Identity Theft Protection
Preventing Identity Theft
How can someone commit identity theft?
The Federal Trade Commission explains how identity theft is committed: By co-opting your name, Social Security number, credit card number, or some other piece of your personal information for their own use. In short, identity theft occurs when someone appropriates your personal information without your knowledge to commit fraud or theft.
Once identity theft is committed, then what? Once identity thieves fake your identity, they:
- Open a new credit card account, using your name, date of birth, and Social Security number. When they use the credit card and donít pay the bills, the delinquent account is reported on your credit report.
- Call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your impostor runs up charges on your account. Because your bills are being sent to the new address, you may not immediately realize there's a problem.
- Establish cellular phone service in your name.
- Open a bank account in your name and write bad checks on that account.
You need to know everything you can about identity theft protection. Preventing identity theft is a lot better than trying to recover from identity theft.
With regular monitoring of your credit reports you may learn of identity theft as soon as possible. Otherwise, your creditors will inform you after bills have been unpaid and your credit has been damaged..
Problems You Can Encounter
My wallet was stolen in December 1998. Thereís been no end to the problems I've faced since then. The thieves used my identity to write checks, use a debit card, open a bank account with a line of credit, open credit accounts with several stores, obtain cell phones and run up huge bills, print fraudulent checks on a personal computer bearing my name, and more. I've spent the last two years trying to repair my credit report (a very frustrating process) and have suffered the ill effects of having a marred credit history. I've recently been denied a student loan because of inaccurate
information on my credit report.
From a consumer complaint to the FTC, February 22, 2001
Iím tired of the hours I've spent on the phone and all the faxing I've had to do. When will it be over?
From a consumer complaint to the FTC, March 13, 2001
Tomorrow is Sunday so we wonít get any notices, but Iím not looking forward to Mondayís mail.
From a consumer complaint to the FTC, November 13, 2001
Additional Online Resources
Lock Your Credit File. -- Lockyourcreditfile.com Provides The Same Protection From Identity Theft That Other Companies Charge Up To $200 Per Year. A One Time Service Fee Of Only $19.95 Provides The Means To Secure Your Credit File Stopping Identity Thieves Cold.
Identity Theft Deterrent. -- Our Customers Love This Product! Unique Selling Point = Identity Theft Protection Without Those Monthly Fees. Highly Topical, 70% Payout And No Refund Requests During Testing. More Info At www.xomet.com.
Privacy Crisis. -- E-book Shows How To Prevent Identity Theft. Contains Proven Legal Strategies On How To Bank, Travel, Work And Live Anonymously.
BooksOnStuff Publishing. -- Selling Instructional E-books On Vending, Negotiation, Identity Theft, Etc.
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