Page 8 May 1, 2014 Finance from page 3 eye on your credit accounts, where evidence of potential fraud and identity theft may first appear. Identifying such signs early may help mitigate some of the damages associated with identity theft. While it’s true that consumers can do on their own virtually everything a credit monitoring product does, going it alone can sometimes be time-consuming and burdensome. Convenience is a significant benefit of a credit monitoring product. Not all credit monitoring products are alike, however, and if a company offers you this product in the wake of a data breach, don’t hesitate to carefully review the product and ask questions, including: • Does the product provide daily monitoring of credit files? • Will you receive timely alerts of key changes in your credit files? • Does the product monitor your credit file at all three of the major credit reporting agencies, or only one? For example, Equifax Complete monitors information from all three bureaus. • Are financial alerts included, and is it possible to link your bank and credit card accounts to the monitoring product? This allows you to be alerted when withdrawals from your bank account and/or charges to your credit card are processed, based on threshold amounts that you define. • Is Internet scanning for your Social Security Number and credit card numbers included? This may help detect unauthorized posting of your Social Security number and credit card numbers on certain suspicious trading sites. If a breached company cannot answer these questions, or you’re not satisfied that the credit monitoring product being offered is comprehensive enough for your needs, you may need to take additional steps. First, you should ask the breached company for a different product. Such companies are increasingly aware of the impact data breaches can have on their reputation, and may be more willing to engage with those customers who feel they’re not receiving an appropriate response in the wake of a data breach. If a company refuses to respond to your request, consider also subscribing to a more suitable product of your choice on your own - it can be a key step toward regaining some confidence and peace of mind when you’re a data breach victim. • People Graduation Dylan Goodreau (ESHS class of 2009) graduated from the Navy Recruit Training Command on Friday, April 18, 2014. Dylan was chosen Honor Recruit for his division by his peers and was also named Recruit Chief Petty Officer, authority granted by Recruit Division Commanders. Dylan is studying Nuclear Engineering in Goose Creek, SC. He is first in his family to serve in the military since his grandfather, Ted Goodreau (Army Air Corps –World War II). 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The deadline for Business and Professional (B&P) Ad copy and payment is at Noon on Tuesday. We reserve the right to reject, edit, and determine proper classification of B&P ads. Herald Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. MUST HAVE CONTRACT LICENSE NUMBER IN AD. PLEASE NOTE: NEW EMAIL ADDRESS E-mail ad copy to: class@heraldpublications.com COMMUNITIES COUNT electric Wise Electric Contracting Service Commercial/Industrial/Residential License No: 785853 Serving El Segundo since 1945 Keith R. 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Manhattan 5_1_14
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