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Rana

This is one of those things where I figure hiding in plain sight is about the only viable strategy. The odds of me being attacked and robbed by one of these hackers are either very small - I'm one individual out of a great sea of people on the net - or they are quite high, in which case my banks and what-not are prepared for dealing with the fall-out.

None of my identity theft issues have happened as a result of me doing things on line - every single one of them had to do with someone offline screwing up - the supermarket that didn't protect its customers' debit card PINs, the credit card processing agency that lost track of its data, and so on.

For the ordinary person, this is a bit like worrying about being mugged while living in a war zone.

Linkmeister

I've got a pointer to a tool which scans for it here.

Chris The Cop

Rana - don't rely on your bank to stop this kind of fraud. If you do any kind of Internet banking or bank-to-bank transfers, you have to do your own diligence to make yourself less likely to be a victim.

Rana

Oh, I don't rely entirely on my bank. But there are some things that are just outside my ability as a single consumer to affect - what happens when my credit union's information is mishandled by one of their partners, for example. My credit union's actually quite good about this sort of thing - I've had two fraud situations during the 25 years I've been with them, and both times it was them who notified me, alerted the credit bureaus, canceled the false charges, and issued me a new card free of charge. I have no complaints with them; they are one of the few institutions I do business with that I trust.

My point was more that while one can (and should) take steps to reduce one's risk, there's no reason to cower under the bed, either. There's only so much I, as a single individual, can do to reduce my personal risk, and when it comes to large-scale risk like that posed by a worm that has infiltrated companies with greater resources and greater experience with security than myself, there's really very little I can do.

It's like the current economic crisis - while I am responsible with my own finances, that doesn't really help me when the big guys go belly up, and the likelihood that I could have prevented even a small part of it through my own actions is vanishingly small. So why worry about it, until it's something that I _can_ deal with, like my own bank statement? I'd rather deal with the problems as they come, rather than obsessing over things that are literally outside of my ability to control.

Chris The Cop

Very true - good points all.

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