Why is it SO Hard to HELP People These Days

Hello Everyone,
You may or may not know that I am a small business owner and entrepreneur in the area of Identity Theft. I am a Certified Identity Theft Risk Management Specialist and recently, I have had the opportunity to sit with a few clients and explain to them the services I offer through my company. Interestingly enough, in the news in NY, there have been quite a few reports about an employee of one of the largest and most prestigious hospitals in New York City, New York-Presbyterian Hospital/Cornell Weill Medical Center, having been charged with stealing the nonpublic information of approximately 40,000 patients. Here is the Story from NewsDay, and Here is the New York Times artcle.. During these meetings, I informed my clients that there are Federal Trade Commission laws specifically, The Fair Credit Reporting Act (FCRA), Fair and Accurate Credit Transaction Act (FACTA) and the new Red Flag Rules which mandate that ALL companies both large and small have in place a program that maps out preventative measures and steps taken to prevent data breaches of nonpublic information. As the information I gave to them in reference to the fines, lawsuits and loss of clients/customers took root, I saw each and every one of my clients look at me in awe since they were not even aware of the legislature having been passed, much less how to implement it. Needless to say, when I offered my expertise to assist them in setting this program up, FOR FREE, that’s when I received the raised eyebrow as if to say “What’s the catch?” New Yorkers are notorious for their skepticism. While explaining that: 1. My services in setting this up are free, (all I ask is that I have the opportunity to offer my services as a voluntary or fringe group benefit to the employees) 2. New hire follow up training is free and 3. Documentation is free, I am met with extreme disbelief.
Picture this: I am willing to meet with your employees, train them, follow up training for any new hires, keep you abreast of any new legislation involving these laws and fully document all of the above…. And my only request is that you allow me to offer a service to your employees. Does that sound like a deal that would assist ANY business? Well, to me it does, however, many potential clients are so skeptical that they cannot believe that there is no string attached! Even after showing the fines levied against, Choicepoint, Iron Mountain, BJ’s Wholesale Club for millions of dollars, these potential clients are still bewildered by the fact that it is a free program for the taking.
I fail to understand three things:
1 – How a business owner could know the ramifications of NOT having this program in place yet still pass on a free offering that protects the product of their many years of hard work, blood, sweat and tears
2 – How a business owner could pass on a benefit that can be offered to his/her employees that not only increases productivity during at-work hours, but 24/7/365 and it can be offered at no cost to the business if necessary
3 – How an owner AND employee could possibly pass on a service that gives the most comprehensive Identity Theft protection / Attorney Access in the country after reading the above articles from the NY Times and NY Newsday.
Sometimes it’s SO hard to help people it’s painful. I once saw an article about a man that tried to GIVE AWAY 100.00 bills. 70% of the people he offered it to, WOULDN’T TAKE IT!!! I have since contacted these clients and am in the process of sitting down with them again to reassess their need for this program. If you are a business owner, executive in charge of the welfare of your most cherished asset – your employees, concerned head of household or simply someone in search of a better way to protect your identity, please feel to check these websites, For Businesses, For Employees, For I D Theft Protection, For Individual Families. If you prefer a video presentation Turn Your Speakers On. All of my websites have my contact information, so feel free to contact me.

Take Care,
Mr. William D. Calloway Jr.

Seniors And Identity Theft

Hello Everyone,
I was perusing my daily gamut of articles that involve Identity Theft and came across one that truly touched me in an emotional way. You see, my father passed away this Saturday, March 1st and I was thinking about him when I came across an article in Kiplinger's http://www.kiplinger.com/features/archives/2008/03/krr-guard-against-identity-theft.html. I have been fortunate that my father was not in a retirement home when he passed, it was a sudden instance, but my mother is now a concern. I knew that there were alternatives to a retirement home, like assisted living, however, I hadn't come across any articles about home-health aides or nursing home assistants stealing identities. Well, so much for that!! I assumed that all help was vetted by the directors of these institutions, but once I looked at the above article, I realized that temptation can run rampant even in the most honest person.
I must say that after reading this article, I enrolled my mother in the same service I carry. It gives a wealth of protection against identity theft AND provides for the three most important documents in a loved ones life FOR FREE - a WILL, LIVING WILL and HEALTH CARE PROXY. Admittedly, I had these protections for myself, but I was thinking in a downward trend (having my family and children protected). It wasn't until after reading more articles on identity crimes against seniors, that I realized that no matter what the age, everyone needs protection. That is when I started thinking in an upward trend. (my mother, my wife's parents). I am now determined to get them the same protection that I have gotten for myself and family. I know there are others out there that need it also, and I would be more than happy to share the information I have on all of these subjects, including the service that I personally am enrolled in. Feel free to email me, leave a comment or let me know if you want more information. As a Certified Identity Theft Risk Management Specialist, I see my clients' protection in action everyday, but it is at times like these when the benefits truly become apparent. I had to invest all of 1.42 a day to get my mother enrolled...... small price to pay for peace of mind...........and with no annual committment just month to month (try getting that from your cell phone provider)....
Don't leave your families safety to chance.......
Mr. William D. Calloway Jr., CITRMS

Just What IS CITRMS?

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