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Name Game
Premium Member
join:2002-07-07
Grand Rapids, MI

1 recommendation

Name Game

Premium Member

Re: Data breach affects 73,000 TD Bank customers in Mass.

They are my bank and I feel safe But just as I said in other threads on banking problems..a lot gets unreported until the banks figure out what really happened and how to cover potential losses..some of it we never find out.

Even cash seems to be missing lately in mysterious ways.

»money.cnn.com/2012/10/12 ··· pt=hp_t3

Snowy
Lock him up!!!
Premium Member
join:2003-04-05
Kailua, HI

1 recommendation

Snowy

Premium Member

Click for full size
bits n pieces spells bad news
said by Name Game:


They are my bank and I feel safe

I would too if I banked with them.
It's not as if the data exists in a vacuum though.
*If* the data is being used maliciously it will be merged on the black market with other PII data that's been harvested either legally or illegally to create a more detailed profile of an individual.
The more detailed a profile, the more $ it will sell for on the black market.

For general information...
Some of the PII items available for sale on the ID black market are:
An SSN/DOB (record will sell for a buck)
A CC # with exp (will sell for 1-20 dollars depending on certain factors).
An email address w/password (.50cents)

Along with other records, when put into a composite of an individual the record becomes known as a "full" or more commonly a "fullz"
What is generally expected to be included in a high quality "fullz"?
*********
First Name and Middle Initial :
Last Name :
Address :
Address 2 :
Apartment/Suite # :
City :
State :
Country :
ZipCode : 3
Country : US
Phone :
Birth Date :
Mother's Maiden Name :
Social Security Number :
Credit Card Information :
*********
Payment type : Debit
Card Type : VISA
Credit Card Number :
Exp. Date :
Name On Card :
Cvv2 :
Account Information :
*********
Email Address :
Password :
Account Security Question :
Answer :
*****

This "fullz" data is the Holy Grail of the ID theft industry.
It's an example of how the total is greater than the parts.
Sellers want them to commad higher selling prices, buyers want them for higher value ID thefts.
As the image shows - $70 for a single "fullz"
It's a bargain to the buyer, in the right hands the data can be turned into a financial bonanza in a matter of hours.

Short story: Look beyond abuse @ a TD Bank account because the potential for that PII to be abused elsewhere is huge.

Name Game
Premium Member
join:2002-07-07
Grand Rapids, MI

1 recommendation

Name Game

Premium Member

Understand Thanks..knew you were hiding the good stuff. Hope those guys are not charging sales tax.

Snowy
Lock him up!!!
Premium Member
join:2003-04-05
Kailua, HI

Snowy

Premium Member

said by Name Game:

Hope those guys are not charging sales tax.

Nope, price includes free electronic delivery & a money back guarantee too!
If the data proves to be 'bad' you can get shop credit at the high end stores.
Their modeled after legit online retailers.
Shopping carts, search functions, contact us info with fast replies, everything you'd expect from a high end retailer that caters to it's clientele.
Admission is often by reference only.
A known/trusted member needs to send a prospective member an invitation to join the top CC Stores.
The fly by night stores will have an open registration policy but that's a trade off for dependability.