Is Your Computer a Zombie?

Has your computer or smart phone become a resource to commit malicious acts against other persons and companies? By taking advantage of a wide variety of computer vulnerabilities, your device may become a zombie that is under the control of a criminal that conducts crime using electronic devices (e-criminal). Once an e-criminal has control, not only is your device being used to attack other systems, anything stored on, or typed into, that device is also compromised.

In the past the malware focused on causing harm to the device such as making it crash or capturing keystrokes for the purpose of gaining access to bank accounts or credit card information.  As e-criminals continue to evolve their destructive goals and increase damage to their targets, they realized the need for substantial computing resources and a way to avoid being detected.  To achieve both of these goals, malware was developed enabling e-criminals to take over network-attached devices; a very cost effective solution!

500 Million Sensitive Records Breached Since 2005

The most recent total from the Privacy Rights Clearinghouse’s Chronology of Data Breaches shows more than a half billion sensitive records breached since 2005, leaving Americans vulnerable to identity theft. Employees losing laptop computers, hackers downloading credit card numbers and sensitive personal data accidentally exposed online -- the Chronology of Data Breaches shows hundreds of ways that the personal information of consumers is lost, stolen or exposed. The Chronology of Data Breaches, a project of the Privacy Rights Clearinghouse since 2005, lists incidents involving breached consumer information, such as personal medical records, credit card numbers and Social Security numbers.

The most recent total, published August 24, 2010, is a wake-up call to consumers who think identity theft can’t happen to them. The Privacy Rights Clearinghouse estimates that the Chronology shows only a fraction of the total number of data breaches.

Why Privacy?

Your personal information is more than your name, address and Social Security number. It includes your shopping habits, driving record, medical diagnoses, work history, credit score and much more.

The right to privacy refers to having control over this personal information. It is the ability to limit who has this information, how this information is kept and what can be done with it.

Unfortunately, personal privacy is lost, unknowingly forfeited, purchased or stolen every day.

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Paper or Plastic: What Have You Got to Lose? 32

Once you decide to buy something, you then must determine how to pay for it. Do you hand over cash? Write a check? Pay with a credit card? Or use a debit card and have the payment automatically deducted from your bank account?

If you’re like most people, you use a combination of paper, plastic and electronic payments. Pros and cons exist to whichever payment method you choose. Many of us decide quickly about the method of payment and spend too little time thinking about the potential costs or consumer protections of each method.

But you should be aware that thieves are inventing new ways to steal consumers’ account information. For example, some crooks have learned to use “skimming” devices to steal credit card or debit card information off card-swipe machines. This guide seeks to inform you about your rights as well as outline the potential risks and benefits of different payment methods.