Identity theft continues to grow as a big problem all around the world. From Frankfurt to Toronto and from Nairobi to Sydney, consumers the world over are finding that their very identity are being stolen and reused. Billions upon billions of dollars are lost every year because of thieves, even entire rings of crooks, who get a hold of your personal information and use it to their advantage. You can avoid identity theft and ensure that your information stays hidden from intruders if you follow all of the steps outlined as follows:
Secure Web Sites: Although many folks believe that the internet is a big identity theft pool, it really isn't. Yes, if you answer one of those ?phishing? emails you could be snagged. However, most shopping online is done through secure web sites, making it virtually impossible for thieves to steal your personal information.
ATMs: Be careful around ATMs as someone can easily walk up behind you and take a picture of your transaction with their camera phone and steal away your personal i.d. number. Never write or leave your P.I.N. on any place that a thief could find it, such as on the back of your card.
Dumpster Divers: If you don't shred stuff, then you could find that people who love to jump into dumpsters to retrieve personal information may get a hold of your valuable information. Always shred anything that you don't want anyone else to read or misuse later!
Social Security Cards: Do you carry your social security card with you? If so, you could be in trouble later if your wallet is stolen. Once a thief gets a hold of your social security number, then you could find that loans have been taken out in your name, accounts opened, and savings accounts depleted. Never give your social security number out to anyone especially over the phone!
Check Your Mail: Letting mail build up for several days can be a sure sign to a savvy crook that you are away. Guess who wants to grab your mail and fill out all of those credit card offers? Crooks do! If you are away, ask a trusted friend or neighbor to take your mail or contact the post office and ask them to hold it for you.
You can stop identity theft, but you must be on top of things. Pull copies of your credit reports too to learn if any information contained therein is false as it could be a sign that someone is up to much mischief.
To Avoid Identity Theft
What is rampant, spreading like wildfire and can kill life as you know it? No, not a deadly virus (but close). Answer: Identity theft. My stepson, Aaron, was a victim of identity theft recently. Someone stole his bank cards, deposited fake checks into his account, then withdrew cash. The deposited fraudulent checks and overdraft charges hurt his credit, and he's slowly recovering and rebuilding his score.
Tips to avoid identity theft:
1.Buy a shredder. Aggressively protect your social security, credit card or bank numbers.
2.Use a lock-in mailbox. This isn't 100% safe, but it's much safer than one without a lock.
3. Protect your out-going mail. Get it into the box or the hands of a postal clerk. Heavily trafficked offices often have out-going mail in the entryway. While this may save time, it's not safe.
4.Keep receipts and compare to your statements when they come once a month. Banks make mistakes all the time.
5.Keep financial documents under lock and key (at the bank or in a home safe).
6.Don't give out your social security card?ever.
7.Know what's in your wallet. Do you know how many credit cards are in your wallet?
8.Don't discuss detailed financial information on a cordless or cell phone. That information can be intercepted.
9.Monitor your credit reports. You can sign up for a monitoring service or do it yourself periodically. Your credit is one of your assets, so protect it.
If someone steals your credit card information, get help from these reputable resources?
Federal Trade Commission www.consumer.gov/idtheft or 877-382-4357
Identity Theft Resource Center at www.idtheftcenter.org 858-693-7935
Privacy Rights Clearinghouse www.privacyrights.org or 619-298-3396
Both Adam J. Heist & Drew Miles are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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Drew Miles has sinced written about articles on various topics from Free Credit Report Score, Personal Finance and Free Credit Report Score. During my years of law school, I completed an internship with a New York Supreme Court Justice and second legal internship with a law firm and also began investing in real estate. Immediately upon graduating law school and passing the bar exam, I opened m. Drew Miles's top article generates over 49500 views. Bookmark Drew Miles to your Favourites.
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