Identity Theft Safety First

To avoid becoming the next victim of identity theft you must place safety first. Identity theft is one of the leading crimes today that is claiming the control of millions of people and costing us a fortune to recover from the crime. You heard me right; it is costing us a fortune, since we make of the loss of identity theft by paying higher costs for foods, gas, products, and so forth. When a person loses their identity, they become a long-living victim, since the victim pays for the crime that the thief acted upon.

It is unfortunate that we are in a world were the victim often pays more than the criminal for a crime, thus putting safety first is the only way we can protect our self from the criminals and the enforcers that force the victims to pay.

Crime in itself is constant, thus identity crime, is when a person takes hold of another person's information and utilizes it to make purchases, open accounts, escape crimes, commit additional crimes, and so forth. When a person gains hold of your identity it is an ongoing process to gain control of your life. Unfortunately, few states offer identity theft victims the ability to FREEZE the credit reports, and when I say unfortunately...I mean that not all states have this law available. Freezing the credit reports is the best way to protect your identity further, since if you are allowed to Freeze the accounts, only you will have access to those reports. Some states place a Fraud Alert on the credit reports, which provides no protection to you, and it makes you look bad.

If you are victim of identity theft, learn the steps to take to prevent ongoing activity. The first step is to contact the authorities and provide them all information available to you about the crime. Next, you will need to go online and report the crime to the government. The Federal Trade Commission has a site online that enables you to file a complaint, which the information is handed over to the FBI and government officials, who have put up an identity theft team force to find the perpetrators. The act of filing the complaint is essential, since the FBI and government can reach further to find the perpetrator over the local authorities. A victim of identity theft should also request copies of their credit reports and alert the companies that they were robbed of their identity. The person should also close any accounts in their names and immediately contact their credit card providers, letting them know they are a victim of identity theft.

To protect your self from identity theft it is important to learn the steps to protect yourself. Companies' offline and online have a legal obligation to you, to keep information giving to them private from other companies' and individuals, however, there are companies' offline and online they disregard the law and will sell, lease or give your information to other companies or individuals. It makes sense to conduct a background check on any service provider or company to make sure that the source is reputable. If you are making purchases offline at department stores make sure, the company has a good reputation.

Recently, a store opened in our area that offered equipment and services to the community, however, the person was not a reputable source, and thus anyone giving their information to this person was at risk. As you can see, anyone can be the perpetrator of identity theft. Although, no one was affected by this person symptoms were available that did hold potential risks.

Nowadays, we cannot trust anyone with our personal information. Putting safety first can prevent thieves from taking control of our lives. Thus, do not give your social security number or other information over the phone lines, unless you know for sure who these people are. Even then, you should use caution, since cellular phones and cordless phone lines can produce leakages, especially if the neighboring area has Scanners or other devices that make it possible to listen in to conversations conducting over the phone.

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

Identity Theft Crimes

The cost of identity theft crimes is ranging in the billions, since everyday someone is robbed of their identity. The FBI, Police Departments around the world, Government and other teams are joining to fight the ongoing crime of identity theft, however, the stronger the fight the more these groups of authorities fall behind.

Down through the centuries criminals have always managed to stay one-step ahead of the authorities. Today, these criminals are taking advantage of technology development and moving even two-steps ahead. Identity theft is one of the leading crimes around the globe and the more authorities battle the crime, the more identity thefts move in to take away someone else's life.

When a person is robbed of their identity is a long, hard fight to restore the life, yet in some cases, the person never receives their identity back. When a person does receive their identity back, it leaves a void in their life. During the battle to recover your identity, you will feel angry, frustrated, hopeless, stressed, and so forth and you will feel like you are left alone in life. You are not alone since thousands of others are also victims of identity theft, thus the only partners you have are those battling with you. The authorities work to fight identity theft, however little movement is made to progress toward apprehension, since most criminals are far too intelligent to get ahead of. Criminals outside of the Internet are likely to be caught sooner than those that steals identities over the World Wide Net. Thus, the World Wide Net is less guarded by authorities than many believe; therefore, the criminals are less apt to be apprehended.

If you are not an identity theft victim yet, make sure you do everything you can to guard your self from becoming the next victim. As a victim myself, I have fought more than seven years with little result and the perpetrator in one instance was never caught.

If you become a victim of identity, theft, be prepared to battle throughout the rest of your lifetime. Be sure to contact the three B's right away and let them know that you believe that your identity was stolen. The Credit Bureaus will put up a Fraud Alert once they are notified, thus you will need to step up when this alert is activated and ask them to FREEZE your accounts. Freezing the accounts will provide you hope whereas fraud alerts will only add to the distress you are already feeling from the crime. Fraud alerts only alert the creditors that someone has possibly tampered with your account, while a Freeze on your account will enforce the creditors to look more into your situation if you apply for credit in the future.

Once you have alerted the credit bureaus that you are possibly a victim of identity theft, make sure you close any accounts that the theft may possibly have access to...bank accounts, credit card accounts, department cards; et cetera should all be closed immediately. If you notice any bills on your credit cards, checking accounts of other accounts notify the provider and dispute the charges immediately. Delaying to take action will only worsen the situation.

It is important to keep guard over your checking accounts, saving accounts, credit cards and other accounts at all times to make sure no activity is in movement that you have not issued. Keep all PIN numbers, ID numbers, Social Security Card and other information in a secure area and do not allow anyone access to those numbers unless you have no doubt in your mind you can trust the source.

After my identity was stolen, I lost self-respect, confidence and felt that my privacy was non-existing. In fact, it affected me so dramatically that my body alone felt completely violated. Identity theft crimes are one of the worst crimes that could be committed against another individual. In fact, as a victim of rape and a victim of identity theft, I preferred to have been raped again rather than lost my identity. I compared the two, since it will give you an insight of what to prepare for if someone steals you identity.

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

9 Sensible Steps To Prevent Identity Theft BEFORE It Happens

Unfortunately, identity theft has become the crime of the new millenium. Though credit card companies and various agencies work to prevent it, it is, ultimately, the responsibility of each individual to take their own precautionary measures against this crime.

Fortunately, there are some simple steps that can be taken, even today, to protect ourselves and, better still, prevent a theft from taking place at all. Below are 11 recommended steps that anyone can take, today, to prevent this from happening or to lessen the effects if it has already happened.

At the end of this article is a list of telephone numbers EVERYONE should keep on file.

PREVENTION 1. When ordering checks never put your full name on them, only your first initial and last name. If your checkbook is stolen the thief will not know how you sign your checks. But, because your bank keeps a copy of your signature on file, it will and can stop the payment of checks with forged signatures.

2. When you are writing checks to pay on your credit card accounts, DO NOT put the whole account number on the "For" line. Your check passes through many hands, both at the credit card company and at the bank, anyone of which has access to all the information on your check, as well as your credit card number. Instead, put only the last four digits of the account number, which is sufficient for the credit card company to identify your account.

3. Put your WORK phone number on your checks instead of your home phone number. And, if you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. In this way, a thief cannot gain access to other accounts you have, some of which use the the name-address-telephone number combination for verification.

4. NEVER pre-print your social security or driver's license numbers on your checks. You can add it, if necessary. But if you have it printed, anyone can get it.

5. Do NOT sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED" in the signature area or just leave it blank. To be really dilligent, while paying, if the clerk does not ask for a photo ID, make mention of this and insist on showing it. It will teach them to be more dilligent as well.

6. Be dilligent. In rural areas, one way a thief can steal your identity is through your mail delivery. Though it is a Federal crime to go into someone else's mailbox, even to put something IN it, many mailboxes are left unattended for hours a day after the mail arrives. If you are missing any bills, especially a combination of utility and credit card bills, contact the companies immediately. With this combination thieves have been known to put in a "change of address" as they pay the minimum on a bill, then call and have a new card issued with the new address, even a new name on a secondary card. Within a week, the thief may be using your credit card without ANYTHING APPEARING TO HAVE BEEN STOLEN.

7. While traveling abroad, keep a photocopy of your passport with you. If the original is stolen, you can take the copy to the local consul and prevent it from being used again.

8. Photocopy both sides of the entire contents of your wallet, including driver's license, social security card, etc. Keep these copies in a safe place so that, if your wallet is lost or stolen, you have a quick inventory of what was in it. Write the contact information for each company/agency with this copy-- the sooner you can report the theft, the better. Having the combination of your SSN and Driv Lic, as well as your credit card information and address, thieves can do more than simply make purchases. They can also get MORE credit cards, made out in their own name, make major purchases, such as vehicles, even apply for bank loans-- all in your name. Remember, time is of the essence.

9. Even online identities must be protected, especially email addresses related to individual websites. Spammers use robots to comb the internet for email addresses like these, then insert your email address in the "from" section of their Spam, thus avoiding detection or causing the complaints to be reverted to you. Scammers use this information as the contact email for disreputable sales, such as in auction sites like eBay. There are simple, free programs available (such as the scrambler at acme-web-design.info) that will scramble the email addresses on websites.

PROTECTION, POST THREAT If or when your credit cards or checkbook are lost or stolen there are still several steps you can take to lessen the severity of the theft. Most of all, the faster you act, the less you will suffer. Identity thieves know they are working against the clock and will dump your information as soon as they sense that the theft has been detected. If you're very dilligent, you may escape with little or no damage.

1. Call the 3 national credit reporting organizations (these telephone numbers are listed below) immediately to place a fraud alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit or charges.

2. File a police report immediately within the jurisdiction where your wallet stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one).

3. Alert the credit card companies and your bank personally.

4. Sign Up with a reputable identity theft prevention service. Don't assume you are part of one just because your credit card company has some protection available. This only protects your account with THEM. These companies will collect all the necessary information from you and, with one call, most or all of the steps, above, will be handled by them.

Below are the contact numbers you need When your wallet has been stolen. The first three are the major credit agencies, and the fourth is the fraud line at the Social Security Administration. A driver's license or passport will be reported when the police are notified.

1. Equifax: 1-800-525-6285
2. Experian (formerly TRW): 1-888-397-3742
3. Trans Union: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271

Though Identity theft is one of the worst crimes of our time, these simple steps and pre-cautions can save the average consumer months, if not years, of grief and very real damage to their financial status. No one is safe.--mo

 

Marige O'Brien works as a writer, web designer and Internet Marketer.
Visit her Website, Tracker Mo's Den.??For other solutions to identity theft, visit Pre-Paid Legal Services, Inc., which offers Identity Theft Shield.

Fighting Identity Theft

Chances are good that you know someone who has been victimized by the fastest growing crime - identity theft. The Federal Trade Commission (FTC) reported that there were 10 million cases of identity theft in 2002 alone. Its estimated that someones identity is stolen every 79 seconds.

The bad news is with increasing amounts of personal information available to an experienced identity thief, it shows few signs of slowing down. The good news is that identity fraud is now a federal crime with stiff penalties for those who perpetrate these crimes.

Here are a few simple steps you can take now to minimize your risk:

1) Check your credit report annually, if not more often. Most victims of identity theft dont realize theyve been victimized until 14 months after the crime. By then the damage is done and you will spend a significant amount of time and money trying to correct it.

2) Keep your Social Security number private. Do not have it printed on your personal checks or drivers license. Do not share it with anyone, including merchants, unless they can provide a good reason for having it. Once someone has your Social Security number they have the key to unlocking your identity and using it fraudulently.

3) Shred offers for pre-approved credit cards that you receive by mail. Do the same with any receipts that contain account numbers or your Social Security number. Identity thieves are not afraid to go dumpster diving in order to obtain your personal information.

Identity theft has become the fastest growing crime because it is the most profitable crime. On average, the loss from identity theft is about $18,000.00. Taking these precautions now can you save you from becoming another statistic in the fight against identity theft.

© 2004, http://www.yourfreecreditreportnow.com
James H. DimmittJames is editor of "TO YOUR CREDIT", a weekly free newsletter. Subscribe to the newsletter by visiting http://www.yourfreecreditreportnow.com. He is also author of Identity Theft - How to Avoid Becoming the Next Victim! available at http://tinyurl.com/bc45jimdim815@aol.com

Identity Theft - Red Flags That May Indicate You're a Victim

You've heard the "buzz" about identity theft, but what exactly is identity theft? According to Wikipedia, identity theft (or identity fraud) is the deliberate assumption of another person's identity, usually to gain access to their finances or frame them for a crime. "Dumpster diving" (someone going through your trash), "shoulder surfing" (someone watching from a nearby location as you punch in your credit card number or ATM PIN # or eavesdropping as you give your personal information over the phone) and "phishing" (someone sending an email that appears to be from a legitimate business) are only a few ways of obtaining your personal information. Once they have obtained your personal information, identity thieves often change the address on your bills, keeping you unaware that your identity has been stolen unless you are aware of when your bills normally arrive in the mail, keep track of what you charge and check your credit reports annually.

Here are several red flags that indicate you may be a victim of identity theft:

1. You check your credit reports annually and find there are new charge cards showing with companies you don't know.

2. You receive a bill for a credit card account you didn't open.

3. You notice charges on your credit card statement you did not authorize.

4. You haven't received your bills or credit card statements when they normally arrive.

5. Your bank statements show unauthorized transfers or withdrawals.

6. You receive a call from a collection agency about an account you never opened.

7. You receive calls from businesses about merchandise you didn't buy.

8. You're denied credit because debts show up on your credit reports that don't belong to you.

If you notice any of these red flags, don't panic - there may be a logical explanation. But DO follow up on it right away. If it appears you may be a victim of identity theft, go to http://understandingidentitytheft.com/articles/article-67.html for a list of steps you should take immediately to rectify the situation.

Debbie Pettitt is the webmaster of two web sites designed to provide you the latest news and information on identity theft and credit scores. For further information on identity theft, visit http://understandingidentitytheft.com. For information on how to check and/or correct your credit score, go to http://yourcreditscoreranking.com.

Identity Theft Scams Exposed

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Identity Theft Scams Exposed, Part I by James H. Dimmitt

FACT: It takes 14 months, on average, before an Identity theft victim realizes their identity has been stolen.

Therefore its important that you be aware of scam artists and identity thieves who will use any means possible to get your personal information.

One scam that has been circling the internet and unfortunately working is what I like to call the Your Account Needs To Be Verified scam.

This scam begins with you being contacted through your e-mail account by someone claiming to be from your credit card company, your internet service provider, Paypal, eBay, or any other popular internet company.

The scammer sends 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.

Sounds pretty serious doesnt it ? Just the type of e-mail no one likes to receive. And just the type of e-mail that usually gets your attention and makes you respond.

They will ask you to confirm your name, address, and telephone number. Then your account number, user name and password. Sometimes they will ask for your bank account information claiming it is just another part of the verification process. And because you think its from the actual company, you provide all this information easily.

In cases of impersonating your credit card company they will ask you the same information that you provided when you applied for their credit card. Your name, your social security number, your mothers maiden name, etc.

The e-mails you receive can look very convincing, maybe even using that companys logo. The senders address can also look very convincing and may have what appears to be an official company e-mail address such as one of your creditors or AOL.

The reality is its not your credit card company, AOL, Earthlink, PayPal, or Ebay contacting you. Even if the senders address contains part of the company name be very cautious.

Chances are that you are being contacted by a scam artist or identity thief who wants to verify , or more truthfully get, your personal information so that they can then turn around and use this information fraudulently against you.

Once you verify your information with them, the identity thief takes that information to open up new accounts in your name. And remember ...It takes 14 months, on average, before an Identity theft victim realizes their identity has been stolen.

TIP: NEVER give personal information to a company, such as AOL, eBay, or your credit card company that already has it. If you are suspicious about being contacted, contact the company yourself before giving out or verifying any personal information - especially through e-mail.

James Dimmitt is author of "Identity Theft - How To Avoid Becoming the Next Victim!", visit http://tinyrul.com/bc45 for more information