Actually no, in a court of law the burden is on the plaintiff to prove his case. If I deny that the mortgage is mine then the bank has to prove that it is, not the other way around.
The real problem with ID theft isn't innocent people paying for loans they didn't take out. It's the time and hassle required to clean up your credit reports. A bank can list that 2nd mortgage on your credit report a lot easier than they can convince a court that the mortgage is yours.
Re:in other news, cementing the BP CEO has started
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Gulf Oil Leak Plugged?
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· Score: 2, Insightful
But the unsucessful "solutions" till this one, and the damage that happened and will still happen for weeks or months because no appropiate measures taken aren't accidents
That's pretty unfair. Do you think you could have come up with a better solution and deployed it in less time than BP did? Do you think it's that easy to cap a failed oil well under 5,000 feet of water?
Re:in other news, cementing the BP CEO has started
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Gulf Oil Leak Plugged?
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· Score: 1, Troll
Obama only drinks beer for photo-ops aimed at extracting his foot from his mouth. Occasionally he might also chug one back at a bowling alley to show that he's really a common man after all....
Re:in other news, cementing the BP CEO has started
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Gulf Oil Leak Plugged?
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· Score: 3, Insightful
That's what Officers and Directors indemnification insurance is for.....
No, Hollywood executives are just annoying. They haven't destroyed the country. The first people up against the wall will be the bankers, lawyers and politicians.
Oh wait, I was redundant there, the first people against the wall will be the bankers and lawyers....
The fee is not $25 in any jurisdiction that I'm aware of. It's $8 here in NYS. Even if it was $25, that's a small price to pay for not having to deal with the fallout from ID theft.
Instead, the inquiry would go to CheXsystems or similar, which do not provide a 'security freeze' option
CheXsystems is a consumer reporting agency like any other, even though they might claim otherwise. My state requires all consumer reporting agencies to provide consumers with a method to freeze their information. If CheXsystems isn't already doing this then they should be sued and forced to comply with the law.
Better than a fraud alert is the security freeze. They won't open a new account if they can't see your credit report. The security freeze shouldn't even be a major inconvenience, unless you are one of the champs that applies for every new credit and store card under the sun.
it might be helpful but its no substitute for common sense.
Common sense would be banks requiring more information than an SSN and DOB from an internet connected computer before opening lines of credit. I watched someone apply for a line of credit with Citi online and receive a $15,000 account with no verification of his identity beyond the SSN/DOB match. What's wrong with that picture?
a government takeover of healthcare, which Obamacare is most certainly not
Sure it was. The Government will control what kinds of coverages insurance companies can offer and will mandate that we purchase it. It's actually worse than a pure government takeover -- it's a government takeover via for-profit middlemen.
There aren't wildfires in the west, tornadoes in the mid-west, hurricanes in the south, blizzards, snow storms, and ice storms in the north, flooding along the Mississippi...
Ice storms aren't a "disaster" unless you live somewhere that's woefully unprepared for winter weather (i.e: the Southeast). The worst thing that ice storms do around these parts is knock out power for a few days.
The Northeast doesn't have many redeeming qualities but a lack of scary natural disasters is one of them.
Still a bad example. If you consume more than typical residential usage you may find yourself hooked up to a demand meter for commercial/industrial applications.
Congress is protecting phantom jobs that don't exist!
That's not true. There's the pilot who flies the CEO around. There's the undocumented laborers that maintain his property. Toss in a few lawyer friends from University for good measure.
Look at all these little things! So busy now! Notice how each one is useful. A lovely ballet ensues, so full of form and color. Now, think about all those people that created them. Technicians, engineers, hundreds of people, who will be able to feed their children tonight, so those children can grow up big and strong and have little teeny children of their own, and so on and so forth. Thus, adding to the great chain of life.
even ethernet cable strung from the local 'mom & pop' garage operation.
I've argued that people should be able to do this in the US and the statists always respond with the claim that the last mile is a "natural monopoly" and that's why we need the government to control it.
Here in the US you can't do that in most jurisdictions, because the local government signs exclusive franchise agreements granting monopoly status to just one or two players. They use the power of the state to ensure a monopoly and then argue that we should further expand the power of the state because of that monopoly.
Slashdot Mirror
Actually no, in a court of law the burden is on the plaintiff to prove his case. If I deny that the mortgage is mine then the bank has to prove that it is, not the other way around.
The real problem with ID theft isn't innocent people paying for loans they didn't take out. It's the time and hassle required to clean up your credit reports. A bank can list that 2nd mortgage on your credit report a lot easier than they can convince a court that the mortgage is yours.
But the unsucessful "solutions" till this one, and the damage that happened and will still happen for weeks or months because no appropiate measures taken aren't accidents
That's pretty unfair. Do you think you could have come up with a better solution and deployed it in less time than BP did? Do you think it's that easy to cap a failed oil well under 5,000 feet of water?
Obama only drinks beer for photo-ops aimed at extracting his foot from his mouth. Occasionally he might also chug one back at a bowling alley to show that he's really a common man after all....
That's what Officers and Directors indemnification insurance is for.....
No, Hollywood executives are just annoying. They haven't destroyed the country. The first people up against the wall will be the bankers, lawyers and politicians.
Oh wait, I was redundant there, the first people against the wall will be the bankers and lawyers....
Yeah, I remembered seeing it there. Great show, never finished the 3rd season though.
The fee is not $25 in any jurisdiction that I'm aware of. It's $8 here in NYS. Even if it was $25, that's a small price to pay for not having to deal with the fallout from ID theft.
Is that from the IT Crowd or has it been seen elsewhere?
Captain: Ok, let's beam down. I want the entire senior staff to join the party along with Ensign Smith.
Ensign Smith: Fuck.
Instead, the inquiry would go to CheXsystems or similar, which do not provide a 'security freeze' option
CheXsystems is a consumer reporting agency like any other, even though they might claim otherwise. My state requires all consumer reporting agencies to provide consumers with a method to freeze their information. If CheXsystems isn't already doing this then they should be sued and forced to comply with the law.
We need to go back to the ideals of the revolution, where everyone was treated equally under the law. WB's executives should be tarred and feathered.
Fixed that for you :)
no matter how many types of fraud alerts you put
Better than a fraud alert is the security freeze. They won't open a new account if they can't see your credit report. The security freeze shouldn't even be a major inconvenience, unless you are one of the champs that applies for every new credit and store card under the sun.
it might be helpful but its no substitute for common sense.
Common sense would be banks requiring more information than an SSN and DOB from an internet connected computer before opening lines of credit. I watched someone apply for a line of credit with Citi online and receive a $15,000 account with no verification of his identity beyond the SSN/DOB match. What's wrong with that picture?
a government takeover of healthcare, which Obamacare is most certainly not
Sure it was. The Government will control what kinds of coverages insurance companies can offer and will mandate that we purchase it. It's actually worse than a pure government takeover -- it's a government takeover via for-profit middlemen.
Have dry food. Have water for a few days.
You left out the ammo and can opener ;)
New Hampshire.
There aren't wildfires in the west, tornadoes in the mid-west, hurricanes in the south, blizzards, snow storms, and ice storms in the north, flooding along the Mississippi...
Ice storms aren't a "disaster" unless you live somewhere that's woefully unprepared for winter weather (i.e: the Southeast). The worst thing that ice storms do around these parts is knock out power for a few days.
The Northeast doesn't have many redeeming qualities but a lack of scary natural disasters is one of them.
Still a bad example. If you consume more than typical residential usage you may find yourself hooked up to a demand meter for commercial/industrial applications.
Unless they *really* strongly believed in it and were willing to sacrifice election chances they will bend in the wind of public opinion.
Then how do you explain the fact that the health care "reform" legislation passed when a large majority of Americans were opposed to it?
Bad example. The electrical grid does not promise to meet limitless demand.
just wait until they end up having to pay extra to all the ISPs so that the voters can get to their own campaign websites.
That will never happen. Ever notice how the politicians write themselves nice exemptions from the law that the plebeians have to obey?
Do you want a new line strung across your front yard everytime Joe Blow next door wants a new ISP?
Yes. The utility easement should not be used for the exclusive benefit of three handpicked monopolies.
Congress is protecting phantom jobs that don't exist!
That's not true. There's the pilot who flies the CEO around. There's the undocumented laborers that maintain his property. Toss in a few lawyer friends from University for good measure.
Look at all these little things! So busy now! Notice how each one is useful. A lovely ballet ensues, so full of form and color. Now, think about all those people that created them. Technicians, engineers, hundreds of people, who will be able to feed their children tonight, so those children can grow up big and strong and have little teeny children of their own, and so on and so forth. Thus, adding to the great chain of life.
They've bought congressmen.
What happened to the hope, change and a new kind of politics?
even ethernet cable strung from the local 'mom & pop' garage operation.
I've argued that people should be able to do this in the US and the statists always respond with the claim that the last mile is a "natural monopoly" and that's why we need the government to control it.
Here in the US you can't do that in most jurisdictions, because the local government signs exclusive franchise agreements granting monopoly status to just one or two players. They use the power of the state to ensure a monopoly and then argue that we should further expand the power of the state because of that monopoly.