Recently I was asked a very pertinent question. "What does CITRMS stand for. Well, to put things in perspective, we have to look at the spate of problems that have been occurring with identity theft and the new laws that have been enacted to protect, NO ONE CAN PREVENT IT, and restore our identities in this day and age.
CITRMS, is the designation that one receives as a Certified Identity Theft Risk Management Specialist. C I T R M S. It certifies that the person has undergone a rigorous training with reference to the Fair and Accurate Credit Transactions Act, Fair Credit Reporting Act and the newly issued Red Flag Rules. If you want more information on these I urge you to visit the Federal Trade Commission website here for FACTA and FCRA. Visit here for information on the Red Flag Rules. The Institute of Fraud Risk Management conducts these trainings, which I must say are eye opening, to give professionals a better understanding of what exactly these laws are, and how to best protect our clients, and business associates from being victimized by data breaches such as these just from 2008. Many have been put at a false sense of security by their financial institutions whereby, they are told that any fraudulent charges will be taken care of, well, if you do not report them in 90 days, you may be responsible for THE ENTIRE AMOUNT!! (check with your financial institution to get details) Others have been lulled into a sense of security by advertisements saying “We will prevent identity theft”, that statement is impossible. Identity theft is NOT, I REPEAT NOT, solely financial. Here are some examples of identity theft that have absolutely nothing to do with finances This has been a 17 year nightmare, this is 1 SS#, 17 states and 81 ILLEGALS, how about a 3 MONTH OLD BABY with a work related back injury? I can list many others but the blog will get longer…smile
So my answer to you is this, CITRMS, stands for Certified Identity Theft Risk Management Specialist. Even though it is a mouthful, it can best be said that CITRMS stands for protecting my clients, business and family, with a program that is only offered by my company, and cannot be replicated anywhere else in the marketplace.
Do not be fooled, there are other identity theft companies that tout themselves as being able to prevent ID theft, but I emphatically state they cannot. One service even had it’s CEO become a victim. Mayor Blumberg even became a victim. I say all of this to say that any person in this digital age needs protection, before, during and after an ID Theft event. To add to this, if it happens, you need an attorney. This man sure needs one.
For more information you can email me or just leave a comment below….
Take care and be safe out there,
Mr. William D. Calloway Jr., CITRMS
Monday, February 18, 2008
The Vulnerability of CDL Licensees – Moving Violations
I have been doing a little research on the CDL market and have been enlightened in quite a few ways recently. I have stumbled across a few facts that in and of itself wouldn’t be so bad, but when looked at in conjunction with one another, THE CDL DRIVER IS AT RISK!!!!
Let’s take a simple moving violation for example:
Get a moving violation in YOUR PERSONAL CAR out of your resident state, and it gets reported on your driving history. (FMCSA Part 383.31)Well, I don’t know about anyone else, but most of us can get a speeding ticket off duty and it stays just that …OFF DUTY. To move further along this line, most of us can send in the ticket, pay the fine and go on with our lives. The CDL driver now has to tell his boss, then notify the state, which can have crippling results, depending on the strength of the employers history with its CDL drivers. Of course, more immediately, if that driver is on probationary time, kiss the job goodbye. Then the firing/lay-off is reported to EVERY employer for the next 10 years.
OK, let’s back up a little here……
You get the ticket and you know the rules and laws about out-of-state violations and you decide that you want to fight the ticket. UH OH….how are you going come back to Las Vegas, when vacation is over and you have to make a run (for arguments sake let’s say a five day turn around)?? Well this presents another problem. Do you have more time to take off? Are you able to deal with the prosecutor? Can you get the best circumstances out of it? Well, probably not, since no truckers that I personally know of are also attorneys.
Next, let’s look at the fact that truckers are constantly asked to turn over their CDL’s for identifying their access to delivery facilities. This presents another set of problems….Can you say IDENTITY THEFT? Lord knows if your CDL is used by a criminal that has gotten your CDL and personal information like these 81,000 drivers from Miami-Dade. Don’t get me wrong, 99% of people handling paperwork are law abiding and trustworthy, but can you leave yourself open to the 1% that are not? Think back to your last run. How many times did you hand your CDL and paperwork to someone that you don’t really know? THAT’S MY POINT!!!
This is why I say CDL drivers are at risk, not only are their licenses at risk, their ability to make a living and provide for their families are at risk. This was the reason for my research into the CDL market. I came across a company that is providing protection in both areas and would be more than happy to show you how to take advantage of these services.
Email me or call me if you have any interest in PROTECTING YOUR CDL, YOUR LIVELIHOOD AND YOU FAMILY!!!
Be Safe out there
Mr. William D. Calloway Jr.
Let’s take a simple moving violation for example:
Get a moving violation in YOUR PERSONAL CAR out of your resident state, and it gets reported on your driving history. (FMCSA Part 383.31)Well, I don’t know about anyone else, but most of us can get a speeding ticket off duty and it stays just that …OFF DUTY. To move further along this line, most of us can send in the ticket, pay the fine and go on with our lives. The CDL driver now has to tell his boss, then notify the state, which can have crippling results, depending on the strength of the employers history with its CDL drivers. Of course, more immediately, if that driver is on probationary time, kiss the job goodbye. Then the firing/lay-off is reported to EVERY employer for the next 10 years.
OK, let’s back up a little here……
You get the ticket and you know the rules and laws about out-of-state violations and you decide that you want to fight the ticket. UH OH….how are you going come back to Las Vegas, when vacation is over and you have to make a run (for arguments sake let’s say a five day turn around)?? Well this presents another problem. Do you have more time to take off? Are you able to deal with the prosecutor? Can you get the best circumstances out of it? Well, probably not, since no truckers that I personally know of are also attorneys.
Next, let’s look at the fact that truckers are constantly asked to turn over their CDL’s for identifying their access to delivery facilities. This presents another set of problems….Can you say IDENTITY THEFT? Lord knows if your CDL is used by a criminal that has gotten your CDL and personal information like these 81,000 drivers from Miami-Dade. Don’t get me wrong, 99% of people handling paperwork are law abiding and trustworthy, but can you leave yourself open to the 1% that are not? Think back to your last run. How many times did you hand your CDL and paperwork to someone that you don’t really know? THAT’S MY POINT!!!
This is why I say CDL drivers are at risk, not only are their licenses at risk, their ability to make a living and provide for their families are at risk. This was the reason for my research into the CDL market. I came across a company that is providing protection in both areas and would be more than happy to show you how to take advantage of these services.
Email me or call me if you have any interest in PROTECTING YOUR CDL, YOUR LIVELIHOOD AND YOU FAMILY!!!
Be Safe out there
Mr. William D. Calloway Jr.
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