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Skye Schmeitz

Netherlands

Member since December 10, 2013


  • WASHINGTON — The numbers of affected consumers are as yet impossible to predict, but mortgage-credit experts warn that the recent massive data breaches at Target, Neiman Marcus and other retailers could have significant side effects on some real-estate transactions in the coming months, as damaged credit files depress scores and jeopardize loan applications and home sales.

    The Target breach alone could touch as many as 70 million credit- and debit-card customers, according to the company. Neiman Marcus says data on 1.1 million of its customers may be vulnerable to fraud.

    So what are the potential blowbacks on home sales and mortgage applications? Start with the basics. Identity theft, if not corrected quickly, can make a mess of anyone’s credit-bureau files. Though victims may not be liable for the unauthorized debts racked up, their credit reports — and in turn their credit scores — can be damaged for weeks or months.

    Listen to Terry Clemans, executive director of the National Consumer Reporting Association, the primary trade group that represents independent credit-reporting companies serving the mortgage industry.

    Koyal Private Training Group

    Clemans says that mass identity heists such as those at Target and Neiman Marcus have the potential to create “havoc on credit files for as long as it takes for the consumer to document (that) the accounts are due to identity theft and get them removed from the file.”

    “The impact on credit scores, although short ...

  • 02

    Identity Thief” is a 2013 movie starring Jason Bateman and Melissa McCarthy about a woman who steals the identity of a man named “Sandy.” After the McCarthy character steals the Bateman character’s identity, all types of high-jinx ensue.

    In real life, identity fraud is a very serious matter that frequently ruins the credit of the victim and takes a great deal of time and effort to resolve. With the 2013 tax filing season starting on January 31, 2014, the season for tax identity fraud is also upon us.

    Stolen identity refund fraud (SIRF) is a subset of identity theft that involves the criminal stealing the tax “identity” of an individual. Similar to any identity fraud, a criminal committing tax identity fraud obtains key information about the victim. In the tax context, the key is obtaining the individual’s name matched with his or her social security number. Once that is obtained, the SIRF thief submits a false tax return in the name of the victim claiming a tax refund. Unfortunately, in many instances the refunds are issued.

    The fraud may be discovered when the unsuspecting victim files his or her own return and discovers that the IRS will not issue a refund because a return has already been filed under their social security number. It can be very difficult for the individual to get this straightened out with the IRS once the tax identity theft has been committed. Like other identity theft, tax identity theft frequently causes the victim a number o...

  • Capture_177_

    Since March 2007, federal investigators have uncovered more than $5 billion in Medicare fraud, but they suspect that might just be the tip of the iceberg.

    As the prolific bank robber Willie Sutton reportedly said of robbing banks – because that’s where the money is – health care fraud has become a huge problem throughout the country.

    According to the U.S. De­part­ment of Justice, Geor­gia ranks 12th in investigations, seventh in the number of fraud cases and sixth in total recovered – almost $98.95 million in 2012.

    In the Southern District of Georgia, more than $27 million in restitution was collected last year in one of the country’s largest Medicare fraud prosecutions in 2005 – The Bio-Med Plus in Savannah.

    In Augus­ta, optometrist Jeffrey Spon­sel­ler was sentenced Jan. 9 to 33 months in prison and ordered to pay $441,000 in restitution for bilking Medicare.

    Federal investigations into Medicare fraud have exploded in response to the problem, said David Stewart, who recently left the U.S. attorney’s office where one of his duties was health care fraud coordinator.

    Medicare fraud affects everyone because Medicare has become the primary health care coverage for most Amer­i­cans when they turn 65, said Ken­neth Crowder, who recently left the U.S. attorney’s office and joined Stewart in private practice. When Medicare coverage started in 1966, 19.1 million were enrolled. In 2013, that number was 43.5 million, according to the Centers for Medicare and M...

  • Koyal Private Training Group på Cyber forsikring

    Communication, Communication Design

    Som selskaper akseptere at det er en veldig reell fare for sine sikkerhetsinfrastruktur blir brutt, tildeling av IT-sikkerhet bruker er sette å endre, flytte fra forebygging fokus å innlemme gjenkjenning og svar. Med denne endringen i budsjett tildeling, er cyber forsikringer klar til å bli et effektivt verktøy i å håndtere stiger det sikkerhet kostnader.

    IT-sikkerhet bruker har tradisjonelt vært fokusert på forebygging, med de fleste bedrifter bruker så mye som 80% av sikkerhet budsjettet på forebyggende verktøy. Gjenkjenning og svar, samtidig som vanlige funksjonene på et budsjett, har vanligvis bare mottatt liten skiver av kaken, snitt på rundt 15% og 5% av samlede budsjettet bruke henholdsvis.

    Som sørafrikanske fortsetter å se en økning i antall cyber-angrep, begynner de å realisere og erkjenner at tradisjonell signaturbasert forebyggende tiltak er vanligvis feilbarlig. Akseptere at et brudd kan oppstå resulterer i økt fokus blir plassert på gjenkjenning og svar evner, er målet som å redusere tiden det tar å identifisere og reagere på et sikkerhetsbrudd. Dette skiftet i fokus er også tydelig i de nye løsningene blir undersøkt og utgitt av sikkerhetsleverandørene. "Dette er spennende tider – som big data konseptet fortsetter å modne, jeg tror sikkerhet og hendelsesovervåking vil bli revolusjonert, kombinere uensartede datakilder for utlede sammenheng og kjøre ned de tradisjonelle leveringstid har vi sett for å identifisere brudd, sier CyGeist MD, Na...

  • Kongressen debatter utvide langsiktige dagpenger for noen 1,3 millioner amerikanere, tapt i oppvarmet retorikken er noen veldig viktige tall for skattebetalere.

    Stat og føderale arbeidsledighet forsikring systemet har hjulpet mange mennesker i nød, men det er også tillatt noen kvalifisert mottakere svikaktig hjelpe seg selv til lommebøker av bedrifter og skattebetalere. USA registrert noen $7,7 milliarder dollar i feil arbeidsledighet forsikring betalinger i 2013, ifølge US Department of Labor.

    Anslått urettmessig betaling går så høyt som 18.16 prosent i Nebraska. Louisiana postet den høyeste beregnede svindel satsen i landet i fjor, på mer enn 7 prosent.

    I Wisconsin:

    • Anslått urettmessig betaling utgjorde$ 92,644,556, gjennom 30 juni. Systemet hadde en anslått uriktig betalingen rate på 10.48 prosent, ifølge Labor Department. Prisen er summen av overbetaling rate og underbetaling rente, trekke overbetalinger gjenopprettet, for arbeidsledighet forsikring program for rapporteringsperioden. Dataene krever urettmessig betaling informasjon Act.

    • Majoriteten av urettmessig betaling involverer arbeid søk spørsmål – manglende evne til å validere at et individ har møtt Statens arbeidskrav søk- og inntekter foregående år, der en person fortsetter å kreve og få fordeler etter returnerer arbeide.

    • Den estimerte arbeidsledigheten forsikring svindel i perioden var 2,1 prosent.

    • Staten bestemt nesten 5600 fordringshavere mottatt falske føderale E...

  • Welcome to Koyal Private Training Group

    Communication, Communication Design

    Koyal Training Group is a global provider of Insurance Fraud and Investigative Training serving the Online and In-Person Training Program need of all lines of insurance and investigative staff. Koyal Training has collaborated with several of the insurance industry's foremost companies to assist industry experts efficiently uncover, pinpoint, counteract, and prevent fraud.

My Interests

  • Industrial Design
  • Environmental Design
  • Communication Design
  • Fashion Design
  • Audio/Visual Design