How To Protect Yourself From Online Identity Theft

Even though it's becoming much harder to steal an identity online, it's critical that you do everything you can to protect yourself from online identity theft. It only has to happen once to totally turn your whole life upside down.

With the new Internet security measures, it's becoming harder to steal an identity. But just one instance of identity theft can wreak havoc on your life as well as your finances. The more you understand how a criminal steals an identity, the better chance you have to protect yourself from online identity theft.

If a crook can get a name, age, sex, mailing address, Social Security number, and driver license number, they can take over an identity to buy products, charge on credit cards and even draw money from bank accounts.

There are a few ways you can reduce your risk and protect yourself from online identity theft by following these identity theft protection tips:

Keep all of your passwords as private as possible. No bank or financial institution will ever email you asking you to log into your account to verify your password with links in the email. This is an online scam that you should be conscious of so you won't become fair game.

Also, you should never store your passwords, Social Security number or account PIN numbers in your computer. If your computer gets a spyware virus the hacker has everything he needs to take over your identity and take all of your money.

Another way to protect yourself from online identity theft is don't use the same password on all of your online accounts. Can you imagine how fast a criminal can wipe you out financially with a password that works on every single account?

Identity theft protection is a very necessary part of any transaction on the Internet. Before you make any purchase online, make certain that the web site you are giving your credit card data to has a secure server.

This is one of the easiest ways to shield yourself from online identity theft. Secure pages begin with https instead of http, and a picture of a small gold lock is displayed in the lower right part of your screen.

To verify the name of the server that appears on the digital certificate, double-click the lock icon, and then check the name that appears next to "Issued to". If the name appearing next to "Issued to" is different from the name of the web site that you are giving your credit card number to, close your browser and leave the site.

In one moment, what took you years to establish financially, could all be wiped out turning your life completely upside down. Common sense and identity theft protection awareness goes a long way in determining if you will become a victim or escape this horrible crime. However basic these tips seem, they do work and offer you a chance to protect yourself from online identity theft.

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Phishing Email Identity Theft Alert

Phishing mails are similar to Spam Mails; however, the modus operandi is different all together. The similarity is that Spam and Phishing Mails are both annoying and hold potential threats of stealing identities. The characteristics of the mails are what separate Phishing and Spam mails.

Phishing is fraudulent mail that attempts to swindle identities, by gaining confidence of the receiver. The "Department of Justice" has put up alerts on such mails that inform the consumers to pay attention to the mails. The mails are sent to nearly every email box in the world, and the soul purpose is to steal. The emails may include luring information however; the information is fraudulent and should be ignored. The sender wants the receivers to respond to the mails and may include links to click where the receiver will provide his/her personal or confidential information. The mail may have information that upsets the reader, thus it is another type of strategy, which the sender utilizes to force the receiver to respond.

The mail may state "your account is being suspended," or it may claim "you have won x amount of cash, please respond now.'

Knowing which company is legit is important and learning how they make offers to consumers is just as important to help you avoid identity theft. Companies that claim you have won prizes will not ask for extensive information, rather they only ask for minimal information. Thus, when you receive Phishing Mails or Spam Mails the sender already has a degree of information on you from random selections, and when you answer the mails, you are only giving the sender the information he/she needs to claim your identity.

Always know your credit card lenders phone numbers and bank numbers, thus when you receive one of these mails call the company immediately at the original phone number and ask if they have sent you mail. Personally, I delete any mail that comes to my box, regardless of who the sender is, unless I know it is from my business or school. As a student, most of my work is done online, thus this too opens doors for perpetrators, since payments to the school are often required at the school. However, I disregard any commands to send payments online and send my payments through postal mail. Still, this is scary.

In the UK, a friend informed me that postal workers are stealing identities and selling the information to thieves so that they can stay in England. I do not know the level of truth in this allegation at this point; however, anything is possible when it comes to identity theft. I am ready to instruct anyone paying bills to pay a low cost for Money Orders and submit your bill payments, since your check has enough information available that anyone can gain control of your accounts.

Thieves come in all forms, including postal workers, utility clerks, court clerks, judges, lawyers, doctors, mothers, fathers, spouses, et cetera. Likewise, victims come in the same form.

Few samples of Phishing Mails include information such as "Closed Account." The email address may appear to come from genuine banks. Recently, phishing mails came from "FDIC" claiming that the account holder's 'account has been frozen." The receiver was asked to click on the link provided in the body of the email and provide pertinent information now. Thus, the email continued to threaten the emotions of the receiver by claiming that the head nacho man has instructed the bank to discontinue any activity by you, under a particular Act.

Few Phishing Mails request the receiver to download attachments with claims to store "Internet Billing Notice" and once the receiver downloads, they find them self in a whirl of problems, since Viruses, Trojans, or other nasty contaminates are attached to the mail. The contaminate in turn redirects to the receivers "email contact list."

EBay is another area where perpetrators frequent and have even put forth the effort to steal identities or gain from the auction provider's clientele. The Internet unfortunately, is the single most dangerous area where identity thieves frequent. Therefore, protect your self by learning more about identity theft and how to protect your self from the crime that is claiming millions of identities each year.

Tony Robinson is an International Author, Webmaster and Security Guru. Check out his Identity Theft Protection Tips at http://www.officialidentitytheft.com/

Electronic Mail Identity Theft

In this article, I will provide examples of fraudulent mails that will help you to protect your self against identity theft. Personally, I delete all mails in my box, unless it is directly sent to me for jobs, since I am a freelance writer. Any other mails are disregarded and deleted immediately without being opened.

Example of an electronic fraudulent mail sent from a bank online: This is merely a sample, redirected, but the information is similar enough that you can learn from it.

Dear customer:

We are sending you this email to inform you that after the bank has reviewed you account, we suspect that someone has gained access to your identity. Thus, the letter may continue claiming that your privacy and security is their first choice to protect you.

The letter may continue stating, for security precautions we have 'limited your account,' until further investigation is completed. Following the message, a short statement will claim that you must click the link below to be redirected to the banking site where you must login to access information for protecting your self against identity theft.

The salutation will state sincerely, your banking 'team.' Apologizes will follow and a statement claiming that the consumer should not reply to the email, since no response is available, thus clicking the link above and logging into the account is encouraged. This is an example of a Phishing Email, which include links to other sites. Few Phishing Emails may not have links. Stay alert if you are reading these emails, since the sender often has grammar errors, such as run-on sentences, or misspelled words.

Spam or Phishing mails are links to identity thieves often. The sender is attempting to trick the receiver into giving out personal information, such as banking routing numbers, bank numbers, PIN and passwords, Social Security Numbers and other valuable information that the perpetrator can use to steal your identity. Thus, the sender is cunning, since the email will often read as follow "yourbankonline" and so on. Thus, the email will appear to come from your bank. Most banks state clearly in their terms and conditions that the bank "will never send" emails requesting 'confidential account or personal information," especially sending links in the body of the mail.

If you believe that you responded to a Phishing Mail or Spam Mail, be sure to contact your account providers immediately, change your passwords and PIN numbers, and monitor your accounts frequently. Do not feel stupid, since we all learn more about identity theft each day, and we are the victims of such thieves, not the perpetrators. You have no reason to feel ashamed, guilty, or stupid. Some of the most educated people in the world has fell into the hands of identity thieves.

Other types of emails that you may want to consider are Spam mails that claim you have won x amount of dollars, please respond now. Other types of trick mail may not be sent with the purpose of stealing your identity. However, the mails open the door to identity theft, and since the company often tries to sell products, thus once they get hold of your information they will sell, rent, lease or give the information to other individuals and/or companies.

Mails, such as you won x amount of dollars, please respond now often come from foreign regions, thus they must be reported as Spam mails immediately. Never respond to electronic mails, unless you know exactly who sent the mail, and if you receive a mail from your credit card providers or bank providers, delete the mail, call your account holders immediately, and ask if any mail was sent to your box. Of course, you will hear the person tell you that mail is never sent online asking for your information, thus, you can alert the bank that someone is attempting to steal your identity.

It is important to report all Spam and Phishing mails by clicking "REPORT SPAM MAIL" at the top of your Email Window in Internet Explorer, AOL, or other service provider. Few people send the mails back to the sender without opening the email. Thus, it is a wise trick that frustrates the sender, which he may stop sending emails to your address after tiring of reading his/her own mail.

Tony Robinson is an International Author, Webmaster and Security Guru. Check out his Identity Theft Protection Tips at http://www.officialidentitytheft.com/

UK Identity Theft

The UK like the United States of America is facing ongoing problems regarding identity theft. New technology enhancement has issued developments, such as PINS and Codes to use credit cards, however, studies are showing that the as technology advances so does criminals. Few credit cards now have chips integrated into the cards to prevent identity theft, however, thieves have developed new strategies that match the developments and it is making it easier for the thieves to steal identities.

In the UK identity theft is an immigration crime-related action verses the purposes that thieves will steal identities in America. The thieves often steal identities because they are illegal residents in the UK and in order to remain in the country a new identity is required. After interviewing a gentleman in England, he claimed that postmasters stole identities sometimes, since the postmaster could make profit by selling the cards to immigrants. With this information in hand, you can see identity theft has many reasons and purposes, thus making it difficult for authorities to understand the crimes.

In the year of 2004, over eleven million victims lost their identities to theft, thus this figure does not include the number of victims in the UK and other countries. In comparison to the early 90's the number of identity theft has increased enormously, and the reason that the numbers escalate is that policyholders are unwilling to make the necessary changes to protect identity as reason of money and credit. Thus, the policyholders are not the only sources responsible for the ongoing crime of identity theft. While policyholders are more concern about making profit, they do consider risks to a large degree since victims of identity theft reach the policyholders and extend throughout the world.

Unfortunately, a victim of any crime often is treated far worse than criminals are treated, thus criminals often have more rights than the victims. The problem is due to the Criminal Justice System who is in constant study of resolving problems, and under the control of various sources, thus restricting their ability to change laws at a giving time.

In order for the crimes to fall in place, as they should, rather in order for the law to work harder than they do, citizens of the world must make a stand and fight by protesting the laws. Each person that makes a stand adds to the changes in our system. While studying the Criminal Justice System I found that these sources are one of the most flawed areas of help in our system. If we want to stop identity theft, thus we as the people need to rise and protest to State Representatives, Congress, Governors, and other leaders in the world. Once you start the protesting you should never cease, since the only way we can have better laws is if we all work together to make the laws work.

The truth is the government allows particular developments and dismisses to the public developments that will protect them from identity theft. When a person becomes a victim of identity theft, it is a long-lasting victimization, since the law rarely cares about the individual that lost his/her identity, rather they are more concerned about the large companies losing money because of the crime. The law claims to be working hard to resolve the problems, but if you ever have been a victim of identity theft you know this is an outright lie.

In the UK, it is said that the people do not have a right to obtain copies of their credit reports and in the US; people are allowed one free copy per year of their reports unless they apply for credit and are denied. Thus, this means that anyone offering financial agreements or extending credit have the right to our reports more so than we do. Is this fair? No. simply put the laws are backwards and will continue to be backwards until stands are made that forces them to act according to their pay. We as the taxpayers are victims of policyholders, law, government and so forth. Thus, identity thefts are a minor problem compared to the bigger problems we have in the world.

Tony Robinson is an International Author, Webmaster and Security Guru. Check out his Identity Theft Protection Tips at http://www.officialidentitytheft.com/

Protect Yourself From Identity Theft.

There are so many ways that your identity can be stolen. It's such a shame that people take something as valuable as the internet and steal from you, but it happens. When it does, they can go on a spending spree that can ruin you financially. It's a dangerous game for them, and for you it's dangerous... but no game. It happens a lot but in this article we'll show you some strategies so that it doesn't happen to you.

Here are proactive strategies to keep it from happening. Here are some ways to help you fight identity theft and avoid having someone else ruin your good credit rating and keep you from getting the loan or mortgage you want to get.

Be careful how much information you give out over the Internet.

Never put your credit card number into an e-mail.

If you do make purchases online only use sites that offer a high level of encryption and only use one credit card for all of your Internet purchases and make sure that credit card has a low limit. If you do that, no one will be able to ruin your credit rating even if they max out your credit card because the limit is so low!

You should also be shredding all of your outgoing mail. A lot of your information is already on your garbage and all the thieves have to do is pick through your garbage and learn about you.

Make sure that your mailbox is safe. You may have to rent a mailbox if you live in an area where it is not secure and private.

Get a credit check done regularly to see if someone is ruining your credit rating. A credit report will tell you how many credit inquiries have been made and if you see any on there that you did not approve of, you should contact the credit bureau immediately.

Why this talk about identity theft on a site about loans? Because if someone steals your identity they can get loans based on your credit rating and they will disappear with the goods while you get stuck with a bad credit report.

Tim Renolds is the owner of Homeowner Loans providing Uk homeowners with a free loan quote service. Visit us today for a free no obligation quote

Detect Key Logger, Identity Theft Spyware

To detect key logger spyware, you need to know what it is and how it works. Key logger is an invisible software program that identity thieves can use to track your online activity.

It is almost impossible to detect key logger on your computer and even if you're careful you'll never know if it is recording information such as bank account passwords and credit card numbers.

You won't even see your machine slow down or see anything unusual. It just silently watches every keystroke you type in as if the identity thieves were standing over your shoulder.

At least on third of all online scams can now be traced to keylogging. If you type key logger into any Internet search engine you can find several perfectly legal ways to buy and install it.

Several businesses use key logger software to monitor employee activity and parents can use keylogging to check up on the web sites their children are visiting. But in the hands of a hacker wanting to steal your financial information, key loggers are extremely dangerous.

Attackers who use key logger spyware often sell the information to third parties who can funnel money out of bank accounts or charge up credit cards. Hackers who use keylogging to get into one computer at a company have the ability to steal vital information from the entire organization.

The best rule of thumb is to carefully monitor what you download on your computer and what sites you visit. The major sites of banks and retailers are usually relatively safe. But be aware of downloading free software from an unfamiliar site that could leave you vulnerable to a potential hacker.

Here are a few tips to protect you against keylogging:

* Never open spam e-mail.
* Do not open e-mail attachments from someone you don't know.
* Do not click ok on pop-up windows without reading them first.
* Use a firewall to help prevent any unauthorized computer activity.
* Run a weekly, full system anti-virus computer scan.

Computer experts say the number of keylogging crimes is on the rise but there are ways to protect yourself . Detecting key logger spyware and destroying it can be done by installing spyware protection software.

Becoming aware of the different ways that you can avoid this from happening to you is the first step to protecting yourself.

This article is provided by http://www.spyware-information.com where you will find free spyware cleaners, downloads, removal software, computer firewalls and valuable tips. For regularly updated articles about adware, spyware and protection from identity theft go to http://spyware-information.com/articles_1.html

Identity Theft OR Will The REAL Me Please Stand Up!

There is a new thief on the block. An identity thief and YOU are at risk!
There is a new thief on the block. An identity thief and YOU are at risk!

Identity Theft is the fastest growing crime today and is effecting approximately 900,000 NEW victims each year!

Everyday transactions such as writing a check, using your cell phone, making a charge purchase, applying for a credit card, mailing your tax returns, even simply placing your outgoing mail in your mail box may put you at risk.

Shopping Online (e-commerce) has enabled consumers to purchase almost any product online, from clothing to groceries, vehicles to home loans and anywhere in between. All with the click of the mouse!

These and other transactions require you to share personal information-credit and bank account numbers, your social security number, birth date, your income, name, address and telephone number.

The identity theft takes some piece of your information and then co-opts (shares) the information while pretending to be you and uses it to commit fraud or theft. Such as using your personal information to obtain credit, merchandise, services or even criminal action in your name.

You, in return, are left with your good name and credit ruined and with the complicated and time consuming task of regaining your identity and restoring your credit.

Can identity theft be completely preventedNo, but there are steps/ways you can take to minimize your risk by managing your personal information better.

Ways An Identity Thief Uses Your Information:

The identity thief calls your credit card issuer, posing as you, gives a change of address for your credit card account. Then the identity thief uses your card information to run up charges on your account.

Since your statement (and the merchandise) is going to a new address, you don't realize right away there is a problem.

Using your name, birth date and social security number, the identity thief can open new credit card accounts in your name, never pay the bills and the delinquent account is reported in your name and becomes part of your credit report.

Identity thieves have also been know to open a bank account in your name, write bad checks on the account and leave you facing the consequences.

Another area of identity theft is using counterfeit checks and/or debit cards and steal the money from your bank account.

Still another area of identity theft is establishing cellular phone service in your name. The identity thief can even buy vehicles by using your name and taking out a vehicle loan.

Steps To Help You Decrease Your Risk Of Identity Theft:

1. Protect your Social Security Number.

Don't carry your Social Security card with you or in your wallet. Leave your drivers license, social security and home telephone numbers off your personal checks.

2. Shop Online at Secure Web Sites.

Always make sure you are dealing with a secure web site. Look for https:// displayed in your web address bar located near the top of your screen. The "s" after "http" stands for "secure". https://

3. Destroy information and papers you throw away.

Shred (crosscut shredders are best) bank information, credit card information, offers for credit and payments made with receipts given.

4. Know your credit accounts billing cycles.

In case your bills are late coming in, you can call the company and request a duplicate copy. This will help you see right away if there is a problem on your account.

5. Check your credit report.

Once a year check your credit report with the three major credit reporting agencies. Don't overlook the "Inquiries" section of the report. This will give you an overview of creditors, accounts and inquiries made on your report.

Even though you can't totally prevent identity theft from occurring, following these few steps and tips will help you lower your risk. When the time (credit report) comes.... The Real You IS Standing Up!

Livvie Matthews, Internet Business Specialist, Consultant and Author helps people interested in creating information products, niche marketing and building relationships while building their business! Visit http://www.simplebizpublications.com and Market Your Goldmine! Simple Biz Ezine subscribe mailto:subscribe@simplebizpublications.com Receive a Free e-mail course.