Shred360 Blog

shred-bowl-summary-photo-2016

CLICK HERE TO ENTER TO WIN THE USC-CLEMSON GAMEDAY EXPERIENCE!

It’s the 4th Annual Shred360 Shred Bowl. The Clemson Tigers have swept the series to this point… Can the South Carolina Gamecocks finally get into the win column this year? The Shred Bowl is a great way for you to protect your identity by attending one of the two FREE shred day events on November 16th…AND, a great way to win a Game Day Experience.  Thanks to our sponsor partners…Clemson University Office of Information Security and Privacy, Carolina Recycling and Chick Fil A of Clemson and Seneca.

To be eligible to win, you MUST click the link above and enter some basic information and choose either Clemson or South Carolina. The school with the most overall participation (online registrations and attendance at the Shred Bowl shred days) will win Shred Bowl 2016. We’ll randomly select a winner from the online submissions of the winning school to win the Game Day Experience prize package. It’s simple, quick and FREE!

It’s not necessary to attend the shred day event, but remember, the school with the most overall participation will be the winner, so your odds are improved by attending!

Shred Day at Clemson University
November 16
9AM-12PM | 1PM-4PM
Littlejohn Coliseum / Clemson University Campus
1159 Ravenel Road
Clemson SC 29631

Shred Day at Univ of South Carolina
November 16
9AM-12PM | 1PM-4PM
USC Bus Lot / Univ of South Carolina Campus
1301 Barnwell St
Columbia SC 29201

Shred360 Blog

hurricane

Shared from our friends at SC Dept of Consumer Affairs…

Shred360 and the SC Dept of Consumer Affairs (SCDCA) are advising consumers to be on the lookout for scams in the weeks following Hurricane Matthew.

Avoid becoming a victim of charity scams with these tips:

  • Seek out a charity that needs your support. Be cautious of groups that approach you. Get more information on a particular charity by visiting the SC Secretary of State’s Office at www.sos.sc.gov to search on a particular charity or by calling 1-800-CHARITI (242-7484).
  • Donate to well-known charities. Watch out for charities that have sprung up overnight. They may mean well, but lack the infrastructure to provide assistance. Do not assume a charity is legitimate based on its name. Some phony charities use names that sound or look like those of respected, legitimate organizations.
  • Know where the money is going. Ask what percentage of your contribution goes to the charitable cause. Find out their mission and history. Do not be afraid to ask for details in writing.
  • Do not send or give cash. For security and tax record purposes, contribute by check or credit card. Write the official name of the charity on the check.

Protect yourself from fraudulent contractors:

  • Do your research. If someone shows up at your door offering contractor services, be wary. Get references from your friends, neighbors or co-workers, as well as multiple bids on the cost of the project.
  • Verify information. Check the contractor’s ID with full name, business location and phone number, and ask to see the vendor’s business license/permit from the state, county and/or city.
  • Do not pay in full up front. Never pay more than  half of the cost of the repairs up front. Also, consider paying with a credit card or check made out to the business rather than cash.

Keep the following tips in mind when fielding emails, texts, and phone calls:

  • Be wary of emails, texts and pop-ups you did not solicit. Do not reply to requests asking for personal or financial information, click on, or paste links into your browser. Do not call a phone number contained in the message.
  • Follow up. Verify the validity of the communication by contacting the organization directly, with contact information that you have found in the phone book or by going to the company’s website.
  • Use antivirus or anti-spyware software and a firewall. Make sure to update them regularly. Phishing emails may contain software that can harm your computer or track your activities on the internet.

Consumers are encouraged to report scams by either calling 844-TELL-DCA (835-5322) or visiting www.consumer.sc.gov and clicking REPORT A SCAM. For more info on disasters, see SCDCA’s guide to Recovering from a Disaster and Beware of Disaster Scams.

 

Shred360 Blog

Shred360 Golf Tournament to Benefit Epworth Children's Home

WHEN:
Friday, October 21st, 2016
8:00am Reg 9:00am Start

WHERE:
Hidden Valley Country Club
147 Excaliber Ct
Gaston SC 29053

ENTRY FEE:
$65 each player OR $250 per team

WHAT:
4-Person Captains Choice
Golf Tournament & Lunch

EXTRAS:
Mulligans/Red Tees/Throws
$5 Each —OR—
$20 SHRED PACKAGE Incl:
2 Red Tees + 2 Mulligans +
1 Throw (+5 raffle tickets)
Each Mulligan/Red Tee purchase will also serve as raffle tickets for prizes after play

SCHEDULE:
8:00 Registration
8:00 Range/Putting Open
8:45 Welcome
9:00 Shotgun Start
Lunch/Prizes After Golf

WHY: All proceeds will be used to benefit Epworth Children’s Home. Participation and  Sponsorship is an excellent  way to help support this great organization.

Get all the details and sign up you or your team using the attached PDF form >>

More About Epworth Children’s Home

Your participation or sponsorship of this golf tournament will provide much needed financial support to  Epworth Children’s Home. Since 1896, Epworth Children’s Home has been a place for children to grow, learn and be loved.  Children ages 4-18 come to Epworth from broken family systems and Epworth’s goal is to nurture and love them by providing education, counseling, medical care and spiritual enrichment.  Epworth aims to break the destructive cycle of abuse, neglect and shame and replace it with an opportunity for each child to live a life of self-respect, responsibility and productivity.

Epworth is licensed by the SC Dept of Social Services and is recognized as a 501c3 private, child and family service organization.

The mission of Epworth Children’s Home is to serve children, youth and families through a caring, accepting and safe Christian community, where hurts are healed; hope is nurtured; and faith in God and others is developed.

Shred360 Blog

back-to-school-supply-drive

It’s that time of the year when kids and teachers are dreading the end of summer break and the inevitable return to school. Temperatures are hot and families are squeezing in last minute vacations.  One thing most kids enjoy is the back-to-school shopping that the end of summer brings. Unfortunately, not every child has the opportunity to go back-to-school shopping because of financial difficulties. That’s where YOU can help! During the month of August, Shred360 will be offering a number of FREE document shredding events that also combine a Back-To-School Supply Drive. Come out to one (or more) of these events and have up to 3 boxes or bags of confidential files shredded for FREE and bring out some school supplies to help those children less fortunate in our area. For a listing of these upcoming events, CLICK HERE for all of the details. School supplies needed are listed below:

#2 Pencils
Pens (red, blue and black)
Inexpensive flash drives
Boxes of tissue
Glue sticks
Handheld pencil sharpeners
Loose leaf notebook paper
3×3 Post It Notes
Highlighters
Composition Notebooks (not spiral)
Graph paper
3×5 Index Cards
Shred360 Blog

ATM Skimming Device

If you remember, last week I told you about my debit card being hacked…and shared how to Watch Out For Skimmers At The ATM (Part 1). This article discussed overall ATM safety and some basic steps to protect yourself. In today’s article, I will attempt to give you further information on how you can actually spot and avoid these skimming devices. After reading, I would also encourage you to do your own research… Simply do an online search (both general AND images) for ATM SKIMMING DEVICES. The more you know, the better you will be able to protect yourself! This article will get you started and pointed in the right direction.

What Are Skimmers?
Skimmers are are essentially malicious card readers that grab the data off the card’s magnetic stripe attached to the real payment terminals so that they can harvest data from every person that swipes their cards. The thief has to come back to the compromised machine to pick up the file containing all the stolen data, but with that information in hand he can create cloned cards or just break into bank accounts to steal money. Perhaps the scariest part is that some skimmers don’t prevent the ATM or credit card reader from functioning properly.

Classic skimming attacks are here to stay, and will likely continue to be a problem even after banks make the shift to EMV chip cards, according to Stefan Tanase, a security researcher at Kaspersky Lab. Even if the cards have a chip, the data will still be on the card’s magnetic strip in order to be backwards compatible with systems that won’t be able to handle the chip, he told us. Now, months after the U.S. rollout of EMV cards, some merchants still require customers to use the magstripe.

The typical ATM skimmer is a device smaller than a deck of cards that fits over the existing card reader. Most of the time, the attackers will also place a hidden camera somewhere in the vicinity with a view of the number pad in order to record personal-identification-numbers, or PINs. The camera may be in the card reader, mounted at the top of the ATM, or even just to the side inside a plastic case holding brochures. Some criminals may install a fake PIN pad over the actual keyboard to capture the PIN directly, bypassing the need for a camera.

atm skimming device photo for article

The above picture is a real-life skimmer in use on an ATM. You can see how the arrows are very close to the reader. That is a sign a skimmer was installed over the existing one, since the real card reader would have some space before the arrows.

When you are pumping gas or grabbing some money for lunch out of the ATM, the last thing you want to worry about is your card information getting stolen. Here are some tips, straight from the experts.

Check for Tampering
When you approach an ATM, check for some obvious signs of tampering at the top of the ATM, near the speakers, the side of the screen, the card reader itself, and the keyboard. If something looks different, such as a different color or material, graphics that aren’t aligned correctly, or anything else that doesn’t look right, don’t use that ATM. The same is true for credit card readers.

If you’re at the bank, it’s a good idea to quickly take a look at the ATM next to yours and compare them both. If there are any obvious differences, don’t use either one, and report the suspicious tampering to your bank. For example, if one ATM has a flashing card entry to show where you should insert the ATM card and the other ATM has a plain reader slot, you know something is wrong. Since most skimmers are glued on top of the existing reader, they will obscure the flashing indicator.

If the keyboard doesn’t feel right—too thick, perhaps—then there may be a PIN-snatching overlay, so don’t use it.

Wiggle Everything
Even if you can’t see any visual differences, push at everything, Tanase said. ATMs are solidly constructed and generally don’t have any jiggling or loose parts. Credit card readers have more variation, but still: Pull at protruding parts like the card reader. See if the keyboard is securely attached and just one piece. Does anything move when you push at it?

Skimmers read the magnetic stripe as the card is inserted, so give the card a bit of a wiggle as you put it in, Tanase advised. The reader needs the stripe to go in a single motion, because if it isn’t straight in, it can’t read the data correctly. If the ATM is the kind where it takes the card and returns it at the end of the transaction, then the reader is on the inside. Wiggling the card as you enter it in the slot won’t interfere with your transaction, but will foil the skimmer.

Think Through Your Steps
Whenever you enter your debit card’s PIN, Just assume there is someone looking. Maybe it’s over your shoulder or through a hidden camera. Cover the keypad with your hand when you enter your PIN, Tanase said.

Even if you don’t notice the skimmer and swipe your card, covering your hand when you enter your PIN can keep you safe. Obtaining the PIN is essential, since the criminals can’t use the stolen magnetic stripe data without it, Tanase said. Of course, that assumes the attacker is using a camera and not an overlay to obtain your PIN.

Criminals frequently install skimmers on ATMs that aren’t located in overly busy locations since they don’t want to be observed installing malicious hardware or collecting the harvested data. The ATMs inside banks are generally safer because of all the cameras, although some daring criminals do still succeed at installing them there. The ATM inside a grocery store or restaurant is generally safer than the one that is outside on the sidewalk. Stop and consider the safety of the ATM before you use it.

The chances of getting hit by a skimmer are higher on the weekend than during the week, since it’s harder for customers to report the suspicious ATMs to the bank. Criminals typically install skimmers on Saturdays or Sundays, and then remove them before the banks reopen on Monday.

Whenever possible, don’t use your card’s magstripe to perform the transaction. For credit card readers, feel underneath the PIN pad for a slot to insert your card and its EMV chip to be read. When you use your EMV chip, the card is authorized on the device and your personal information is never transmitted. This forces criminals to attack the inner workings of EMV-enabled readers. While cracking EMV readers is possible, it’s much harder than magstripe skimming.

Stay Aware
If you don’t notice a card skimmer and your card data does get stolen, take heart. As long as you report the theft to your card issuer (for credit cards) or bank (where you have your account) as soon as possible, you will not be held liable for the lost amount and your money will be returned. Business customers, on the other hand, don’t have the same legal protection and may have a harder time getting their money back.

Timely reporting is very important in cases of fraud, so be sure to keep an eye on your debit and credit card transactions. Personal finance apps like Mint.com can help ease the task of sorting through all your transactions. Also, try to use a credit card whenever possible. A debit transaction is an immediate cash transfer and requires making an FDIC claim whcih can take weeks to be processed. Credit card transactions can be halted and reversed at any time, and doing so puts pressure on merchants to better secure their ATMs and point-of-sale terminals.

Lastly, pay attention to your phone. Banks and credit card companies generally have very active fraud detection policies and will immediately reach out to you, usually over phone or SMS, if they notice something suspicious. Responding quickly can mean stopping attacks before they can affect you, so keep your phone handy.

Just remember: If something doesn’t feel right about an ATM or a credit card reader, just don’t use it. And whenever you can, use the chip instead of the strip on your card. Your bank account will thank you.

Here’s another useful photo graphic to assist you in identifying ATM skimming devices…and remember to search for more online!

atm-skimming

Special thanks to our friends at PC Mag Online for this great information! Check them out at pcmag.com for more great info…

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