People hear about scams and frauds happening to other people all the time. I know what your thinking... "it's not going to happen to me" "i would know if it was happening". How well do you really know? If it's a company you trust and they tell you everything is being taken care of, what is the chance out of 1 to 10 that's it's true? WE need to protect our personal and private information from criminals and crooks to avoid being scammed or possibly encountering a fraud.