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Privacy

July 2009 not only brought the hopes of fun summer activities, but it also brought the new vicious Trojan virus called Clampi. Clampi is a newly sophisticated virus designed to attack online banking systems. And unlike most Trojan viruses this virus can be picked up from trusted sites like blogs, online magazines, search engines and mainstream news websites, not just gambling and pornography sites. It also is only designed to attack computers running the Microsoft Windows operating system. So Mac users are safe from Clampi, for now.

Currently, Clampi is tracking over 4,500 financial websites. Most Trojan viruses usually track 30-40 sites at a time. Clampi is designed to watch: banks, credit card companies, e-mails, retail sites, utilities, online casinos, wire transfer services, share brokerages, government sites and mortgage lenders. Clampi is also not just limited to the United States. It has been found attacking in the United States, Britain and other English speaking countries.

How Clampi Operates

Once Clampi has been picked up it settles into your computer and waits.  What does it wait for? It waits for the user to log on to a bank account, credit card or some other financial website. Once the login information is entered, Clampi grabs it and shoots it to the cyber criminal's computer. From there the criminal uses the information to fulfill their desires. Whether it is taking money from a bank account, using a credit card to make purchases or reek whatever havoc they may. 

What Clampi Can Do

Maybe you're thinking that this can't happen to you and maybe it won't. But it has been reported that through the use of Clampi criminals have stolen $75k from a car parts company in Georgia, $30k from a non-profit childcare organization in Seattle, $480k from an online city bank account, $150k from a public school district in Oklahoma, $350k from a Chicago-are school district and $700k from the Western Beaver School District in Pennsylvania. There have also been reports of companies losing anywhere from $10k to $500k because of this one virus. There is really no telling how many people have been victims of the Clampi virus.

What You Can Do

The most important thing you can do is to be proactive about protecting yourself from getting Clampi. Here are some ways to be proactive:

  • Protect your computer with security software. It should be a natural part of being online. Make sure that you have the most current version of your anitvirus software and download any necessary patches to keep it current.
  • Avoid clicking on suspicious links on blogs, e-mails and social networking sites. If you are not sure that it can be trusted, then don't go there.
  • Don't use e-commerce sites that you are not familiar with and use a credit card instead of a debit card when making online purchases.
  • Use caution when using a wi-fi network - especially one outside your home, like at an airport or coffe shop. Don't access financial web sites when using wifi in these kinds of locations. Make sure that your connection is password protected so that others cannot hack into your connection. Use WPA2 (or stronger) encryption and strong passwords when setting up your wireless network at home.
October 22, 2009


Do You or Your Friends Take Facebook Quizzes?

Have you ever taken one of those ridiculous and inane quizzes on Facebook that tell you which color you are ("I'm Orange! Now what do I do?"), which Harry Potter character you are (see above), or which superhero your dog resembles?

Maybe you hate these quizzes and avoid them completely, but do your friends on Facebook take them? If so, all your private info is likely being shared with the quiz developers - whoever they may be. This access to your personal information has alarmed many groups, including the ACLU. Here is a warning from the ACLU of Northern California:

Even if your Facebook profile is “private,” when you take a quiz, an unknown quiz developer could be accessing almost everything in your profile: your religion, sexual orientation, political affiliation, pictures, and groups. Facebook quizzes also have access to most of the info on your friends’ profiles. This means that if your friend takes a quiz, they could be giving away your personal information too.

The ACLU of Northern California has heard from thousands of concerned internet consumers using the popular social networking software, Facebook, about privacy issues. The ACLU went digging and found there is good reason for concern: as it stands, quiz developers have access to just about everything in your profile and postings and those of your Facebook Friends.

Here are a series of screenshots where we show exactly what happens when you take a quiz or run other applications on Facebook:

Asking for Permission - For You and Your Friends

As you can see, Facebook tells you specifically that it will let the application developer "... pull your profile information, photos, your friends' info, and other content that it requires to work.

This is the privacy problem. Your friends are agreeing to share your information without your knowledge or consent. Not good.

Exactly What is Shared?

These, I believe, are the default privacy settings for applications. As you can see, you or your friend are agreeing to share a lot of personal information with a completely unknown party.

The ACLU Creates Its Own Quiz

Even if you are careful about your privacy settings in Facebook, quiz developers probably will be able to access your profile and your postings through the accounts of your Facebook Friends. To drive the point home the ACLU created their own short, instructional Facebook quiz. (And no, according to their privacy policy, the ACLU will not collect or sell your information from their Facebook quiz.) Even though I was expecting some kind of revelation it was a bit creepy to suddenly see my Facebook profile information and photos start scrolling on the screen.

What You Can Do

  • Be aware that fraudsters dig through Facebook and other social networking sites looking for information to about you. Creating quizzes - any lame quiz appears to spread rapidly across Facebook - are one of the simplest methods they have to collect data.
  • Adjust your Facebook privacy settings to project yourself. From the Facebook menu bar choose Settings > Privacy Settings > Applications > Settings. You should see a screen similar to the screenshot earlier in the article. Deselect anything you don't want shared without your permission (I'd suggest deselecting everything).
  • Choose your Friends wisely. Many people are excited at the possibility of gathering hundreds if not thousands of Facebook Friends—many of whom are friends of friends instead of people they actually know. Anyone you accept as a Facebook Friend will be able to view your profile and postings unless you say otherwise.
  • Sign the ACLU’s petition urging Facebook to tighten up their privacy policies.
  • Say ‘no’ to those playful/stupid Facebook quizzes - and any Facebook applications.
  • More on this story from the San Jose Mercury News.

September 7, 2009


From a recent UC Berkeley report:

More than half of the internet’s top web sites use a little known capability of Adobe’s Flash plug-in to track users and store information about them, but only four of them mention the so-called Flash Cookies in their privacy policies.

Under the direction of Chris Hoofnagle of the Information Privacy Programs at the Berkeley Center for Law and Technology, the researchers discovered that most web users aren’t familiar with Flash cookies and that Flash web cookies can’t be controlled through the cookie privacy controls in a browser. Even more interesting was the use of Flash cookies to ‘re-spawn’ or bring back to life traditional browser cookies that had been deleted on customer computers. In the study even several federal government web sites were found to contain Flash cookie ID information. The federal government has a policy of banning the use of traditional browser cookies.

What’s all the fuss about? Internet web sites often attach browser ‘cookies’—small strings of identifying text and numbers—to your computer to help them keep track of you and your preferences when you visit their sites. In theory this is a useful connection between you and the web sites you visit. For instance, an online book vendor could store your customer preferences information to better help you find what you want and make it easier to make your purchases.

However, like many useful, good things on the web, browser cookies have turned out to be an avenue for identity thieves to find us and our personal information. A cookie that no one knows about and that is not controllable through our web browsers, and can be used to re-spawn traditional browser cookies—could be a useful avenue for identity thieves indeed.

Changing Flash Preferences

Removing Current Site Cookies

Turns out, Adobe has a Settings Manager on its site where you can control how Flash cookies are stored along with other things. If you right-click on a piece of Flash code in your browser you can select "Settings" and get to this special place. Or you can just click our handy link: Adobe Website Storage Settings Panel.

What you should be seeing is something like this:

Here you can see which cookies have been written to your computer along with the ability to DELETE all of them. That's something I would strongly consider. Remember, however, that there are some benefits with these cookies. If you frequent sites that use this technology (and many do) you will be deleting some of your settings with those sites and you may have to re-enter text each time you visit.

There is risk/reward with every choice you make in life...

Even if you decide to push the Delete all Sites button, you still have some work left.

Stopping New Sites from Writing Cookies

Even if you deleted the cookies that have already been written to your computer, you'll need to keep new cookies from being written as well. Luckily, Adobe has created a way to do that:

Adobe Global Storage Settings Panel

If everything goes according to plan, you should be seeing something that looks like this:

Here you can tell Flash not to store any cookies in the future. Just drag the slider over to "None" and select "Never Ask Again." That's it!

Flash Cookie Removal Tools

Here are some other tools if you want 3rd party help with managing or controlling Flash cookies:

Windows:

Mac OS X:

Flash Cookie Storage Locations

You can always go to the directory where the cookies are stored and remove them manually. It's not a permanent solution - new cookies will get created in the future - but it works.

Windows:

LSO files are stored typically with a “.SOL” extension, within each user’s Application Data directory, under Macromedia\FlashPlayer\#SharedObjects.

Mac OS X:

For Web sites, ~/Library/Preferences/Macromedia/FlashPlayer. For AIR Applications, ~/Library/Preferences/[package name (ID)of your app] and ~/Library/Preferences/Macromedia/FlashPlayer/macromedia.com/Support/flashplayer/sys

GNU-Linux:

LSO files are stored in ~/.macromedia.

Wrap Up

Now you know about the mysterious and curiously difficult to remove Flash cookies. They are pervasive - even on government web sites - and won't be going away anytime soon.

Please post any follow-up questions or concerns below...

August 19, 2009


The Better Business Bureau (BBB) has announced that April 18th is Secure Your ID Day and is offering free document shredding at various locations across the U.S.

You can bring up to three boxes/bags of paper documents and they will shred them on the spot. Even if you have your own shredder I imagine they'll have a bigger one that will be much faster, so it's worth checking out.

What Should You Shred?

If you're wondering what to bring, check out our shredding page and get a few tips. The short answer is you should shred any documents that has a signature, account number, social security number, or medical or legal information (plus credit offers).

Enjoy!

April 17, 2009


When Barack Obama famously refused to relinquish his treasured BlackBerry, he became the first president in American history to use email while in office. He will also be the first to have to worry about personal internet security.

The president's new BlackBerry is a special modified variation with top-notch encryption features—further details are not being shared with the media. Vice President Joe Biden and other key officials have also been given this most limited of limited edition devices.

But is it Really Hacker-Proof?

But famed hacker Kevin Mitnick says that despite its special security features, no BlackBerry is impossible to compromise. In an interview with Fox News, Mitnick said "It's a long shot, but it's possible. You'd probably need to be pretty sophisticated, but there's people out there who are."

According to Mitnick, who is credited with hacking Motorola, Nokia, Sun Microsystems, FBI, and Pentagon networks (among many others,) the best course of action for a hacker would probably be to infiltrate the personal computer of somebody close to Obama. Then, the hacker would have to use that person's identity to divert Obama to a compromised website that would upload malicious code onto the BlackBerry.

The Most Exclusive List in Washington

That's precisely why the president's security team is keeping his email address such a closely guarded secret. Obama will also have to frequently change his email address.

Who exactly has this address is unknown, but the number is believed to be considerably less than 50, with Biden, advisers David Axelrod and Valerie Jarrett, press secretary Robert Gibbs, and chief of staff Rahm Emanuel almost certainly at the top of the list. Beyond that, one can only guess: top supporter Oprah Winfrey, secretary of state Hillary Clinton, celebrity email buddy Scarlet Johanson, DNC chair Tim Kaine? One can only speculate.

If any of our readers are on the list, please let us know so we can send him our suggestions on the economy...

February 20, 2009



Remember when the McCain campaign had that garage sale a few months back and sold two BlackBerries with hundreds of GOP contacts still saved on them? It may have seemed like a silly blunder to those who heard about it at the time, but it turns out that most of us are just as careless with our mobile phones and handheld devices as the McCain staffers were with theirs.

99% of Cell Phone Recyclers Neglect to Erase Data

According to a study by Regenersis, one of the leading electronics recycling firms in the world, 99 percent of recycled cellular phones are handed over with their owners personal information and contact lists completely intact. The company did a random sampling of 2000 devices in the month of December, and found that only a handful of consumers had bothered to delete information like emails, banking data, or addresses.

How to Remove Data Before Handing Over An Old Cell Phone

Very few recyclers offer the service of wiping devices before they pass them along, but even if they did, you'd still be handing over an extensive catalog of personal information to a perfect stranger and trusting them to do the right thing.

To take matters into your own hands:

  • Remove the SIM card from your phone. It's a little plastic memory card usually located behind the back cover underneath the battery.
  • Call your service provider and ask them to disconnect the phone from your account.

That's it! That wasn't hard, was it?

Unfortunately, if you own an iPhone or BlackBerry, it can be a little more complicated but these videos should help:

Erasing a BlackBerry



Erasing an iPhone


An Important Disclaimer

If you've got national security secrets on your phone or maybe mission briefings and data from U.S. soldiers in Iraq and Afghanistan, it's important to remember that there's no way to completely erase a handheld device. Sophisticated forensic recovery methods are capable of reversing pretty much any data-destroying trick that doesn't involve a hammer or a blowtorch, so for highly sensitive data, you should probably contact a specialist. For the rest of us though, the above methods should do the trick.

To read more about phone recycling, head on over to Earth911 blog.

February 7, 2009


Medical identity theft is a growing problem. Experts estimate that between 200,000 - 500,000 people are already a victim of this crime - and most don't even know it.

The World Privacy Forum has been a pioneer in identifying and researching medical identity theft issues. Here's how they describe the problem:

Medical identity theft occurs when someone uses a person's name and sometimes other parts of their identity -- such as insurance information -- without the person's knowledge or consent to obtain medical services or goods, or uses the person’s identity information to make false claims for medical services or goods. Medical identity theft frequently results in erroneous entries being put into existing medical records, and can involve the creation of fictitious medical records in the victim’s name.

Medical Identity Theft Basics

So how does medical identity theft occur and how can it affect you? Here's a video from CBS' The Early Show that explains the basics:

Medical Identity Theft

4:11 minutes
From CBS The Early Show featuring identity theft expert Robert Siciliano.


How Can You Protect Yourself?

The World Privacy Forum has great information on detecting and preventing medical identity theft. Here are the things to watch:

  • Closely monitor any "Explanation of Benefits" sent by an public or private health insurer

    Health insurance companies often send out notices in the mail that describe recent medical events. Pay attention to these and contact your health care provider if they don't look familiar.

  • Pro-actively request a listing of benefits from your health insurers
  • Request a copy of current medical files from each health care provider

    Look over these files to make sure that all the information is familiar. Report any errors or strange information to your health care provider.

  • Correct erroneous and false information in your file
  • Keep an eye on your credit report

    Medical expenses should eventually show up on your credit report - especially unpaid accounts that were created by an identity thief.

  • Request an accounting of disclosures

    This is a benefit of HIPAA (the Health Insurance Portability and Accountability Act). This relates to all of the documents you now sign when going to your doctor relating to privacy and information sharing. You can request a list of all the times your medical information has been shared along with the reason for sharing.

  • More information from World Privacy Forum.

January 2, 2009

Whether you're a business traveler touching base with the home office or a vacationer catching up on some last-minute Christmas shopping during holiday travel, airport wireless networks are a welcome distraction during a layover.

But beware...

According to a recent article in Forbes, anyone who logs on using an airport wireless connection is instantly exposed to data and identity theft.

How Bad Are They?

Forbes interviewed a so-called "white-hat hacker," working for AirTight Networks (which makes wireless security software and hardware,) and found that during AirTight's survey of 20 American airports, agents had identified serious security flaws in nearly every network. Some airports even allowed critical baggage handling and ticketing data to pass through their network unencrypted---a potential security risk in more than just the digital sense.

The purpose of the tests was to alert airports to the problem in the hopes that they would choose to hire AirTight as their security provider, but in the short term, let it stand as a warning to travelers: You are nowhere near as safe logging in at an airport hub as you are even at home. Even shopping malls and many universities provide more network protection to their users, and since there are currently no laws on the books that require airports to try any harder, don't expect any of this to change overnight.

Here's a quote from Forbes on how bad things are:
They found rampant phony Wi-Fi hot spots created by phishers and, at several large airports, plenty of open or insecure networks run by critical operations such as baggage handling and ticketing. Almost all public networks allowed data such as user names and passwords to pass through the air unencrypted. Only 3% of people used something more secure.

How Do I Stay Safe?

Most security experts would recommend these four steps to relative safety on public wireless networks like those found in airports:

  1. Be sure that you're connected to a legit network. Phishers sometimes set up bogus hotspots in airports, waiting for unsuspecting travelers to log on.
  2. Use a firewall.
  3. Don't type in any credit card information or critical passwords while connected to these networks.
  4. Disconnect from the network when you're not using it.

These steps won't guarantee you 100 percent safety, but it's a good start if you decide that uploading those Christmas photos to Flickr can't wait until tomorrow.

This video from Forbes provides more details on what you should watch out for:

December 10, 2008

Thanks to our friends at Kroll Fraud Solutions, we have some excellent 2008 tax season tips for avoiding identity theft:

The U.S. economy may not be the only beneficiary of the recently passed federal economic stimulus package – identity thieves are getting a boost, too. Why? In the wake of the recent IRS announcement that more than 130 million Americans will receive tax rebates this year, identity thieves are using the promise of extra cash to lure Americans into disclosing their sensitive personal information.

These “phishing” schemes can take a variety of forms, the most common of which involves an identity thief who calls or e-mails a consumer pretending to be an IRS employee. The consumer is promised a sizable rebate if they file their taxes early. All the caller needs in exchange is the consumer’s bank account number to deposit the check.

The bad news is that schemes like the one described above are common; the good news is that falling victim to one is avoidable – as long as consumers get smart on the facts and follow the proper precautions.

Below ID theft expert Brian Lapidus, chief operating officer of Kroll’s Fraud Solutions, offers some important advice that every consumer should know about protecting their personal information during tax season. At Kroll, Lapidus oversees a highly-skilled team that includes veteran licensed investigators who meet regularly with IRS agents to stay apprised of emergent tax fraud issues – bolstering the team’s specialized work supporting breach victims and restoring individuals' compromised identities to pre-theft status.

Preparing your taxes?

  • Beware of phishing schemes. The IRS never contacts consumers by e-mail or phone to request sensitive personal information (SSN, checking account information, etc.). If you receive a phone call or e-mail that you suspect may be a “phishing” scam, file a complaint with the Anti-Phishing Working Group and contact the IRS immediately.
  • Avoid shopping mall kiosks or pop-up preparers who offer to assist you with tax preparation. Considering the amount of sensitive personal information involved in the tax preparation process, you probably don’t want to hand over your files to someone whose experience and background are unfamiliar to you. Ask a trusted friend to introduce you to his/her tax preparer or consult a local CPA association for trustworthy members.

Filing electronically?

  • Avoid using wireless networks. Use of wireless networks means your data is being transmitted over open airwaves, similar to a radio transmission. If not properly secured, data can easily be picked up by an uninvited party.
  • Don't prepare your taxes on a public computer. Public computers can contain “keylogger” spyware, which records every keystroke including passwords and account information. Keyloggers make it possible for an identity thief to steal any information entered into the computer during your session. Preparing your taxes on a public computer also increases your vulnerability to “shoulder surfers” – individuals who look over your shoulder to observe what you are doing and, more importantly, collect the sensitive data you’re entering.
  • Only keep a record of your tax claims as long as necessary. Thieves can't steal what you don't have. Purge the data once the need for it has expired. Suggested guidelines for individual recordkeeping are available online through the IRS at: http://www.irs.gov/publications/p552/ar02.html#d0e617.

Filing by mail?

  • Don't put your completed claim in an unlocked mailbox for pick-up. Instead, deposit outgoing mail at a post office.
  • Take it one step further and opt for delivery tracking. That way you can be certain that your information has gotten to the IRS safely.
  • Waiting for your tax rebate? Promptly remove mail from your mailbox after delivery. The longer your mail sits in an unsecured mailbox, the greater your chances of it falling into the wrong hands.
  • You may also choose to have the IRS deposit your tax rebate directly into your bank account, further minimizing the risk of theft.
March 19, 2008

Every one loves a "Top 10" this time of year, so here is a great one from our friends at Kroll Fraud Solutions. It was put together by Brian Lapidus - Kroll Fraud Solution chief operating officer and identity theft expert.

Enjoy!

1. Beware the Word "Prevent"

No person and no product can prevent identity theft. As long as criminals can benefit from stealing, there will be theft. Sensitive personal information (SPI) is everywhere, housed and archived in a mind-boggling variety of ways. Individuals and companies can reduce access to SPI and improve safeguards around it by working to change how we share, collect, store and dispose of information.

 

2. There Are No Guarantees

This mantra holds true for a lot of things in life and dealing with identity theft is no exception. While a number of instances of fraud can be restored to pre-theft status, some identity dilemmas simply can’t be fixed. If you’re on the ‘no fly list’ thanks to an imposter or an error, you’ll stay there. A third-party solution cannot deliver a remedy.

 

3. Watch for "Shoulder Surfers" and "Skimmers"

Shield the entry of personal identification numbers (PINs), and be aware of people standing entirely too close by when using your credit or debit card in public. Especially with the advent of cell phone cameras, a sneaky, shoulder surfing thief can get your private information pretty easily, if you’re not careful. It’s also advisable to use teller machines that are familiar to you, so you are in a better position to identify when the equipment looks different or doesn’t “feel right.” Your increased awareness may reveal a skimmer’s attempt to steal PINs and banking details at that site.

 

4. Keep Your Social Security Card Safe at Home

Unless you’re on your way to fill out a job application, there are very few reasons to carry around the crown jewel of SPI. At lunch a few weeks ago, the woman beside me opened her wallet for a credit card and there was her Social Security card, too. Remember, ID theft and fraud are not exclusively credit-related – thieves can use a clean Social Security number to construct a whole new life.

Additional note from Dave: I regularly receive emails from Fight Identity Theft visitors explaining how they just had their purse or wallet stolen with their Social Security card inside. Remove that card today!

 

5. Destroy Before You Dump That Old Computer

Erasing data just enables the computer to write over that space again; it doesn’t actually eliminate the original bits and bytes. Physically remove the hard-drive to ensure you’re not tossing out or passing along your personal details. Our company is often called upon to recover data from an erased or damaged drive; we’re very good at it – and so are some professional thieves.

Additional note from Dave: You could also consider using a software tool like Eraser to do a complete wipe of your drive. If you physically remove your drive, smash the drive with a hammer (find someone strong) before throwing it in the trash.

 

6. Choose "Forget Me’ Instead of  "Remember Me"

  How many Web sites do you frequent that invite you to enable an automatic log on the next time you visit? Don’t check that box! When convenience trumps confidentiality, you’re asking for trouble. The harder you make it for hackers to follow your trail into an online store or bank account, the better.

Additional note from Dave: This is absolutely necessary when using public computers. In fact, you should avoid accessing any secure sites from a public computer (like a library, internet cafe) or when using a public wireless network or wifi hotspot.

 

7. Don’t Rely On Fraud Alerts Or Credit Freezes Alone

Fraud alerts are meant to stop an identity thief from opening new accounts in your name. Credit freezes let you restrict access to your credit report, which would also make it hard for someone else to open new accounts. But, neither one will stop a thief from trading your SPI for cash, or using it for tax fraud or in any of the countless other ways fraudsters exploit stolen identities.

 

8. Practice Prudent Posting

Social networking sites on the internet enable individuals around the world to chat, share photos, recruit employees, date, post resumes, auction property, and more. Because the Web makes it possible for any posted document to link with another, any data you put out online have the potential to stay there for what amounts to electronic eternity.

Additional note from Dave: I suggest creating usernames or an email address that don't contain your name or anything traceable to you, whenever possible. You also might consider using different usernames on different sites. This makes sense because if someone is able to determine that you use "CatLuvr55" on one site, it's an easy search to track down  "CatLuvr55" on any other sites where you have a profile.

 

9. Keep That Key

When you check out of a hotel where you were issued a card-key to unlock the door to your room, don’t leave the card-key behind. Hold on to it until you’re safely home and can shred or otherwise discard it safely. Some say it’s an urban myth that the card-keys hold vital details like credit card numbers, while others report having tested and confirmed the presence of private data coded into the magnetic strip. Even if there’s no definitive answer, why risk it?

Additional note from Dave: Not sure I'm convinced on this one. I'd need to see more data showing that it is a problem. Snopes.com debunks this pretty thoroughly.

 

10. What’s In Your Wallet?

Make photocopies of the personal material in your wallet: Driver’s license, credit cards, insurance cards, all of it – front and back. Should your wallet be lost or stolen, you won’t be left wondering what was actually taken, and you’ll be able to quickly notify the appropriate agencies about what has taken place.

December 22, 2007

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