- Social Security card
- Drivers license
- Credit cards or bank statements
- Telephone calling cards
- Birth certificates
How easy is it to get false ID, steal the numbers that identity you, and commit credit card fraud?
A lot easier than you might think.There are traditional ways of acquiring your financial information:
- Stealing your wallet or purse
- Accessing your credit report by posing as an employer, loan officer or landlord
- Stealing mail from mailboxes to obtain credit card statements, bank statements, or other personal information
- Taking trash bags from the street with old credit card and bank statements
- "Dumpster diving" into trash bins to retrieve financial statements
But today hundreds of databases already exist that contain detailed information about your personal life, your buying habits and other lifestyle characteristics.
Various companies offer services that provide address, criminal, civil, and professional history as well as a list of assets and bank account numbers. Also available are your Social Security number, last six addresses, current phone number and names and phone numbers of neighbors. Some large, prestigious companies offering such information include Lexis-Nexis and West Publishing Company. Many smaller companies also provide similar services.
Identity theft is getting easier and faster. Today, you can steal someone's wallet or purse--or find the right database on the Internet. This information is available in minutes with only a few click of your mouse. Here are economical products that can quickly uncover personal details.
Is there something about someone your are trying to find out? These sites gives you the tools and resources known only by private detectives--until now. You'll learn their tricks and investigative methods.
|For example, Net Detective "is an amazing new tool that allows you to find out EVERYTHING you ever wanted to know about your friends, family, neighbors, employees, even your boss! You can even check out yourself. It is all completely legal, and you can do it all in the privacy of your own home without anyone ever knowing."|
Click on the banner to see how the Net Detective provides the software you need to expose detailed personal information on the Internet.
Another investigative resource is Cyber-Detective Investigative Software. This toolkit provides you with a complete "how to" guide, a large selection of tools and even databases that will aid you in just about any type of informational investigation. Not only does the kit provide you with the sources and tools that are useful in gathering information on others but it will also provide you with an organized guide to what each source can provide and where it's located.
Examine it by clicking on the banner below.
Problems You Can Encounter
My wallet was stolen in December 1998. There's 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
I'm 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 won't get any notices, but I'm not looking forward to Monday's mail.
From a consumer complaint to the FTC, November 13, 2001
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 don't 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.
More information is available here about:
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