other 
        purposes.

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MEDICAL: 

Thieves use your information for insurance benefits, Rx, Medicare, Medicaid benefits, or for medical tests

 

•  1.  Your rates could go up or your coverage could be cancelled or used up.
•  2.  You could owe thousands of dollars for a procedure you never had.
•  3.  You could be unable to obtain medical or life insurance, other coverage, and/or employment because
          of conditions that you do not have (AIDS, Diabetes etc?).
  

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CRIMINAL: 

Thieves mask their criminal activity behind your identity

 

•  1.  You could be arrested.
•  2.  You could be denied employment because of fraudulent criminal records found during routine 
           background checks.
•  3.  Security checkpoints at airports could become a nightmare for you.
•  4.  You could be denied a passport and be barred from leaving the country.
  

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FINANCIAL: 

Thieves use your information to open new accounts or to gain access to existing accounts

 

•  1.  Thieves rob your accounts.
•  2.  They rack up outrageous charges on credit cards, take out new loans, and more.
•  3.  They destroy your credit, forcing you to pay higher rates.
•  4.  You can absolutely be held responsible for the debts incurred by the thieves in your name.
  

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Federal Trade Commission free report: 
877.IDTHEFT  -  http://consumer.gov/idtheft

Pg. 19 -  Zero Liability provided - “you send your dispute letter so that it reaches the creditor within 60 days. If an identity thief changes the address on your account and you didn't receive the bill, your dispute letter still must reach the creditor within 60 days of when the creditor would have mailed the bill.”

When you read this, it will become crystal clear why it is good for the company and the employee(s) to have an Identity Theft service that offers Legal Access, Monitoring, and Restoration - versus - Resolution or reimbursement.