What is identity theft?
Identity theft happens when someone uses your name, address, bank or credit card account number, SSN, or any other information that would allow them to create accounts, fraud or other crimes without your knowledge.
How Can Someone Steal My Identity?
These thieves get their information from businesses or institutions by: stealing records from their employer; bribing an employee who has access to records; conning information out of employees; hacking into organization’s computers. They search through your trash or businesses trashes and dumpster dive. They obtain credit reports by abusing their employer’s authorized access to credit reports or by posing as a landlord, employer or someone else who may have a legitimate need for and legal right to information. They steal credit and debit card information as the card is being processed by using a special information storage device that is known for its practice of skimming. They steal wallets containing ID and cards. They steal mail, which include statements for credit cards or banks, checks, or other information. They complete “change of address form” to divert your mail. They steal personal information from your home. They scam information from you by posing as legitimate business person or government official.
What Are The Consequences?
There are several consequences of someone stealing your identity. They can go on spending sprees by shopping for things they will sell simply. Open new accounts exploitation your info. they will amendment address and starts running up the costs. they will remove automotive vehicle loans exploitation your name. They establish wireless service. Use counterfeit checks then drain checking account. Open bank accounts underneath your name and use unhealthy checks on the account. Even file for bankruptcy to avoid paying debts or to avoid eviction. And might even provide your name to the police during an arrest. If they’re released and that they do not show up for the court date the arrest will be secure for your name.
Prevention And Protection Are Key
To avoid becoming a victim, there are certain measures you can take. Don’t give out your personal information over the phone or internet unless you’re sure it’s secure. Keep personal information stored away so it cannot be easily found. Shred all personal info before trashing. Do not open email from unfamiliar senders.
How Can I Tell If I’m A Victim Of Identity Theft?
You can tell is you’re a victim of identity theft if you see unexplained financial activity, not receiving bills or other mail, receiving cards not applied for, being denied credit, and receiving calls or letters from debt collectors or businesses about things you did not buy.
Remedying The Effects Of Identity Theft
If you ask reporting agencies, they can place a fraud alert on your account for other creditors to know that you are a victim. You have the right to free copies of information in your file. You have the proper to get documents concerning deceitful transactions created or accounts opened in your name. You also have the proper to get information from a debt collector. You’ll be able to block data in file ensuing from fraud. You have the right to prevent businesses from reporting information about you if it’s a result of identity theft.
If you believe you have been a victim of identity theft, it is imperative that you get in touch with us today!