Posts tagged ‘prevent’

How to Prevent Identity Theft: Freeze Your Credit Report credit expert, John Ulzheimer discusses the only way to prevent identity theft, when you should freeze your credit report and what that means for you when you need to go and apply for a loan or want to open a new credit account. | FoxBusiness 2.25.14

Identification Theft Prevention | How to Prevent Phishing Scams

Explains how exactly to detect and stop “phishing” cons.

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How to Prevent Cybercrime and Identify Theft

Scores of people become victims of cybercrime on a yearly basis. Learn how to skillfully avoid cybercrime and identification theft these days at DeVry University through our computer system information methods level programs.

What Can You Do to Protect Your Self?

Explains the actions you can take to safeguard yourself from identity theft.

Identification theft is a serious criminal activity. It occurs when your private info is taken and employed without your understanding to dedicate fraudulence or other crimes. Identification theft will set you back money and time. It can destroy your credit and
spoil your good title.
Deter identity thieves by safeguarding your details.
? Shred monetary documents and documents with private information before you decide to discard them.
? Safeguard your personal Security number. Cannot carry your Social Security card within wallet or write your personal safety number on a check. Give it on as long as essential or ask to utilize another identifier.
? Don’t hand out private information regarding the phone, through mail, or higher the net until you
understand who you really are coping with.
? Never select backlinks submitted unsolicited emails;
instead, type in an internet target you know. Utilize fire walls,
anti-spyware, and anti-virus pc software to protect
your house computer system; keep them current.
See to find out more.
? Don’t use an obvious code such as your delivery time,
your mother’s maiden name, or even the final four digits
of your Social safety number.
? Keep your personal information in a protected spot
in the home, particularly if you have actually roommates, use outside help, or are having work carried out in your house.
Reduce the chances of ID theft when you suspect it.
? spot a “Fraud Alert” on your credit history, and review the reports very carefully. The aware informs lenders
to follow specific procedures before they start brand new records in your title or make modifications to your present reports. The three across the country consumer reporting companies have actually toll-free numbers for placing a preliminary 90-day fraud aware; a call to one organization is sufficient:
Equifax: 1-800-525-6285
Experian: 1-888-EXPERIAN (397-3742)
TransUnion: 1-800-680-7289
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How to Prevent Identity Theft From Happening

Identity theft has been the fastest growing crime in the United States for over five years in a row, and it seems to show no signs of letting up whatsoever.  Consumers that are not careful and leave themselves exposed to the threats that can cause identity theft run a high risk of falling victim to a crime that can take several years to recover from.

Many consumers are not aware of how to prevent identity theft.  To ensure that you are taking the proper steps to keep identity theft from happening to you, make sure you safeguard your personal information in the following ways:

Shred All Financial Documents And Other Paperwork That Contains Personal Information

Dumpster diving has become one of the most popular methods of identity theft among criminals, so be sure to use a cross cut shredder to destroy documents properly.

Do Not Provide Personal Information Over The Telephone

Another favorite method of stealing identities that thieves have been utilizing over the past few years is called “vishing”.  Vishing is when someone calls you on the phone, misrepresents themselves as somebody else, and misleads you into providing personal information.

Protect Your Social Security Number

For some reason, Americans often feel the need to carry their social security cards in their purse or wallet.  Not only is this extremely unsafe in regards to an identity theft risk, but it’s simply unnecessary.  Keep your social security card and number stored away in a safe, preferably locked, place.

Never Click Links In Emails Sent By Someone You Don’t Know Well

There are thousands of malicious software programs that have been written over the years in order to hijack personal information from unsuspecting computer users and send the data back to a central location.  Phishing, as this practice is referred to as, has been on the rise over the past decade and criminals seem to get more and more clever when it comes to finding ways to trick consumers into revealing personal information.

Use Strong Passwords

Many consumers are in the habit of using passwords such as dates of birth, mothers maiden name, pet names, and children names for the ability to gain access to email and other other secure websites.  Identity thieves recognize this and are able to figure out these types of passwords easily.

Related Identity Theft Prevention Articles

Top 5 Ways To Prevent Identity Theft

The Internet has changed the way people communicate and access information forever. The way people connect with distant relatives and friends for example, will never be the same. In one click of a button, we can connect to different people regardless of geographic boundaries. The way we do business and transact professionally has drastically evolved as well. People nowadays can avail goods and services and pay merchants electronically.

Because of this, disconnecting from the network can seem like a nonnegotiable thing. For most of us, it may seem like disconnecting from the rest of the world. However, as we become more attached to the World Wide Web, we have become more exposed to data security threats like identity theft. In a time, when the Internet has become an essential tool for most of our tasks, how can we prevent a threat like this from victimizing us? The following will discuss in details what the signs of identity theft are, and how people can practice id theft protection properly.

Protecting Yourself From Identity Theft

Before learning the basics in preventing identity theft, it is crucial to understand first what is identity theft. Identity happens when someone steals other people’s personal information such as credit card account information and social security number. The thief will present him/herself as the victim and use the stolen information for fraudulent purposes.

Considering the still flawed information security systems of the Internet today, you may easily become a victim of these culprits if you’re not careful enough. Thieves nowadays can use advanced tactics to get to you like, computer viruses, phishing attacks, specialized skimming devices and misleading advertisements. Thus, being vigilant and watchful of these signs of identity theft will always provide you with a first line of defense toward id theft prevention. Aside from this, the following are other practical ways on how you can protect yourself from identity theft:

Get a back-up hard drive for your files – It is not safe to store all your files in one location only. Once a virus attacks your system, everything in your main storage will get infected. You become highly susceptible to fraudulent attacks when this happens.
Always back-up your file no matter where you keep them – Regardless if you think your email storage is safer, it is always better to keep a back-up somewhere else. Electronic copies are not indestructible. They could get damaged too, or worse, hacked.
Be wary in emailing – Malwares are often sent as email attachments. Always be skeptical about weird and questionable attachments. You will also want to be inquisitive of strangers who email you. You would not want to simply give them your social security number just because they tell you that you won something, which requires identity verification.
User error can also be detrimental – Be wary of your own errors too. Always be attentive of what you send and upload online. Click with caution, as there can be no such thing as an accidentally sent social security number to a stranger who is obviously pretending as an IRS employee.
Sometimes, it still pays to keep hard copies – Especially with official documents; it helps to have a printed back-up, which should be stored in a secured place.

Although there are a lot of data protection programs available in the market, being able to practice id theft prevention on your own provides a great deal of security. Through this, you can make sure that your own actions won’t jeopardize your personal information.

Identity theft has become a serious concern today. It cannot be treated indifferently as the effects can get you into several years of financial and legal predicaments. As responsible Internet users, we cannot use technology without being cautious about information security. It is our obligation to practice effective identity theft prevention and protect ourselves from these scammers.

More Identity Theft Prevention Articles

2008 Identity Theft Statistics and Several Ways to Prevent Identity Theft

Recent identity theft statistics and exactly what identity theft is.

It has been said that identity theft is the largest white collar crime in the history of the United States. It’s been reported by the Federal Trade Commission that, “1 in 6 Americans will be a victim of identity theft this year alone. In the last twelve months 9.93 million people have had some type of identity theft crime committed against them. Victims spend on average $ 1,200 in out-of-pocket expenses and an average of 175 hours in your efforts to resolve the many problems caused by identity thieves.” Criminal identity theft occurs when an imposter gives another person’s name and personal information such as a drivers’ license, date of birth, or Social Security number (SSN) to obtain a job, housing, money, goods, or other services. Or the imposter may present to a counterfeit license or form of ID containing another person’s data. There are 5 different types of identity theft and most people are unaware of all of them!

The five types of identity theft

1. DEPARTMENT OF MOTOR VEHICLES- Identity thieves could obtain a drivers license in your name and accumulate traffic tickets in your name, and could possibly get a DUI under your license and not show up in court.

2. SOCIAL SECURITY- an identity thief could use your social security number for employment purposes and you could get the tax bill. Many illegal aliens are buying many americans name and SSN. There are now 11 million illegal aliens in USA Today. Most of them are working under some one else’s name and birth certificate. They could file taxes under your name and get the instant on line refund.

3. MEDICAL INFORMATION BUREAU- an identity thief could use your personal information to obtain prescriptions or medical help which reduce your available benefits. This area of ID THEFT is growing rapidly as more and more people are unable to afford health insurance. They could get an aids test in your name which would go into the MIB.

4. CRIMINAL IDENTITY- an identity thief could use your information to escape fines or jail. You could find that you have a criminal record for bad checks, shoplifting, pornography, prostitution etc.

5. FINANCIAL IDENTITY – an identity thief could use your information to obtain money, goods or services leaving you with the bill. They could lease a car hi your name and not return it. They could purchase vehicles, real estate, etc.

How to help avoid being a victim of fraud or identity theft

First, every household needs a shredder, you need to purchase one if you don’t have it. “Dumpster diving”, is a older method, but it’s still the 1# way criminals get our information. The shredder will help eliminate the amount of information thieves can get from your garbage. Secondly, get updated anti-spy, or anti-theft software for your computer. Out dated software could compromise a lot of what you hold dear. Also, never give out personal information over the phone. How can you tell that someone is who they say they are, if it is over the phone. Lastly, invest in some identity theft protection and restoration insurance. Many companies only offer to monitor your financial identity, and only alert you of activity on your credit report. Remember that monitoring is not the cure to identity theft, because you still have been a victim! Identity theft protection and restoration is the only answer to this problem! Simply put, monitoring will only alert you of the problem. In most cases the amount of the fraud is in excess of thousands of dollars. So without a lawyer most financial institutions are hesitant to just remove the charges. Which could take weeks, months, or even years to fight on your own! So if you have an identity theft problem, you now have a legal problem. Restoration is the only solution to identity theft!

3. What are ways the thieves get personal information?

1. Dumpster diving- Thieves will steal your information from paperwork that hasn’t been properly disposed of. They may dig through your trash, company dumpsters, or even the city dump looking for personal information.

2. Phishing and Pretexting- These are similar methods of identity theft. Pretexting is where a person pretending to be with a legitimate company, like your insurance company, will call and try to get you to verify your account numbers or even your SSN. Phishing is basically the same except the thief will send you an email instead of calling you.

3. Shoulder surfing- This is where the thief will look over your shoulder when making transactions, at the ATM for example. They may even use devices like cell phones to record you without your knowledge.

4. Social Network Websites- While most adults are careful about the information they post on sites like MySpace, several teenagers and even some unknowing adults put them selves at risk of identity theft everyday. Identity thieves find names, addresses, and even birthdates on popular sites and use them to commit identity fraud.

5. File Sharing or Peer to Peer Software- The people accessing your music files also have access to other files on your computer.

6. Bogus Job Offers- Thieves will place fake employment ads and get you to fill out an application, including your social security number.

7. Fake sweepstakes or lotteries- These offers are usually sent by email and claim that you’ve won the Canadian lottery or some other sweepstakes that you’ve never actually entered.

8. Hacking- If you’re computer isn’t properly secured, a hacker can get access to all of the information you have stored. Hackers also get information by hacking the computer systems of organizations to get large quantities of information at once.

9. Stealing mail- This is similar to dumpster diving, except the thieves will actually steal your mail directly from your mailbox. They steal bank statements, pre-approved credit card offers, etc.

10. Lost or stolen personal items- It’s pretty obvious how thieves steal your identity by stealing your wallet, PDA, or laptop. The same goes when you lose your personal items.

11. Working in your home- This may be one of the most invasive ways to get information. Contractors or other workers may find and use account numbers or other information you have out in plain view.

12. Changing your address- The thief will often forge your signature to have your mail forwarded to another address. They will then get information from your bank statements, or they may apply for your pre-approved credit card offers.

13. Copying information during transactions- Dishonest company employees will sometimes steal your credit card information while processing your transactions. They can do this when you’re at the company or when you give your information over the phone.

14. Credit report- Thieves may pose as a potential employer or landlord to get a copy of your credit report. They can find out a lot of your information this way.

15. Reading RFID- RFID stands for radio frequency identification. RFID tags can be found on certain credit cards and other types of cards. Thieves build RFID readers that, if within proper range of you, can get the information off of your card. Whether it be by telephone, internet, wallet theft, dumpster diving, or a company you trusted mishandling your personal information, these thieves are getting more and more creative by the day!

4. Medical Identity Theft can be an individuals worst nightmare.

Imagine applying for the job of a lifetime, and you cannot get it because someone used your social security number. Getting an infectious disease treated in your name. Or worst yet, a diabetic steals your insurance information and uses it. If you were hospitalized and unable to speak…in this case the right or wrong medical information in your chart could be the difference between life and death. Medical identity theft currently accounts for just 3 percent of identity theft crimes, or 249,000 of the estimated 8.3 million people who had their identities lifted in 2005, according to the Federal Trade Commission. But as the push toward electronic medical records gains momentum, privacy experts worry those numbers may grow substantially. They’re concerned that as doctors and hospitals switch from paper records to Electronic Medical Records (EMRs), as they’re called, it may become easier for people to gain unauthorized access to sensitive patient information on a large scale. In addition, Microsoft, Revolution Health, and, Google in 2008 have announced they’re developing services that will allow consumers to store their health information online. Consumers may not even know their records have been compromised. This could be a nightmare, and with EMRs medical identity theft will happen more and more all over the country.

5. Is it possible for somebody to get information and use it for child identity theft?

Yes, if thieves get a social security number of a minor anything is possible. The birth date is just changed by the thieves. Thieves like to target children because their credit files are untouched and almost never checked. As parents, we don’t even think to check it. Even before identity theft became so prominent in the 21st century, identity thieves were targeting children. Now that security breaches are so common and hackers can find personal information through phishing, your child’s identity is even easier to steal than ever before.

Prevent Identity Theft with These Top 5 Tips

Here are the Top 5 Tips to avoid becoming a victim of identity theft. According to the FTC, Florida had the greatest per capita rate of identity theft repo…
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Can Credit Monitoring prevent id theft completely?

Question by Jennie: Can Credit Monitoring prevent id theft completely?
What is credit monitoring? How it may avoid identity scam?
I am confused whether i must choose credit monitoring or not.

Best answer:

Answer by Rob
not absolutely.

monitoring informs u following the truth of credit theft.

discover a credit regulations.

Give the answer for this query below!