Identity Theft Victims Persecuted

When a person becomes victim of identity theft the law, the thief, creditors and others often persecute them throughout the battle to restore their identity. Thus, in this article I am providing you legal advice, inform you of your rights and help you to battle the fight of identity theft and get results. Abroad the World Wide Web is beyond measure of narratives and information. Each year millions of people are affected by identity theft.

If you think that you are not a victim of identity theft, you may want to rethink when I am done writing this article. Each time a person loses his/her identity the prices of gas, food, household goods, materials, and so forth increase. The government claims to spend billions of dollars fighting the crime, thus each year when you pay taxes a few of those dollars giving to the government is paid out to fight identity theft.

Now what do you think? Listen on. Each year MILLIONS of people fall into the hands of identity theft, and none of us can determine if we are the next victim. Each year, we hear reports of bankers giving out personal information to unauthorized individuals and/or companies that potentially put us at risk.

Throughout the world companies, financial services, government, law technology, and many others are fighting identity theft, yet each step they take the predators are one-step ahead.

Criminals come in all forms, including doctors, lawyers, politicians, law, spouses, mothers, fathers, brothers, sisters, sons, daughters, clerks, postmasters, and the list continues. When you send in your monthly bills there is no guarantee that one of the employees as developed an idea to steal your identity. When you give out your information abroad the World Wide Web, there are no guarantees that your identity will not fall into the hands of an identity theft. When you visit stores, gas stations there is no guarantee the clerk, or someone looking over your shoulders will you key in your PIN number will steal your information.

Today, no one is your best friend; rather anyone of us is potentially capable of stealing identities. Sounds dramatic, but the reality exists when you hear reports all over the world that tell you stories about identity theft. During the September 11, ordeal the terrorists stole identities first and used the information to carry out the terrorist act.

In the UK, reports of identity theft occur each day, with some of the perpetrators being postmasters according to few. The postmasters steal information and sell it to immigrants who wish to remain in the country.

Few identity thieves have committed felony crimes and need new identities to cover their tracks. Other identity theft are teenagers peek to levels of curiosity that they learn how to crack open computers owned by others and steal information. The teenagers may not use the information, while others may. Some of the teenagers carry out the crime out of pure curiosity with no harmful intentions, however it is still a crime committed innocently by the curious minds.

The ultimate thief will steal identities to gain. Many thieves use personal information to open accounts, apply for credit cards, mortgages, and other lines of credits. The thieves will use the personal information to live a productive lifestyle while the victim fights effortlessly to regain back his/her name. The thief will think nothing about what the victim goes through and may even laugh when news reports tell stories about how hard people are struggling to restore their lives. Thus, these are the worst types of criminals, since not only are they capable of committing identity theft, they are capable of committing murder.

Identity thieves have also killed to use someone else's information, therefore, keep in mind that anyone can be your worst nightmare. Finally, protect your self with all measures to prevent identity theft. The fight should include suspicious thinking when someone asks you for your confidential information and never giving your information out over the net.

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

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 Scams

Identity Theft scams continue to flourish on the web. One that you need to be aware of and beware of is any site that seems to be selling high-demand items (digital cameras for instance) at a much lower (almost unbelievable) price than you can find on other sites or the manufacturers site.

Often the victims are told to pay nothing until they receive the merchandise. The person behind the scam uses the victims name and a credit card number belonging to another person to purchase the item at a legitimate site.

Once the item is shipped, the victim then authorizes his credit card to be billed or sends payment directly to the scammer. The scammer has now put you in the position of being in receipt of stolen merchandise while they get away with your money.

Another scam that still seems to be working is being contacted through e-mail by someone claiming to be from your credit card company, your internet service provider, Paypal, or Ebay.

The scammer will send a message stating that your account information needs to be verified because their files were hacked into, their database crashed or they believe that someone has tried to steal your account information and they want to verify your information in order to protect your account. The con artist then uses the information supplied to verify your account to run up fraudulent charges.

NEVER give personal information to a company, such as AOL or Ebay, that already has it. If you are suspicious about being contacted, contact the company yourself before giving out any personal information.

Get your FREE credit report online now and subscribe to our FREE weekly newsletter TO YOUR CREDIT.

Visit http://www.yourfreecreditreportnow.com for more information.

jimdim815@aol.com

Prevent Identity Theft by Checking Your Credit Report

You may not know it but you are entitled to a free copy ofyour credit report once a year from Equifax, Experian andTrans Union!

These three major credit reporting companies, maintain aprofile of how you pay your bills, what type of mortgageloan you qualify for and whether you've been sued or filedfor bankruptcy.

However, this free credit reporting service is not availablein all areas of the United States yet.

The service has been available in the twelve western UnitedStates since January 1, 2005. It is now available inMidwestern states since March 1, 2005.

On June 1, 2005 the service will be available to individualsin Southern United States and for those in the EasternUnited States starting September 1, 2005.

This service is provided under the Fair and Accurate CreditTransactions Act (FACT).It is in response to the raising number of identity thiefreported in the U.S.

The law lets you see what lenders, prospective employers orprospective landlords see.

An addition goal is to help you spot identity theft byletting you to see a list of all credit accounts open inyour name. For you to view your report regularly may be thebest ways you have to determine how your credit ratingstands and if you have been a victim of identity theft.

You have the ability to request one credit report from eachof the three credit reporting companies once a year.

The best way to make the most of this free credit reportopportunity is by ordering a credit report from one of thethree credit companies every three-four months. In that wayyou can monitor your credit regularly at no cost.

The official website that you can get your credit reportinformation is -- www.annualcreditreport.com.

Once you are at the site, you will able to link to the threecredit companies, Experian, Equifax and TransUnion, specialweb pages to get your credit report.

However, be aware of the advertising on each agency's freecredit report site that may lead you to believe that youmust purchase one or more of there other services, like yourpersonal credit score number, to get your free creditreport.

The Fair and Accurate Credit Transactions Act does notprevent these credit reporting companies from advertisingtheir other services before you are able to get to your freecredit report.

When you are at one of the credit reporting companys sitepages it is not clear that you may get your free creditreport without purchasing any of the companys otherservices.

As you visit the credit reporting companys site you may getthe impression that you must pay to see your credit score(also called a FICO score) before you are able to see yourfree credit report.

This is not the case, your credit score is the numbercalculated on a scale between about 300 and 925. It is usedwhen you're buying a new car, house or other majorpurchases. You'll still have to pay one of the creditcompanies a fee to see that number. This credit score numberis different from the information within your free creditreport.

The official site is separate from the credit reportingcompanies regular sites, where you still must pay to getyour credit information.

In addition, there are a few look-alike sites you mayconfuse with the official free credit report site. Theseother sites may have been setup for outright credit fraud.Be very careful that you are working with the official sitesetup and maintained by Central Source, a joint ventureamong the three credit companies to process these freecredit reports -- www.annualcreditreport.com. If you receivean offer through the mail, via phone call or an email toprovide your credit report for a fee, it is probablyfraudulent.

Here's how to Request your free Credit Report

Online: www.annualcreditreport.com.

Or you can call toll-free: 877-322-8228

Or order by mail:Annual Credit Report Request Service,P.O. Box 105281,Atlanta, GA 30348-5281.

If you request report by mail you must mail in a requestform available on the site of the Federal Trade Commission:

www.ftc.gov/bcp/conline/edcams/credit/docs/factactrequestform.pdf

The reports are sent to you within 15 days.

If you're ordering your report online, it's best to go tothe www.annualcreditreport.com site directly rather than togo through the one of the three credit reporting companyssites. You may get your free report at their sites but youfirst must go through their advertising for monthlycredit-monitoring programs and other services they offer toget your free report.

If you do this inquiry online, be sure to do your inquiryfrom your home computer because you'll need to have certainfinancial information handy to answer security questions.

You'll be asked a series of personal questions to make sureyou are the person that you say you are, including yourbirth date and Social Security number.

Central Source says its security protocols and measuresprotect personal information from unauthorized access orrecord alteration. In addition, your Social Security numberis encrypted for your additional protection.

And you can request that just the last four digits of thatnumber appear on your printed credit report.

As mentioned above, you may request one report from eachcredit company once a year. To get the best use of this freeservice, it's best to request your credit report from onecredit company this month and request your credit reportfrom another credit company about three-four months latter.Then request the third version of your report aboutthree-four months after that.

After you request the credit company that you want toprovide your credit report you'll be redirected to specialsite pages set up by each of the three credit companies.Each will ask you a series of personal questions to validateyour identity; the name of your mortgage lender, the amountof your monthly payment, the amount of your auto loan, etc.

Each of the three has a different look and feel:

~ Experian has a handy summary report that shows the numberof "potentially negative" items in your report and number ofaccounts in good standing.

~ Equifax shows an exhaustive list of accounts, what typethey are, when they were opened, the balance and creditlimit, last payment and account status.

~ TransUnion uses a color-coded series of boxes to showwhich accounts are current and which are overdue.

All three show who else has been looking at your creditreport, credit card companies seeking to approve you for acredit card offer, mortgage brokers, lenders trying todetermine the terms of a loan, or existing creditorsreviewing your account.

You can choose to just look at the information online orprint the complete report. Your credit report may be dozensof pages long to view or print.

All three offer links for disputing credit reportinformation or reporting an error. You'll also get theaddress and sometimes the phone number for each individualcreditor, handy if you need to follow up on an error.

You are also offered the option of submitting a "personalstatement" where you can explain your credit report in yourown words. The statement remains on file for two years.

Your basic credit report is free but as you go about gettingto your credit information, you'll have to contend withmultiple offers for fee-based products and services. You donot have to buy any of them to get your free credit report.The credit companies have loaded their pages with offers formonthly credit-report alerts, credit rankings, homevaluators or credit score.

Summery: Getting Your Credit Report

Free credit reports can be obtained once a year bytelephone, by mail or online from the official site operatedby Central Source for Equifax, Experian and TransUnion.

~ Online: www.annualcreditreport.com

~ Toll-free number: 877.322.8228

~ Mailing address:Annual Credit Report Request Service, P.O. Box 105281,Atlanta, GA 30348-5281.

It will take up to 15 days to process phone and mailrequests.

You do not have to pay anything to get your free creditreport.

However, if you want to get a credit score or other extras,you may be charged a fee.

Additional reports can be obtained anytime directly from thecredit reporting companies at prices ranging from $9 for onereport from one agency to $34.95 for a combined report fromall three.

If you want to receive the reports by mail, you must mail ina request form available on the site of the Federal TradeCommission:www.ftc.gov/bcp/conline/edcams/credit/docs/factactrequestform.pdf

For more information: Check out the FTC's site:www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

You can also make a complaint online at that site address.

Credit Report Tips

You don't have to order all three reports at once. Staggeryour requests so you can view your credit over the year;i.e.: order one report now, the next report in three monthsand the third report in about six months. Then next year youwould be eligible for another free report from the firstcredit company. This currently only applies to those in theWestern and Midwestern U.S. The rest of the county will haveto want until their regional roll-out.

If you are planning a major purchase, you may want to getall three reports at once to make sure there isn't anyinformation that might affect your credit.

Read the report to make sure everything is accurate. Eachagency has an address or number you can call to reporterrors. If you are disputing an item listed, the creditagency is required to investigate. Inaccurate, incomplete orunverifiable information must be removed or corrected,usually within 30 days. For more information oncredit-report disputes, go online to the Federal TradeCommission at www.ftc.gov/credit.

If you have any technical problems, you get kicked off thesite, you never get a report requested by phone or mail, oryou only get one of the three reports you request -- writeto the joint mailing address, Annual Credit Report RequestService, P.O. Box 105281, Atlanta, GA 30348-5281, andexplain the problem.

If you have been the victim of identity theft, you areeligible to get a free credit report from all the agencieseven if you've already received your free annual reportunder the program.

If you have complaints about the program, contact the FTConline at www.ftc.gov/credit then click on "File aComplaint." or you can write to FTC Consumer ResponseCenter, 600 Pennsylvania Ave., NW, Room 130, Washington,D.C. 20580. You can also send a written complaint to theofficial credit-report site at the Atlanta address listedabove.

Steven Presar is a recognized small business technology coach, Internet publisher, author, speaker, and trainer. He provides personal, home, and computer security solutions at www.ProtectionConnect.com. He provides business software reviews at www.OnlineSoftwareGuide.com. In addition, he publishes articles for starting and running a small business at www.Agora-Business-Center.com. Be sure to sign-up for the SOHO newsletter at this site.

WILL THE REAL YOU PLEASE STAND UP? How To Prevent Identity Theft

WILL THE REAL YOU PLEASE STAND UP?
How To Prevent Identity Theft

Every day, nearly 1,400 Americans are victims of identity theft. It can take anywhere from two to four years to straighten out the nightmare, and the average victim will invest approximately 175 hours and over $800 of their own money trying to get their situation resolved. Here are five steps you can take to protect yourself, safeguard your identity, and ensure that your credit remains sound.

1.Guard your Social Security number. If you have the number printed on your checks, cross it off manually and reorder new checks without it. If you have your SSN as your driver?s license number, request a new one with a different number.

2.Check your bank and credit card statements every month for unusual activity. You only have sixty days to report identity theft, or you become liable for the damages yourself.

3.Mail your bills from the Post Office or a public mailbox to deter thieves from stealing your outgoing checks and erasing the ink to use them later.

4.Shred any receipts and documents containing account numbers, policy numbers, or other personal information that could aid a thief in taking your identity. Trash diggers are known to target dumpsters for personal financial information.

5.Opt out of pre-approved credit card offers. You can opt out of receiving these annoying and potentially dangerous offers simply by calling toll-free at 1-888-5-OPT-OUT (1-888-567-8688). You will be mailed a form asking for your Social Security Number, however, in this case, it?s safe to give it to them so they can remove you from their database.

Don't let someone else live a life of leisure at your expense. Taking these simple steps to protect your identity will pay off for you long term by saving you countless hours of time and aggravation trying to restore your credit and your good name.

Monica Ricci has been an organizing specialist since 1999, and her motivational presentations teach effective organizing and simplifying techniques for home and work. She also offers free email tips and ideas on how to make life simpler and more organized. Her topics include clutter control, paper management, time management, organizing space and procrastination.Contact Monica at 770-569-2642 or Monica@CatalystOrganizing.com.