id theft fraud prevention

May 14, 2009

Tips On Protection Against Identity Theft

John Goldman asked:


Protection against id theft has become an important factor where the statistics for identity theft is constantly increasing in the United States. There are some simple steps you can take to prevent someone from stealing you identity and using your personal and financial information for their benefit.

You should know that there are also increasing number of victims of online identity theft. You might have just purchased a single item online but soon found that your credit has been compromised with an unknown person. You might have clicked something or provided your information to a website that was secure to you, but you find that all your financial information, bills and cards have been hacked.

How identity theft occurs

There are several similar identity theft cases being reported. Unfortunately they have also become the most common issue at the internet scene specially when more people opt for purchasing stuffs online. The crime takes place when the cyberspace criminal uses the information of another person and pretends to do things in their name.

This is generally done with your social security number, bank statements, credit cards and other personal information. The most common method of availing this information is by just stealing your wallet or by searching through your trash box for any imprecisely thrown away bank statements or any important document.

Protect yourself from id theft

When you know how these thieves work to steal your information and by what means they can hack your sensitive date can help you stay away from being another victim to the growing theft number. There are some simple ways you can protect yourself against id theft.

Firstly you should protect your social security number. It would be safe if you wish not to carry your social security number in your wallet as having access to this information can let criminals know about your credit history, charge accounts, bank account and utility accounts. When someone else gets hold of this information they can even open new accounts of credit or just obtain a new driver’s license in your name. Therefore you should prevent giving your social security number to those who feel dubious to you.

The other best way is to fight back phishing. This is the act of sending emails where criminals pretend to be from a legitimate company or enterprise in order to phish your private information which can be used for any cases in identity theft. These emails can actually lead you to some fake websites which ask for private information such as credit card information and passwords.

Make sure you ignore these emails and do not offer any information. Apart from this protect your personal computer from any virus or spyware attack. You should also use strong and difficult passwords for your email and all the other online accounts. You can use spyware protection, firewalls and virus protection software to keep your computer safe. In case you feel being phished or scammed and are suspicious about being a victim it is often recommended you instantly report to the officials like the social security fraud hotline.



Victor

April 12, 2009

Call The Identity Theft Hotline Incase Of Assistance

John Goldman asked:


Identity theft has become very common throughout the world and specially in United States where the ID thieves take advantage of the daily opportunities to find your personal information to be used in their benefit either to commit crime or for funds. It is quite easy for the thieves to steal your identity and you might not even know that you are a victim until you find your accounts being hacked.

The thieves would just slip off your wallet or search in your trash bin to find any credit card or banks statements or your social security number. Additionally it can actually get really difficult for you to fix up your credit and restore everything back to normal.

Using id theft hotline number

Despite this the good news is that the victims of id theft have more and easily accessible options than before in protecting and reporting identity theft. According to the FTC or Federal Trade Commission there are 4 crucial actions that you must take in order to minimize credit damages being caused due to id theft.

Firstly you should contact any of the 3 major credit bureaus through their hotline number or through email. This can get you to speak to their identity fraud department and can also request them to place a fraud alert on your credit report. After the credit bureau confirms the fraud alert the remaining two agencies would automatically place alerts instantly. When there is a fraud alert placed on your credit report the creditors will have to contact you before they can open any new account under your name or change any detains of the previous accounts. This is all possible through the identity theft hotline number.

It is important that you check your credit report every year to find out if there are any errors in the report. In case you find any errors or a suspicious activity then immediately contact the creditors through their hotline number so that they become aware about the unauthorized activity in your account. This can include informing authorities of your bank accounts, loan lenders, credit card companies, phone companies, utilities and even internet service provider. You must also contact the fraud department of the company by phone so that proper action is taken.

In case you find that thieves are running bad checks by your name then immediately close the account and inform your bank. In case you are not sure about their hotline number then visit their online website for details.

Most of the people are actually not aware about identity theft hotline numbers which is important in case of emergency. This means that if you have lost your wallet then you will instantly want to place fraud alerts on your credit cards and bank accounts. Therefore the best and the fastest method would be thorough phone. In case you are not aware about the id theft hotline numbers then you can visit the official FTC website to find contact number of all the major credit reporting agencies including banks.



Ruth

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
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