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Conduct a Background Check on a Son or Daughter’s Future Spouse

Background Check on a Son or Daughter's Future Spouse

You may have recently heard great news that your child is soon to get married. Although this is a joyous occasion you may want to spend a little time to investigate (think Background Check) into your son or daughter’s future spouse before they are sealed in marriage. This is in no way overstepping your boundaries as a parent; it is your job to protect your children.

SearchBug’s new feature allows you to hire a private investigator to look into anyone that your child is dating and may marry. You can learn detailed information that the person might be hiding. Help protect your son or daughter so that he or she does not become involved with the wrong person.

How Do I Go About this Background Check Investigation?

First off, you are going to want to search into any criminal records. Check to see if the person your child is dating has a criminal history. A serious offense might change your child’s perception of the person he or she is dating. A small misdemeanor offense might not be something that you want to bring to light, but a felony is a crime that needs to be addressed. Hopefully your son or daughter’s future spouse has nothing to hide, but if they do then a private investigator will find out.

Private investigator services extend to more than simply looking into criminal records. A professional can find out all sorts of information such as a person’s financial status. Financial records are important to check, especially if your son or daughter is more financially well off than their partner. Have an investigator look into their partner’s credit history and financial status. Some people marry or become involved with another person solely for financial gain. You do not want to have your child exploited for his or her finances.

If the person has a history of mental issues that they are not telling your child about then a private investigator might be able to find this out. Protect your child from someone that is mentally unstable. This type of background search is good to investigate if your child just starting dating a new person. You can help guide him or her by talking to them about issues their new new friend may be hiding.

A background search on someone your child is dating is an honest concern. The love you have for your child and their safety is unmatched, so you want to do everything in your power to ensure he or she has as pleasant of a future as possible. When you hire an investigator to check into a person they are dating you are doing it for their security. Most people have nothing to hide but sometimes others have bad intentions. No one has to know that you hired a private investigator unless you find something bad.

How to avoid identity theft during the Holidays

Phishing:

Phishing became one of the most costly and incredibly financially rewarding kinds of identity theft. Significantly more phishing scams are being operated as a result of organized criminal gangs, meticulously created and adequately financed in order to dupe even the most careful shopper.

Phishing utilizes convincing-looking yet fraudulent email messages as well as internet pages. These tactics are basically exact duplicates of well-known and respected companies such as chain stores as well as financial institutions in an effort to fool a person into disclosing sensitive personal financial details which they can use in order to gain access to an individual’s personal information.

Typically the emails generally have some variety of an alert for which you really should modify the account or verify the account details to protect yourself from getting the account suspended.

This sort of scheme is especially effective approaching the holiday season, a period when absolutely no person desires her or his banking accounts or charge cards suspended.

Phishing scams account for more than $10 billion last year, and it’s estimated that nearly 10 million Americans receive phishing messages annually and roughly Two million shoppers click on the embeded links and end up victims of the fraud.

Tips On How To protect yourself. 

Take notice. Never ever provide any sort of confidential, personal financial, PIN, social security number or password to any e-mail inquiry.  That means if you respond to the message or by way of a web page.

In the event that you receive this kind of message and you may have a relationship (account or membership) with that organization, proceed straight to the main web site of the business in the email received, and get in touch with the customer assistance number listed on the contact us page, and request additional information. Do not ever simply click one of the links within the message simply because the email sender may have spoofed the web site they link users to. And you should not contact any of the numbers provided within the message you received.

Counterfeit Receipts Through Electronic mail:

A fresh deviation of the good old con entails the utilization of e-mail notice regarding receipts for products you didn’t order. Typically the behavior takes advantage of the fact that (One) close to the holiday season most people are working with receipts and for that reason anticipating them; as well as (Two) the fraudster is actually trying to worry people to open up a message attachment you typically could end up being dubious about.

When you open these types of emails or attachments, the fraudsters will attempt to acquire security passwords along with other information and facts in order to provide them to an identity thief.

Tips On How To protect yourself. 

Never open up e-mail attachments if you aren’t anticipating them, even though you may recognize the email sender. Make certain you’ve got up-to-date anti-virus (we recommend ESET) as well as anti-spyware security.

The “Hard-to-find” Bargain:

A few years back a large number of internet customers had been scammed out of their hard earned money by phony web sites featuring that season’s “must have” present, the Sony PlayStation2.

Each year we anticipate spotting different versions on that concept where identity fraud stands out as the major objective.

What would typically happen after you enter your credit card information you would see a message that would make you believe the sale never went thru. You might see a message like “We’re sorry the computers can be quite busy during this time of year and we were not able to complete your transaction at the moment. Please try again in the future.”

In this case the scammers might have merely snapped up your visa or mastercard number, along with all the other billing information. And, you are not likely to be on your guard given that you think the purchase never really happened.

Tips On How To protect yourself.

Simply buy from web sites you are sure are legitimate. You can do this by checking to make sure they have a Secure connection (you will see HTTPS:// in the address). The “S” after the http means the site is secure. But you should take it one step further and ensure the web site has a contact us page with an address and phone number. Better yet, a toll-free phone number that is also listed in the yellow pages or on another business directory. Of course you can check the SearchBug Yellow pages or use our free Reverse Phone Lookup to double check. And, you can even call the number to make sure someone answers or you get the company voice mail.

Mail Theft:

Postal theft happens to be popular for identity thieves. They may be after whatever could be used to duplicate your identification or merely improve their own savings accounts. Things such as incoming as well as outbound bank checks, financial institution statements, visa or mastercard statements, charge card offers, gift cards in addition to prepaid cards, and in many cases cash.

Tips On How To protect yourself. 

Be extremely careful with your inbound as well as outbound postal mail throughout the holiday seasons. Whenever possible, check your mailbox as soon as the postman arrives. And if you’re going away for a few days, be sure to suspend your mail delivery and pick it up at the post office when you return. Another option is to have all mail delivered to a Postal Mail Box “PMB” or a PO Box and you can pick it from a secure location.

Also, sign up for online bill pay and paperless statements to have a few pieces of mail delivered. And if you plan to give chas or gift cards to friends or loved ones, do so in person if you can.  If sending large denominations or expensive gifts consider sending them insured or getting delivery confirmation services.

Nearest and Dearest (Family, Friends, Associates):

Among the saddest facts regarding identity fraud, in accordance with numerous reports, is the fact that a good number of identity thefts tend to be perpetrated by individuals known to the target, such as family, friends, neighbors, and even co-workers or roommates.

Tips On How To protect yourself. 

Eliminate the temptation. Never leave personal financial details, such as bank account statements, debit cards, checks, or those pre-approved credit or loan applications lying around the house or office.  If you’re considering giving someone a check this holiday season, consider a gift card or store certificate instead. Something that can’t be used to duplicate your identify if stolen.


Identity Theft and SSN Randomization

Identity Theft and SSN Randomization
SSN Randomization is a project by the SSA in an effort to curb Identity theft victims in the USA. The Social Security Administration (SSA) changed the way Social Security Numbers are issued starting on June 25, 2011.
Since 1973 SSN’s have been issued based on the Zip Code of the mailing address of the SSN application. The first three digits of the SSN were tied to a particular state. After June 25, 2011 this will no longer be the case making it a little more difficult for Identity thieves to guess or obtain the SSN of their victims.
Starting on June 25, 2011, the SSA will eliminate the geographical significance of the first three digits of the SSN, currently referred to as the area number, by no longer allocating the area numbers for assignment to individuals in specific states.

The project is an effort to help protect the integrity of the SSN by establishing a new randomized assignment methodology. SSN Randomization will also extend the longevity of the nine-digit SSN nationwide.

The downside to this randomization is that employers, collection agents, financial institutions and many other industries that rely on being able to conduct SSN verification using various third party services may find themselves paying up to 10x more for similar services. 

ABOUT THE AUTHOR: Noah Wieder is CEO of SearchBug, Inc. and the founder of Best People Search. SearchBug.com offers a Free People Finder and Company Search as well as Data Scrubbing Services. Bestpeoplesearch.com is a private investigator portal and Information Retrieval Services web site where investigators offer searches to businesses and individuals with specific search needs.

Providing your Social Security Number on Forms

Every time I complete a form at a bank or at a doctors office, they want my SSN. Since I’m in that industry I know all too well how SSN information gets abused.

As we slid into a recession a few years ago, unemployment mounted and peoples bank accounts started dwindling. Foreclosures on the rise, bad credit card debts mounting, bad loans running amok.

What some not so good people do when their credit is bad and they need to survive…..

We have heard stories where parents that have bad credit will start using their kids SSN to establish new credit. Really easy to do when Joe Sr. uses Joe Jr.’s SSN to get a new credit card. Lots of immigrants share SSN numbers to get work. Very few have photo ID but pass around that Social Security Card.

One thing I still don’t understand is why the SSA (Social Security Administration) doesn’t require a photo on the Social Security Card. Yeah, sure most get an SSN as an infant but shouldn’t it be required at some point?  Hey, how about hooking the SSA up with the DMV’s and start using their photos.  Oh.. no.. that’s way too much bureaucracy.

Everyone needs to be careful. If you are filling out an application you should always ask why they need your SSN. Many doctors forms ask for it but they don’t really need it, especially if you have an insurance card.

Insurance companies and even the DMV in some states use to use a Social Security Number as the DL number or the member number. Laws have made them change that.

Bottom line … Ask Questions. Know who has access to your SSN:

  1. Ask about their privacy policies.
  2. How long they keep it on file.
  3. When do they destroy the document (employer, after you leave, how long?)
  4. How long after you stop going to that doctor do they destroy that paperwork?
  5. Do they shred documents or throw them out. Yikes!

If you stop working someplace or stop going to a doctor, know your rights. Keep track of every place you provided with your SSN and be sure to opt-out of any sharing.

Need to verify an SSN or make sure some one is not using a deceased SSN?
Social Security Numbers are never reissued.
People have been known to use a deceased persons SSN. Make sure.

ABOUT THE AUTHOR: Noah Wieder is CEO of SearchBug, Inc. and the founder of Best People Search. SearchBug.com offers a Free People Finder and Company Search as well as Data Scrubbing Services. Bestpeoplesearch.com is a private investigator portal and Information Retrieval Services web site where investigators offer searches to businesses and individuals with specific search needs.