Identity Theft Protection
Identity theft is here to stay….. learning about Identity Theft Protection is your first line of defense. It's your identity, your life and your credit at stake. Closing your eyes and going into denial that it's a real problem isn't going to help you, either. We're living in the Information Age and your information is out there just waiting to be stolen.
Identity theft has emerged as one of the dominant white collar crime problems of the 21st Century. Every 3 seconds another identity is stolen.
For the seventh straight year, the Federal Trade Commission says identity theft is the largest consumer complaint and the fastest growing crime in America. In 2007, the FBI reported that identity theft affected 9.91 million Americans. That's 9,991,000. There are probably many more cases that went unreported. It accounted for $52,600,000,000 (billion) in losses in 2007.
Most identity theft victims never know their identity has been stolen until they get phone calls and letters from collections agencies or even the IRS telling them they owe money - usually a LOT.
Fixing your identity is a nightmare. It should seem easy and straightforward but it's not. An average victim spends 300-600 hours to simply prove they're not a thief.
It's sad but true - if you're a victim of identity theft, creditors consider you guilty until you can prove you're innocent.
What can you do to protect your identity?
Some quick and easy things you can do for identity theft protection are:
- Check your credit reports from all three credit bureaus
- Opt out of unsolicited credit card offers
- Put fraud alerts on your credit report
- Buy a shredder and use it
A good solution for many people is to hire professionals to protect their identities. There are many identity theft protection plans to choose from. The best ones give you a guarantee of full-service help if your identity is stolen.
Whatever you choose to do, be pro-active in protecting your identity and personal information. Simply reacting to identity theft isn't enough anymore. Too many thieves have found out this is a safe, easy, money-making crime to commit. They're out to get you.
Don't cross your fingers and hope it won't happen to you. Identity theft protection can keep you from becoming a victim in the first place.
The new year is shaping up to be a banner year for spammers. They have a new twist that makes the emails look like they’re coming from social networking sites like Facebook and Myspace. Even LinkedIn isn’t as safe as you may have thought in the past. There are still too many people who think only their ‘friends’ are following and contacting them. Little do you know that your friends just may be an organized...
When social security numbers were first issued back in the 1920′s, they were never intended to be used for identification purposes. They were simply to be a way to track earnings and the amount of money you had paid into the new social security system not a critical piece of information for identity theft. Flash forward 50 years…. SSN’s are being used by everybody to identity you. In recent decades past, they...
Identity Theft Resources
Credit reports in the UK are also called credit reference files. Credit Reference Agencies in the UK give potential lenders your credit information so that they can decide if you’re a good risk for lending money. UK.gov link about credit reference agencies The addresses of the credit reference agencies are: Equifax Plc Credit File Advice [...]Keep Your Identity Safe On Social Networks
Identity theft never stops. Does your social networking page look something like this: Hi, my name is Mary Sunshine. My birthday is 7/13/2009 and I was born in Podunk, Alabama. I have a dog named Sassafrass. I hope everyone will become my new friend." Now what could be wrong with writing something like that? How [...]Identity Theft and Stolen Wallets
I hope you’re reading this before your wallet or purse is stolen. If you are, follow the steps below to keep danger of identity theft to a minimum. Don’t carry your social security card Carry only one credit card – make a copy of both sides and keep in a safe place at home Make [...]How to Opt-Out of Pre-Approved Credit Offers
All those pre-approved credit card offers you get in the mail can be more than just junk mail. They are a favorite way identity thieves get accounts in your name. Most of us really wouldn’t even think of dumpster diving for anything let alone papers. But it’s a common way thieves get their info to [...]
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