id theft fraud prevention

April 5, 2009

How Did Identity Theft Came Into Origin?

John Goldman asked:


It could be hard to believe that the history of identity theft is young but there are several cases that speak about piracy and id theft. Much before the technology age, most of the thieves had to work had to make their living as they nearly had to go out and grab someone’s wallet or handbag. According to the identity theft statistics it is found to be much common in today’s world than it was before. This is mainly due to the widespread use of internet. However identity theft was also common much before the internet technology.

Identity theft ages before

Much before the internet technology had gained popularity, identity theft was common in the form of dumpster diving and by going through your trash in case you have thrown away any personal identifying information such as bills or documents. However much before that, identity theft was considered as a white collar crime and it was a lot dangerous.

This means that if the thieves wanted to steal your identity they would just kill you for it and just assume you identity and walk away. During those days the thieves also used phone scams to know about your personal information. For instance, the identity thief would just phone someone and say they had won a huge prize and that the needed their personal information such as social security number and date of birth to verify their identity. This information was quite sufficient for them to commit crimes and leave you under debts. However with the rise of the internet technology, identity theft has become a more common crime and even easier and safe to perform without being caught.

The quick growth of id theft

History of identity theft had suddenly taken a sharp turn at about the time free exchange of personal and financial information become common by the use of computer and electronic devices. Identity theft is today considered to be one of the fastest growing crimes throughout the world. This rapid growth is mainly because of multiple ways people live their lives and process information.

Although this new technology made it easier for people to communicate with each, secure credit and make purchases globally, it has also made it much easier for your personal information to fall into the hands of identity thieves through online pirating systems which made people release the need to protect privacy against these harsh systems.

How governments responded

It had taken the government organizations a while to catch the potential dangers related to identity theft. Although these organizations were slow in reacting during the past, the course which the history of identity theft has taken is today recognized as ID fraud which is a crime which cannot be overlooked.

There was also law passed out during 1998 in the United States called the Identity Theft and Assumption Act and this legislation offers all the federal agencies like the FBI, US Secret Services, FTC and the US Postal Inspection Services the power to investigate any suspected ID fraud or crime cases. This act had laid the foundation for several more legislations to follow the law.



Sheila

April 4, 2009

Identity Theft Insurance-Just What Is Covered?

Bernz Jayma P. asked:


Many people seeking to avoid the saddening effects of ID theft are in search of ways of minimizing such losses. Apart from enrolling in a credit card protection program, you can opt for identity card insurance, an insurance package tailored to meet the specific needs of potential ID theft victims.

Identity theft insurance, just like any other insurance is meant to cover for costs or losses incurred in the event of you becoming an identity theft victim. With cases on ID theft on the rise, it has become normal if not a prerequisite for one to have identity theft insurance. The many insurance companies marketing this service offer various policies depending on what your specific needs are, or what you risk looing in the event of ID theft.

The amount of coverage given for ID theft protection will largely depend on the type of policy you choose. The amount you will need to contribute will also depend on specific factors which will be inclusive in your policy.

Some companies offering credit service provide these policies as part of their plan or a form of endorsement to other forms of insurance policies. In such occasions the amount charged is often less. You can ask your creditor if such services exist in their products.

The most important thing to know before you take an insurance policy is its terms and conditions. This may be same across many insurance agencies but when it comes to what is covered in your policy, the list may vary sharply across the board.

Most insurers will cover legal costs incurred when you get an advocate to look into your case. Some will compensate for wages lost during the time you will spend dealing with the ID theft case. The loan re-application fees may also be covered by your agent. The mailing charges and other notary fees will also be inclusive in most policies. You may also send while notarizing various important documents to the relevant authorities.

Before going for an ID theft insurance policy, be informed of the above and such factors from the insurance agency in order to ensure the policy you get will provide you the maximum protection available. Identify theft insurance policies are a great way to protect you and your family against the growing threat of identity theft.



Jeffrey

what can happen to an illegal immigrant that has committed petty theft?

Filed under: Law & Ethics — Tags: , , , , — admin @ 4:48 am
afsdafsd a asked:


this situtation is in CA. the charge is petty theft the item was worth only 9 dollars. the person lied to officers and said he was an international student since he had a international ID. what could be the charges vs. him? would he need a lawyer? thank you

Thomas

April 2, 2009

Can you get into Family law with a Felony?

Filed under: Law & Ethics — Tags: , , — admin @ 11:01 pm
greatful RK asked:


I use to be really heavy into drugs and have now turned my life around. I am very intrested in law expectally family law and what to know if having a felony charge on forgery and 2nd degree id theft would not allow me to persue my dream…

Floyd

April 1, 2009

Identity Theft Insurance-Just What Is Covered?

Bernz Jayma P. asked:


Many people seeking to avoid the saddening effects of ID theft are in search of ways of minimizing such losses. Apart from enrolling in a credit card protection program, you can opt for identity card insurance, an insurance package tailored to meet the specific needs of potential ID theft victims.

Identity theft insurance, just like any other insurance is meant to cover for costs or losses incurred in the event of you becoming an identity theft victim. With cases on ID theft on the rise, it has become normal if not a prerequisite for one to have identity theft insurance. The many insurance companies marketing this service offer various policies depending on what your specific needs are, or what you risk looing in the event of ID theft.

The amount of coverage given for ID theft protection will largely depend on the type of policy you choose. The amount you will need to contribute will also depend on specific factors which will be inclusive in your policy.

Some companies offering credit service provide these policies as part of their plan or a form of endorsement to other forms of insurance policies. In such occasions the amount charged is often less. You can ask your creditor if such services exist in their products.

The most important thing to know before you take an insurance policy is its terms and conditions. This may be same across many insurance agencies but when it comes to what is covered in your policy, the list may vary sharply across the board.

Most insurers will cover legal costs incurred when you get an advocate to look into your case. Some will compensate for wages lost during the time you will spend dealing with the ID theft case. The loan re-application fees may also be covered by your agent. The mailing charges and other notary fees will also be inclusive in most policies. You may also send while notarizing various important documents to the relevant authorities.

Before going for an ID theft insurance policy, be informed of the above and such factors from the insurance agency in order to ensure the policy you get will provide you the maximum protection available. Identify theft insurance policies are a great way to protect you and your family against the growing threat of identity theft.



Vincent
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