Go Ahead and Steal My Identity – My Credit Is Bad Anyhow

Someone actually said this to me the other day and I had to sit down and give them a quick and dirty lesson in ID Theft. Although it sounds funny, most people are under the false impression that identity theft is not a problem to those with bad or mediocre credit. Well ladies and gentlemen, I am here to let you know that “This aint Kansas anymore Dorothy”
Instead of giving a boatload of statistics on which types of identity theft are most prevalent, I’ll save that for a more editorial style blog at a later date, I would like to give you a few scenarios that could occur if you take the stand that your mediocre or bad credit keeps you out of the realm of having your identity stolen.
Scenario One: Your credit is horrendous, but you have a decent job with medical benefits for you and your family. This sounds relatively innocuous and serene right? Well, take this scenario and add a little medical identity theft. Now in one case, the thief gets your medical card and goes to a local doctor’s office and gets a prescription filled for oxycontin. Then another and another and another and another at different medical facilities. Now they go out and hit the club with some friends and sell some of them. WOOPS!!! One of those sales was to an undercover police officer. (Extreme case right?) Now they ask where they got them. Hmmmm..don’t all of the prescriptions have YOUR name on them? OK, that was too drastic. Let’s say the thief goes to the emergency room and it is found out that they are diabetic. Well, they get an insulin prescription and low and behold, YOU are now a diabetic. Go to the hospital in any kind of unconscious state and … You guessed it, you’re going to get insulin! Sound drastic? Well it happens.
Scenario Two: Your credit is mediocre but you have a driver’s license. Another relatively mild sounding affair correct? Well your friendly neighborhood thief gets a few speeding tickets and low and behold, YOU are now a scofflaw subject to arrest when stopped for ANYTHING. “Excuse me officer, I didn’t know my tail light was broken…Huh? What do you mean step out of the vehicle?” I make it sound kind of funny but these things happen. One man was jailed for three days because he had an argument with his girlfriend and the police ran his ID and found that he was wanted for possession of a controlled substance, trafficking in narcotics and quite a few speeding tickets. All because someone stole his license and had decided rather than go to jail they’d give someone else up instead. Let’s be for real people, we may not think these things can happen, but they can and will. When it comes to identity theft, it’s not IF it can happen, it’s only a matter of time until WHEN it happens.
I know it’s scary, but the best thing is to be covered. Not just credit, but Social Security, Medical, Driver’s License AND Criminal. The service I market through my business offers all these coverages for less than you can imagine. In addition, it includes access to a SYSTEM of provider law FIRMS…..in case you need an attorney. What more can I say besides, contact me for any additional information you might need.

Be Careful, Be Safe,
William D. Calloway Jr., CITRMS

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.