Identity Theft is All Too Common

By: Ronnica Rothe

Everyday you here stories on the news about different types of schemes. You may even think that you are too smart to fall for them. However, there are steps you should be taking to help you avoid identity theft and detect it if it happens.

There are few _a that you may be vulnerable to. One is fraudulent credit card charges. Chances are, you would noticed if a wrong charge appeared on your account for hundreds of dollars. These types of false charges are easy to find.

That's why identity thieves have taken to trickier methods. Rather than use your credit card number for large purchases, they create their own company and charge your credit card for a small amount, sometimes even under $10. By doing this with all the credit card numbers they have, they can still steal lots of money but at a much lower risk. They are taking a risk that you will never notice the charge at all, since it would not stand out among your regular purchases.

To detect this type of identity theft, go over your credit card statements item by item. Instead of assuming an unknown charge was a legitimately charged by your spouse or one that you forgot that you made, check it out. If the identity thief sees that they got away with the illegitimate charge, they will do it again.

Another lesser known type of is health insurance fraud. It's bad enough for someone to steal your health insurance information causing your headaches in trying to get it straight, but it is possible for their health history to get attached to your medical records. This can be life-threatening since doctor's use your medical history to determine how to treat you. Make sure that you take all necessary precautions to prevent your health insurance information from falling into the wrong hands.

Both of these types of frauds can cause you problems. Make sure you are taking the right steps to prevent your information from being used against you.

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