Identity theft - one of the most overhyped fears of our time

A leading identity theft expert used the credit industry?s annual conference to show that the government has massively over-hyped public fear of the extent of identity fraud to sell its Identity Cards Bill.

He also urged the credit industry not to join the bandwagon by selling over-priced prevention products to over-anxious consumers, and to help combat the crime by supporting victims more readily.

Barry Stamp, Joint Managing Director of
checkmyfile.com, presented to leading credit industry figures at the Institute of Credit Management?s National Conference.

He showed how the government?s estimated figure of ?1.72bn worth of losses to the UK economy, caused by identity fraud, has been massively over-inflated. In particular, these include the costs of security checks for routine government functions and losses that reasonably cannot be included within the general understanding of identity fraud.

This has whipped up public fear and in doing so is likely to obtain wider public support for the introduction of identity cards.

?The largest single component of the government?s ?1.72bn estimate is ?504.8m worth of losses relating to plastic card fraud, taken from the figures reported in April 2005 by APACS. Closer examination of the APACS figures show that losses from identity fraud account for just over 7% of overall card fraud, so the true losses are only ?36.9m. This example is one of many that clearly illustrates how the government has used a creative approach to the definition of what is and is not included within identity theft losses,? said Stamp.

?Going on to include the ?62.8m cost of the measures to counter identity fraud when processing passport applications, and another ?34.8m for things like unpaid fines where the offender doesn?t turn up at court are further examples of how the definition has been stretched?.

?In reality, identity fraud is a fast growing crime, but losses in the UK are probably running closer to ?150m at the moment?.

Stamp warned: ?While the risk is real, and consumers need to increase their awareness, there really is no excuse for the government to strike fear of falling victim to identity theft into consumers for political advantage. If the credit industry exploits that fear to promote over-priced identity theft protection products to replace waning income streams from payment protection insurance, then that would be totally unacceptable.?

?If the problem is as large as it is claimed to be, then I would very much like to know why Police resources have not been strengthened to combat the crime. Of the many hundreds of cases of identity theft that checkmyfile.com has reported to the Police, not one has been pursued to court action.?

?Any consideration of the effectiveness of identity cards should also bear in mind the state of some of our existing national databases.? says Stamp. ?In the UK, our government just isn?t very good at collecting personal data or maintaining it, so what reasonable person might assume that the National Identity Register might be any different? In the UK we don?t even have a central point of reference to check whether cards or any other identification documents are lost or stolen, as exists in other countries, nor have I seen any plans to build one.?

Stamp, author of ?Identity Theft, Prevention and Victim Assistance?, and whose company checkmyfile.com provides consumers with access to a wide range of databases, and supplies identity restoration services to a leading insurance company, urged credit managers who attended the ICM National Conference to follow the lead of some lenders who offer free identity theft prevention advice and to work together to combat the crime.

Philip King, the newly appointed Director General of the ICM, fully supports such an industry initiative. He said: ?Credit managers working together have shown in the past that losses from criminal actions, such as mortgage fraud, can be prevented by sharing intelligence. Identity theft presents a very similar challenge to our industry and we now need to focus on addressing the issue professionally?.

Persecuted by Identity Theft

When a person becomes victim of identity theft, they are often persecuted throughout the battle to restore their lives. Identity theft predators are lurking the World Wide Web daily searching for information to steal and these predators will go as far as setting up equipment in their home to hear phone conversations, as well as standing over a person while they type in their PIN name at ATM machines or stores.

Identity thieves do not care that the cost of the crime is placed on the victims head. Identity thieves think of them self when stealing and will go to all lengths to steal information. Cordless phones and cell phones are vulnerable, since with the right scanner installed a person can listen into phone calls in a local area. When a person goes to the ATM or stores to make a purchase thieves will stand over your shoulder watching you as you provide you PIN number to a machine.

Hackers and crackers frequent the World Wide Web, studying the Internet while they following tracks left behind when a person searches web pages. Thieves will study new technology to find leaks in the system to locate information in which they can use to open new accounts, use up credit cards, apply for credit cards, commit additional crimes, lease apartments, and apply for credit and so forth.

Victims' of identity theft have discovered that they were being sued for failure to uphold a lease agreement, or for debts that they did not authorize. Victims' have been accused of crimes they did not commit, and have found them self in bankruptcy when they have never been to court. Victims' have been issued bank drafts when they had sufficient funds in their banking account.

Thieves will drain accounts, file bankruptcy, buy new cars, mortgage a home, or lease an apartment in the victim's name, and when the thief feels nervous, the thief will move on without caring about the damage he or she does to the victim. When delinquencies or judges incur from the thief's actions, thus the victim is the target for persecution.

If you suspect that your identity is stolen it is important to report the crime to the local authorities immediately, or in the area where you suspect your identity was stolen. You will also need to report the crime to the Federal Trade Commission (FTC), and request reports of your credit files. You will also need to alert the credit bureaus that your identity has been stolen. Few states will permit a FREEZE on your accounts, while other states only permit Fraud Alerts. Thus, the states that offer FREEZE should be considered, since if you can get a freeze on your accounts it will prevent the thief from taking further advantage of you. A Fraud Alert merely causes the victim further persecution, since creditors and employers can view the files and will often assume that the alert is risky on the behalf of the victim, thus will often reject the applicant. The FREEZE on your account enables you to choose when to temporary remove a PIN number to permit viewing.

Next, you will need to close all accounts, including bank accounts, credit card accounts and other accounts. If you have pending mortgages and car loans, notify the company and let them know that your identity was stolen. You should also notify your utility providers and phone providers to alert them that your identity was stolen.

After opening new accounts, make sure that you change the PIN and Passwords randomly to prevent the thief from gaining access to your accounts. If the thief has your social security number and driver license number, notify the Secretary of State and Social Security Administration to alert them, and then consider storing your money at home temporarily, since if the thief has this information he can gain access to your new accounts.

Finally, if you become a victim of identity theft continue to monitor all aspects of your life cautiously, and remember you are the victim, thus those persecuting you are the ignorant that have not endured such crime as of yet.

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

Criminal Identity Theft - Don't Let Your Good Name End up in a Criminal Database!

Criminal Identity Theft - don't think it can't happen to you! Stolen identities have ended up in criminal databases. Learn how to protect yourself, and not become a victim.

You're driving on road one night, then you notice there's a police cruiser following close behind you. You figure the cop just wants to pass you, so you move over one lane, except he moves over too and stays on your tail, then you see the flashing red & blue lights then "Woooop!!! wooooop!!!" You must be wondering why you were pulled over. You weren't speeding nor breaking any traffic laws and your tag is not expired. Maybe it's just a burned out taillight. "Sir may I see your driver's license and registration please." Then comes the shocker! "SIR... step out of the vehicle." You get patted down for weapons, drugs, etc.. "You're under arrest for outstanding warrants." On go the handcuffs "Zzzzkkkkkk! Zzzzkkkkkk!" "You have the right to remain silent..." By now, you must be thinking "OH S---!!!". "I've never been arrested in my life!" After you've been booked at the county jail, strip searched, fingerprinted, and maybe spent the weekend in the slammer, you go before the judge only to find out you're free to go, all charges dropped because it turns out you're not the person they were looking for.

Is this a case of mistaken identity, or more likely, a case of STOLEN IDENTITY, or criminal identity fraud. The most common scenario is during a traffic citation or misdemeanor arrest, the imposter fraudulently provides to an officer-of-the-law somebody else's identification, usually always that of a friend or relative, then skip town and simply not pay the fine or fail to make the required court appearance. Unlike financial identity theft, the victim is usually always known to the imposter. The judge will then issue a warrant for his arrest. In many cases, the imposter either stole or fraudulently acquired a phony driver's license or other ID, or simply "borrowed" the victim's name as an alias. The impostor is most often wanted on outstanding warrants for failure to appear. The victim is usually arrested during a routine traffic stop. This type of identity theft commonly occurs where the age and physical appearance of the two are similar. Police are tending to be much more cautious today in order to avoid false arrest lawsuits, but the system has a long way to go. Fortunately, unlike financial, criminal identity fraud is relatively rare.

In a few cases serious offenses such as DUI and felonies were committed in the victim's name and the person's name ends up in the criminal database system. The victim might in for a real shock when he is told he cannot buy a gun because he failed the instant background check, or is one day called into his boss's office, to be informed he is being fired because a criminal record showed up in a routine employee background check. In the end you probably wished this imposter were caught in Saudi Arabia where he would be sentenced to 100 lashes in the public square.

Unfortunately, the criminal justice system does not yet have a decent contingency plan in place to clear an innocent person's name. The burdon of clearing one's name lies mostly with the accused, sometimes with steep attorney's fees.

Procedures to clear your name from criminal databases varies according to state, or even individual counties. Some states already have special procedures in place for victims of criminal identity theft. Ask your state Attorney General's office.

If wrongful criminal offenses are linked to your name, first contact the original arresting police/sheriff's department who originally arrested the impostor, or else the court who issued the arrest warrant and file an impersonation report with them, and confirm your identity. Ask the police department to take your fingerprints, photograph you, and make official copies of your photo IDs, I.e.: driver's license, passport, etc.. To claim your innocence, ask the police to compare your fingerprints and photos with the imposter's.

Maintain a detailed log of all your phone conversions, paperwork, email messages, contacts, etc.. Keep a detailed record of all your expenses incurred. When writing the authorities you should always use certified mail with return receipt. Email is generally not considered secure for sending confidential private information, so it's not recommended if you can avoid it. The rule is never send out something via email that would not want to share with the public. Changing your social security number is rarely recommended as that usually causes more problems than it solves.

If the arrest warrant is from another state or county, ask your local police dept. to forward your impersonation report to the agency of the jurisdiction where the arrest warrant, traffic citation, or criminal conviction originated.

The police/sheriff's dept should recall any arrest warrants and issue you a clearance letter or certificate of release in the event you were arrested and booked. It's essential to keep this document with you at all times in case you might be falsely arrested again. Have official copies made at the courthouse, in case it gets lost. Ask the agency to file the record of the follow-up investigation establishing your innocence at the D.A's office and/or the court in the jurisdiction where the crime occurred. This will result in an amended complaint. Unfortunately once your name ends up in a criminal database, it's difficult to get it completely removed. Ask that the key name or primary name be changed from yours to the imposter's name, or else to "John Doe" if the imposter's true identity is unknown, with your name noted as an alias.

You will also want to clear your name within the court records. Determine which state law(s) will help you with this and how. If your state has no formal procedure for clearing your record, contact the D.A.'s office in the county where the case was originally prosecuted. Ask the D.A.'s office for the appropriate court records needed to clear your name. Unfortunately in some situations, you may have no choice but to hire an attorney to help you clear your good name. You may want to ask your state DMV if your driver's license was used by the imposter. Ask them to flag your files for possible fraud.

Overall, your best defense is prevention. Pick your friends carefully, and safeguard your drivers license, passports or other forms of ID.

Fred Appleyard Jr. - Visit http://www.beyourowndetective.com to learn more about identity fraud and private investigation. Get the latest tools to help you conduct your investigations.

Protect Your Network From Identity Theft Now!

It is deniable that our works and lives are more convenient and easier when using wireless. We can work anywhere and that is why wireless networks are becoming so popular. Especially if you have broadband Internet access, a wireless router can give you instant communication with the world.

Imagine you are sitting by the pool and enjoying chatting through the Internet. Or lounging in the Jacuzzi listening to your MP3 collection is appealing to us all. Unfortunately, many, or even most, wireless units don't come with security features already functioning. This may not seem like a big issue to someone who is simply setting up a home network, but there are a number of potential problems you should consider.

Identity theft seems to be the most serious problem. If your network is unsecured, the personal data on your wireless electronic equipment is also unsecured. The order you just placed for a book at Amazon may have given your contact and payment information to an unscrupulous hacker! Nearly every town in which "WiFi" is common will have "War Drivers" and "War Chalkers" at work. These are people who walk or drive around town with wireless equipment, searching for unsecured networks. The "Chalkers" then live up their name, marking curbs and other public items with chalk so that others can more easily find and exploit your network.

In fact, not all "War Drivers" are hackers, of course. Many just want to use your network for free, but the risk is high if you don't learn how to protect yourself. You can usually find quite a bit of free information as to how to secure your network at the website of your router's manufacturer, or by doing a search in a search engine for a phrase like "secure home wireless."

In addition, there are also your neighbors who may find your network by accident and enjoy nosing into your activities and using your Internet access at will, slowing down your network speed in the process.

Even many businesses use cheap, home-use quality equipment for their company networks. With the poor security often found on small business networks, anyone with a basic knowledge of wireless can access sensitive company and customer data.

It is highly recommended that you hire service companies to secure your network for you, or else you will have to bear with a risk of being exploited. A search of your local yellow pages or an inquiry at your neighborhood computer store should yield professional help and get your private data private again.

George Williams maintains many websites about network security, including Wireless, Wireless Secret ,and Wireless Now

Don't Fall For The Latest Internet Identity Theft Scam

: I use PayPal to accept credit cards for my online collectibles business. I recently received an email that my PayPal account was going to expire in five days if I didn't click a link in the email and give them my PayPal account information. Being naturally paranoid I decided not to give this information and I'm happy to say that my PayPal account did not expire. Was this a scam? -- Brenda A.

A: Be thankful that your paranoia kicked in, Brenda, because you were about to fall victim to the scam of the week, this one aimed at the 35 million merchants and individuals who use Paypal.com as their online payment processor.

The email you received was not from PayPal, but from an Internet bad guy behind a forged email address using the PayPal.com domain. You should understand that no reputable online company will ever ask you to provide your account information. Think about it. They already have this information. Why would they ask you to provide it.

Since I use PayPal for several of my online ventures, I, too, received the email in question. The email first seeks to instill fear in you by saying that your PayPal account will be closed if you do not provide personal information. You are then directed to open an attached executable file and enter your PayPal account information and other personal information that PayPal doesn't even require, including your social security number, checking and savings account information, driver's license number, and other personal information that can be used to clean out your PayPal account and perhaps even steal your identity.

If you're not familiar with PayPal, it is a hugely successful, web-based company (purchased by eBay in 2002) that many online retailers and eBay sellers use to accept electronic payments for everything from newsletter subscriptions to consulting services to just about any product for sale on eBay.

The allure of PayPal is that it does not require the seller to have a bank merchant account through which to process credit cards. Anyone with a verifiable email address and bank account can use PayPal and the service can be implemented almost immediately after registering. When someone places an order on a website that uses PayPal for online payments, that customer is directed to PayPal.com to complete the payment process using a credit card or electronic check. The merchant can transfer the money collected in his PayPal account to his checking account any time he likes. Since many larger merchants make this transfer just once a week or so, their PayPal accounts are ripe for the picking from those who have the cunning and lack of ethics required to gain access.

The shear number of PayPal customers is one reason it has become a popular target of scam artists trying to steal personal information from individuals and businesses alike. Identify theft is on the rise. Thanks to the Internet stealing someone's identity has never been easier. At any given moment, there are any number of Internet thieves using all manner of high tech wizardry to steal personal and business information from unsuspecting souls, and many times they can gain access to this information simply by asking the person to provide it through fraudulent means.

The PayPal scam is just the latest in a long line of sophisticated attempts to steal personal information through online means, Amazon, eBay, Dell Computer, and many others have been the brunt of many such scams in recent years.

Identity theft is what's known as "a knowledge crime," which means that the criminal doesn't have to break into your house to rob you blind. If you have a bank account and a social security number, you are susceptible to identity theft.

While most people are familiar with identity theft, most business men and women never think about it happening to them, at least on a professional level. Consider this: if a criminal can learn your business checking account number or the number of your company credit card, they can steal far more from your business than if they had simply knocked down the door and carted off your desk.

The Internet aside, most business and personal identity theft is still the result of stolen wallets and dumpster diving. You should guard your business records closely and be very careful what you throw away. Stop and think for a moment what a criminal might find in the dumpster behind your office.

There's a good chance that dumpster has, at various times, contained scraps of paper with your social security number, driver's license number, credit card number, old ATM cards, telephone calling cards, and other pieces of vital business information like bank statements, invoices, and purchase orders. A dumpster-diving thief could literally rob your business blind in a matter of hours.

Here are a few ways to protect yourself from business and personal identity theft.

? Never give out your first name, last name, business name, email address, account passwords, credit card numbers, bank account information, PIN number, social security number, or driver's license number.

? Change your online account passwords every 30 days. Believe it or not, a hacker who steals your personal information can guess your online account passwords in about two minutes. If your Charles Schwab online account password is your birthday or the name of your first born or family pet, count on a hacker cracking that code faster than you can say "Bill Gates."

? Never provide personal information in response to an email or telephone call. Just because someone calls and says they are from Dunn & Bradstreet and need to confirm your business information does not mean they are really from Dunn & Bradstreet.

? Never give your business credit card number over the phone to place an order with someone who has called you unsolicited. If you are interested in what they are selling get their number, check out their company, then call them back to place the order.

If you think that you have become the victim of identity theft or think someone is trying to steal your identity or personal information you should report them immediately to the Federal Trade Commission. You will find more information on their website at http://www.consumer.gov/idtheft/. For more information on what to do if identity theft happens to you visit http://www.privacyrights.org/fs/fs17a.htm.

So, if you ever receive an email from PayPal, Amazon, eBay, or any other ecommerce website asking you to update your account information by email you can pretty much bet the farm that it is a scam.

Here's to your success.

Tim Knox, Founder For more information on starting your own online business visit http://www.dropshipwholesale.net, the website for online entrepreneurs.

Tim is written by veteran entrepreneur and syndicated columnist, Tim Knox. Tim Knox is the founder of DropshipWholesale.net, an online

organization dedicated to the success of online and eBay

entrepreneurs. Related Links: http://www.prosperityandprofits.com

http://www.smallbusinessqa.com http://www.dropshipwholesale.net

Identity Theft - Understanding And Preventing The Fastest Growing Crime

Identity theft is a crime that directly affected over 9.9 million people last year. That?s right, the US Postal Service reports that identity theft cost victims over $5 billion just last year (http://www.usps.com/postalinspectors/idthft_ncpw.htm). We all hear about identity theft, but what is it really?

Simply put, identity theft is a crime that occurs when one person uses another person?s identity without that person?s knowledge or authority. Criminals can put a person?s identity to many uses. Some of the most common uses for someone else?s identity are:

Open new credit accounts or loans
Use existing credit accounts
Get a job
Commit a crime

Since each of the activities listed above results in consequences it is vitally important that the right identity be associated with each action. Purchasing on credit requires someone to pay the bills. Receiving income from a job obligates the employee to pay taxes. Committing a crime has penalties for the guilty parties. All of these consequences depend on knowing the identity of the person who is responsible for the action. A criminal can attempt to avoid the consequences of actions by using someone else?s identity.

For example, let?s say that Carl Crook steals the identity of Fred Goodguy. All Carl really needs is some of Fred?s personal information, such as his social security number and his birth date. Carl uses this information to open 2 new credit accounts and goes on a shopping spree. The next month Fred receives 2 very large credit card bills for items he has never seen. After calling the credit card company he realizes his identity has been stolen. Carl has the stuff and Fred is stuck with the bills.

If you find yourself in a similar situation to Fred, don?t worry. With some work you can clear your good name and get your credit back to the way it should be. It?s not painless, but it is possible and there is plenty of help out there. You are not alone. In fact, by quickly reporting problems to your credit card companies, you will not be required to pay for someone else?s misuse of your credit.

Although you can recover from having your identity stolen, it is far better to prevent it from happening in the first place. Knowing what criminals can do with your identity is the first best step to protecting your identity. It doesn?t do much good to try and protect your identity from some unknown threat. A criminal that can assume your identity can open and access credit accounts, bank and investment accounts, and generally pretend to be you in many ways. Most identity theft actions result in costing you money, but not all. Identity thieves can use your medical background as well to disclose personal information or just to get fraudulent medical services or drugs. The list of what crooks can do with your identity is nearly endless. That?s why you need to do all you can to protect your identity.

So, how do you protect yourself from identity theft? There is much you can do. The overriding theme is to prevent any personal information from getting into the wrong hands. Then, check up on the health of your identity periodically to make sure no one else is using it. There are several simple steps to protect your personal information.

Buy a shredder and use it. Never throw away anything with personal information on it without shredding it first. Identity thieves can find a lot of useful information in most peoples? trash cans. Once you throw it away, it is fair game. All a thief has to find is one ?pre-approved? credit card application or an investment statement to make sorting through your garbage worth the effort.
Never carry your Social Security card with you! Your social security number (SSN) provides access to your most private financial information. Don?t take the risk of letting it fall into the wrong hands. Also, make sure no other ID cards or accounts use your SSN as their ID number. Again, your SSN is too valuable to disclose.

Do not leave your mail sitting in your mailbox for long periods of time. That ?pre-approved? credit card offer just sits in your mailbox until you take it out. Do not give crooks extra time to sort through your mail. Likewise, do not send any sensitive mail, such as checks or applications with financial information, from your own mailbox. Raising the red flag on your mailbox alerts everybody that you have outgoing mail, even thieves. Use a secure drop box instead.

Never divulge any personal information to anyone unless you initiated contact and know who you are talking to. Do not give out any information to anyone who calls you.

Do NOT carry passwords or PINs in your wallet (or anywhere on your person). If a thief steals or finds your wallet with your ATM card and your PIN, nothing will stop him from draining your bank account.

Destroy sensitive information when it is no longer needed. Shred all documents that contain personal information instead of storing them for long periods of time. Unless there is a real need for documents, such as tax supporting documents, get rid of old documents.

The preceding list is only a start. But following these simple guidelines will help you avoid becoming an identity theft statistic. In addition to preventative measures, you need to review your credit report at least annually. Each of the three major credit bureaus must provide you with a free credit report each year. They also provide services for additional fees that allow you to access your credit report more often, and even will alert you when others request copies of your credit report. You can contact each bureau for more information:

Experian, PO Box 2002, Allen TX 75013 www.experian.com 888-397-3742

Equifax, PO Box 740241, Atlanta, GA 30348 www.equifax.com 800-685-1111

Trans Union, PO Box 4000, Chester, PA 19016 www.transunion.com 866-887-2673

Michael G. Solomon is a security speaker, consultant and author who specializes in assessing and fixing security vulnerabilities. Michael has written several security certification, security education, and project management books and offers more educational materials at http://www.thesecurityguy.net.

Identity Theft Protection

Protecting your personal and financial information against identity theft is something that everyone should be concerned about. Even though there is no one solution to guarantee your protection against identity theft, there are ways to minimize your risk by wisely managing your personal information.

The most important thing you can do to protect yourself from identity theft is to review your credit report as frequently as possible. You should review your credit report at least once a year. Keeping a watchful eye on your credit report will alert you to any unauthorized accounts or any possible fraudulent activity. Obtaining a copy of your credit report is easy and well worth the little amount of effort it takes to do so. There are even many companies that will provide you with a copy of your credit report for free.

Many of the companies that will provide you with a copy of your credit report free of charge can be found on the Internet. Most of these websites will also provide you with other helpful resources and information relating to protecting your identity and credit.

Other ways to keep your identity safe is to not to reveal any personal information until you find out how it will be used and whether it will be shared with others. This means never giving out personal information over the phone, through the mail, or over the Internet unless you were the one to initiate the transaction.

Putting passwords on your credit card, bank, and phone accounts is another way to protect yourself against identity theft. Avoid using easily available information like your birth date, the last four digits of your Social Security number, your phone number, or your pet's or your mother's maiden name. Sadly, an identity thief may be someone you're acquainted with, like a store clerk who would have personal knowledge of such information.

To protect yourself from having mail stolen that contains important personal or financial information, deposit your outgoing mail in post office collection boxes or at your local post office instead of leaving it in your mailbox for pick up. Promptly remove mail from your mailbox after it has been delivered. If you're planning a vacation, have your mail held at the post office.

It only takes one person to destroy another person?s credit rating. By following these simple tips you can dramatically increase the chances of protecting your identity and your credit. By keeping tabs on your credit report and playing it smart with your personal information you will keep your personal information as safe as possible.This article was written by Beth Pardue who has over 10 years of experience in the financial industry assisting clients with assorted financial needs. To learn more about credit reports and protecting your identity please visit: http://www.credit-report-credit-score.com today!

Useful Suggestions for Protecting Yourself From Identity Theft

It's no surprise that thousands of Americans are victimized by identity theft each year. Last year more than 9,000,000 people were victims of identity theft amounting to some $45 billion dollars.

By the time the average person realizes they have become a victim of identity theft; it is much too late. By this point, the victim's financial stability and credit rating may be impacted significantly.

What can you to to protect yourself from identity theft? Here are some useful suggestions for you...

• Place passwords on your credit card, bank, and phone accounts. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.
• Secure personal information in your home, especially if you have roommates, employ outside help, or are having work done in your home.
• Use a paper shredder to shred sensitive documents before discarding them.
• Ask about information security procedures in your workplace or at businesses, doctor's offices or other institutions that collect your personally identifying information. Find out who has access to your personal information and verify that it is handled securely. Ask about the disposal procedures for those records as well. Find out if your information will be shared with anyone else. If so, ask how your information can be kept confidential.
• Never tell anyone your personal information over the phone or send it through email, or fax. Most legitimate companies will not request this information from you via phone or any other unprotected source.
• Monitor your credit report on a monthly basis to watch for unusual activitiy. Many credit report services will alert you to such activity and even assist you in resolving issues. We have partnered with Equifax to offer you their Credit Watch product.

By following these steps you can lower your risk of becoming an identity theft victim. Being informed is the most valuable protection against identity theft.

Bryan A. Mjaanes is the owner of the successful ReviewCardOffers website - a credit card offer comparison site where you can review more than 130 credit card offers and apply online.

 

Home Loans Identity Theft Protection Could Hurt Home Sales

Identity theft has been a hot topic in the news during the last few years. Just a month or so ago, forty million credit card numbers were compromised due to a computer attack on a credit card processor. Consumers are rightly concerned, as it can take years to unravel the problems created when someones identity is stolen. New legislation in Texas and California, also proposed elsewhere, is designed to protect consumers by letting them put a freeze on their credit reports. Those in the real estate industry are worried, however, that doing so may make it difficult for some people to buy homes.

The concept of freezing credit reports is a simple one. Every time someone applies for credit, the lender contacts on of the three main credit bureaus and requests a copy of his or her credit report, which contains the applicants FICO score. The score, a number ranging from 300 to 850, indicates how worthy the applicant is to qualify for the loan or credit. The new laws allow consumers to freeze their credit reports, effectively blocking any attempts by anyone to view his or her credit score. If the score cant be viewed, then credit cant be issued, thus protecting the consumer from fraudulent activity.

The process is a simple one, and can be initiated or canceled with a simple transaction on the Internet. The problem, according to those in the real estate industry, is that this simple security precaution may make it difficult for a consumer who has blocked their credit to buy a home. In many markets, homes put up for sale sell in a few hours or days, and the process of unfreezing a credit report can take longer than that. If a home seller or lender cannot assess a potential buyers credit rating, then the home sale may be lost to another buyer. True, it is a simple process to unfreeze a credit report, but some consumers may forget that they froze their reports in the first place, or they may forget or misplace their username or password for the Website that allows them to unfreeze their report.

On the surface, the new laws to protect consumers seem to be a good idea, and those in the real estate industry who are concerned may find that their worries are unjustified. This is a case where all parties would benefit from taking the time to see if the laws are effective, and whether or not they actually hurt the real estate industry. In the meantime, anyone considering purchasing a home should be made aware of the ramifications of freezing their credit, as doing so may make it more difficult to purchase the house of his or her dreams.

debt consolidation and credit counseling information and HomeEquityHelp.net, a site devoted to information on mortgages and home equity loans.

Catching Spyware to Avoid Identity Theft

 Arming your computer against spyware is an important move to make to protect your personal security and private information. Statistics on the number of identity theft victims continue to rise as do the number of computers being infected with spyware. Some numbers have shown nine out of ten computers are affected by spyware, many on computer whose users are unaware of the infection. Identity theft and spyware are connected in that spyware has become a common method for intruders to gather your personal information and bank numbers so they can commit identity theft.

Spyware installs itself or comes installed with freeware and shareware programs. Once embedded in your computer it tracks your internet and software usages, records sent and received email and instant messages and logs keystrokes to identify passwords and credit card numbers. The information is sent out to advertisers or other intruders who will use it to bombard your computer with ads or at worst steal and use your accounts.

You will often lose complete control over your computer once spyware has been installed. The spyware can cause browser crashes and other unauthorized changes in your computer. The unwanted pop up ads that result from spyware can cause the computer to work slower and possible destroy some programs from being able to run. Spyware specific tools are needed to rid of and protect against spyware because normal anti-virus software is not designed to detect spyware, as it is unique from viruses. Spyware programs should also be able to detect adware, a similar application that runs on your computer by sending a constant stream of pop ups. Adware can be dangerous to the proper functioning of your computer.

Mitch Johnson is a successful freelance author that writes regularly for http://www.spyware-removal-made-easy.com/, a site that focuses exclusively on spyware removal software, as well as tips on how to prevent spyware from popping up on your computer. This site articles on has spyware guard, http://www.spyware-removal-made-easy.com/spyware_guard.htmas well as spyware scanner, http://www.spyware-removal-made-easy.com/spyware_scanner.htm