Know About Identity Theft
Identity theft is the intentional use of another individual’s identity, most often in order to obtain credit or other financial benefits from that person’s name, sometimes for personal gain, and sometimes for the benefit of another person. In some cases, identity theft can result in a person not being able to obtain a mortgage, a car loan, or any other type of credit, at least in part because the identity of the victim was used. Many times, the thief will also steal someone else’s social security number and use it to apply for a credit card, obtain personal information online, or even apply for employment. There are also people who will use their identities to open up credit accounts or take out loans in their name.
The best way to prevent identity theft from taking place is to be aware of your personal information on the internet, whether it is a web site or social network page. Never give out any of your personal information over the internet, including your name or address, without first making sure it has been encrypted. If you do need to give this information over the internet, use a secure server and password in order to avoid having your information exposed.
Another way to prevent identity theft is to be aware of any account that you might have in your name that is opened up by an unknown third party. When you sign up for a credit or bank account, ask the bank or credit card company that you are dealing with whether they have any accounts in your name. You should also ask anyone who gives you your account numbers, such as a debt collector, that has asked you for the account number if they know where you have opened any accounts in your name.
If you suspect your identity has been stolen, you may want to check with your local law enforcement. If you are the victim of identity theft, contact your local police department and ask them if they are investigating any suspicious activity in your name. Be sure to call each agency separately, and always provide as much information as possible when you call each one. Some agencies will request proof of your identity and then ask you to send the information over the phone, so make sure to keep a copy of your ID and make copies of any receipts and statements that you may have in your wallet. that shows your name or address.
To prevent identity theft, you can also install a software program on your computer or laptop to help monitor your personal information. by sending it every couple of days to a central database. Once it is received, your personal information will be sent to all the agencies that you have authorized. to review the information before giving it to any others.
Identity theft has many different causes, but most of the time, it occurs because someone uses your personal information without your knowledge, either for fraudulent reasons or for other reasons. If you think that you may have been a victim of identity theft, you should get in touch with a reputable fraud investigator to help you recover your identity. Remember that identity theft can happen to anyone, but the sooner you identify it, the sooner you can take action to stop it from occurring.