Re: Titor\'s Collapse Still Nowhere In Sight
Fico score of 800 or above is very rare. 770 Fico or above are not really necessary. /ttiforum/images/graemlins/smile.gif What make you think you are protected in terms of your credit score? I had around 750 fico score a year ago until some idiot started using my ssn, etc... That took me a long time to build up to that 750 fico score. When that took its form of damage, I gave up. There was absolutely no way to repair the extensive damages. The police could not help me, the credit bureaus will not help me, only to "dispute" items that are validated or not. Placing a credit "freeze" on my records are not allowed in the state of Idaho, is one of the reasons I gave up.
Credit scores are our financial lives. Once they are damaged, it takes a very long time to repair. Its no wonder why people can get my personal data through public records or other ways really really sucks. There is absolutely no privacy at ALL through any of this. Thats why its one of the major problems with the markets. You are correct that it is relied upon the personal responsiblities of the people, but dont forget, its also the financial system's responsibilities too.
IF I was a owner of a large bank, and its financial loan officer granted a house mortgage loan to a couple whose credit scores are in a high risk terms, dont you think that it's also the bank's fault? I do know that the banks would rather see you default on some loans because its a major boost to their profiteering.
From the theft of my credit files, I have learned a great deal about banks of what they truly are. They are all nothing but frauds. Almost all their loan applications are based on fraud activities. People sign up on their loan applications agreeing to those types of frauds. That really sucks too. I guess I cant trust any bank at all. Any bank offering me a loan, I turn into a hardcore financial skeptic!
Well, we are getting more dependent on computer systems for varities of records. This ranges from criminal history records to bank records. This is why I think that the collapse of our modern civilization would have to start somewhere along with the computer systems...again like you said, maybe not. (i.e. a major virus hits the stock market computers and there is no way to prevent that virus from spreading, something new that antivirus vendors havent seen.(anythings possible)) (another example, hackers building bot nets, controlling 100,000 computers in a one day setting, but some of those bot net computers are financial systems)... stuff like that. Dont say its not possible, it CAN happen.
Such incident can happen to you too. One day you got over 750 fico score on your credit records, then the next day it drops to 500 range. Alerts are sent to you, etc.. too late!!!! already damaged. This is what happened to me. Thats why I do not personally trust those who operates computers. I am going to provide you a very clear example below:
Ray, let me give you a example of what I just found out through google. There are ways of using specific search text strings in google that makes google a very good public records search. I am only using google, nothing else. The way I am using it, is very horrible and there is absolutely no privacy in this. This is a reason for not sharing the specific use of search strings in google. (I wouldnt even want someone to find out where I am at either) Please understand this is reality of what people can find out through their computers about anybody.
First step of Data Intelligence:
1. I know your DOB.
2. I know you live on a Samoa Dr.
3. I know you are on other websites.
4. I know your phone number.
5. I know where you used to live. *other infos included*
Second step of Data Intelligence: (outside of google)
1. I would get your SSN by accessing restricted databases online. *hackers do this all the time*
2. I would get your list of associative contacts. (relatives, friends and neighbors)
3. I would use specific hack programs to access your IP online. I would clone your IP to match with your data coming from your ISP. In this attempt, I will find out what antivirus software you are using. (Mechnor showed me this trick, so easy a 12 yr old child can do it!)
4. Knowing what antivirus software you are using on your computer and exploit its weakness. Download a hack program from a underground hacker network system that will penetrate that antivirus, using a code in a virus log that the antivirus software you are using no longer recognizes that specific virus. (Even black box or personal firewalls have specific exploits too)
5. I open up a RPC (remote procedure call) dialog with your IP address, using a cloner program. Exploiting the microsoft windows XP and Vista weakenesses. (if not, apple macs, or even linux as well) I would then somehow upload that exploit program onto your computer, which it will send me stealth emails of everything you typed in emails, banking logins, etc.. (keylogger spyware based).
Third step of Data Intelligence:
1. I would get your employment data, how much you earn a year.
2. I would get your banking data (already got that in # 5 in the 2nd step) but analyzing it.
3. All other stuff and infos needed to have. *credit card accts, etc**
Then thats it. You're ruined for life. This is exactly what happened to me. When you find out that someone's stealing your personal infos, you report it to the police. The police will end up telling you that they are forwarding it to the FBI cyber crime or no longer have any resources to further investigate this crime. The FBI is so much behind on everything, you would be suffering big time for their delay of investigation, or the police says "sorry, man.. there isnt much we can do, because we do not have the technical resources or the manpower to support this because the ID thief used sophisciated (sp) technology."
Could you imagine that? The ID thief doesnt have to leave his/her computer to get all of your personal infos. In the past, the ID thief would have to dig in your garbage to get your infos and stuff like that, but not anymore because computers are more interconnected nowadays.
There is no such thing as a "perfect crime". People make mistakes which people end up getting caught. However, when it comes to a professional ID thief, that professional will get away with it because every action involved, is already pre planned. When I reported this to the police, up to now, they still have not have any suspects. Its obvious to me the ID thief got away with it clear and clean.
I have learned alot about protecting my computers from intrusion. However, all computers are vulnerable no matter how high security you got them set for. When there is a will, there is a way in. That really sucks! I ended up going to court with the social security administration to get myself a new SSN. It took awhile because they required so much evidence of ID theft. IT was a pain in the ass! Again, the SSA administration says that only abusing the SS number is a way of getting a new SSN, but your credit files are transferred over to the new SSN reference file. Now that SUCKED! I still have to deal with bad credit which isnt my own, at least I would be safe from ID theft for a time.
Now this is why I believe that it has to start somewhere in some computer system which all civilization is reliant upon. Hmmm... a good debate, but I still think its possible in this way.