Identity theft is regarded as a very serious crime all across the globe. It is generally referred to as a situation when your identity gets stolen and it is also reported to be the largest crime that is rapidly spreading in the United States. The people that were affected by this kind of theft amounted to an astonishing number of 9.91 million. Besides this there were a lot number of cases which were unreported and unaccounted for. In most of the cases the victims are never aware that their identity has been stolen until and unless the time comes when they receive calls from collection agencies and bureaus claiming their share of money that were lent to these consumers.
The step towards the fixation of your identity turns out to be a nightmare when you actually proceed to do so. It might sound to be simple enough but the efforts that you have to undergo are really painful. Your first step towards defense would be to know all about identity theft and its protection. There are various portals which provide you with detailed discussion and lessons on identity theft. The detailed information provides you with step by step guideline on how to detect, deter and defend yourself against that of the idenit thieves. You will also come to know what you have to do when your identity would get stolen by these criminals. The business enterprises can also learn from these sites how to help their customers in the protection of their identity. The enforcement of law also might get you resources on how to help the victims on that of the serious crime of identity theft.
In case you become the victim of identity theft then the first thing that you would do is place a fraud alert on all of your credit reports and then proceed further to go and check all of your credit reports one by one. You can also get in touch with the three consumer reporting companies and an alert will be placed on the versions of your report. In case in you do not get any sort of confirmation from that of the companies then ago ahead and place the fraud alert on a direct basis. You can then go on to close all the accounts that you know of or believed that can be tapered at any point of time. You can also call or speak to anyone from these companies and speak to them about your cause of anxiety. You must also a keep a document of all the files sent and received to these companies. Then go ahead and file a complaint with the Federal Trade Commission and soon after you can file a report with the local area police. If that is not at all possible than file a complaint in the police community area where the theft has taken place. So you can sit back and cross your fingers that you would never become the victim of such a crime or be extra cautious whenever it comes to dealing with your identity for any purpose.
Consumer Identity Theft Protection
Identity theft is very quickly becoming the crime of choice for thousands of criminals worldwide. With online Internet access to just about any kind of database you want becoming easier and easier to acquire, the crime of Identity Theft is becoming so easy, a child could do it, if they are even mildly adept at using a computer.
So how does identity theft occur? Below are some of the ways you can become a victim
Identity Theft From The Dead:
The goal here is to scour through newspapers obituary columns to find out who has died lately. Then once you get a list of the dearly departed and their addresses, you go over to their homes and grab any mail that is laying around. Some of the items used in identity theft are bank statements, credit card receipts, tax bills, and utility bills. They will even go through the garbage looking for anything that will help the perpetrators with the identity theft
This may take a few days maybe up to a month, but you can be sure that many of the dearly departed's loved ones are to traumatized & busy with other details to stop credit card bills and invoices from creditors from being sent out.
Another way to exploit those who have left this earth, is to make an appointment with a realtor to view the property of the newly deceased. Once inside, the thieves will go through the house looking for mail, invoices, even ID that may still be in the house, literally anything that will help the crooks with the identity theft of your loved on. Scotland just had over 7000 dead identity theft victims in a recent crime spree perpetrated by Scottish gangs.
Statistics say that around 30 percent of all ID thefts occur by stealing the identity of a dead person.
High Tech Identity Theft:
One of the laziest ways to perpetrate identity theft, is to place a computer recording device on a victims computer. Once this type of spy software is installed, it will capture and record ALL computer activity... everything from passwords, banking information & credit card numbers, to private emails & chat conversations.
The spy software will then relay this information over the Internet directly into the identity theft criminals email account. The nice thing for the crooks who operate this way is, they just let the victims emails pile up in an free untraceable email account, and then maybe once a month use an email parser to scan these emails for the information they need to get your money.This can be a totally automated process.The spy software is easy to buy off the Internet. There are over 500 types of this spy software commercially available to anyone who want to buy it.
Identity Theft Through Mail.
If the crook can get hold of your mail they will easily be able pull off and identity theft on you, and spoof a lending institution into granting a bank account to the scammers. They will simply take a leisurely drive through the country in the guise of delivering handbills to mailboxes. While they are at these country mailboxes they will pilfer your mail, Many of us aren't waiting for our bills with baited breath, so it can be a couple of months until we realize we haven't received our bills. By that time the identity theft has occurred and the crooks are long gone.
The other simpler way to get your mail is to put in a change of address to the post office and re route your mail to the identity thieves new post box. This is a common practice, and if you are on vacation you will be none the wiser.
Identity Theft Through Forged ID:
These tools are a bit more high tech an require some computer skill, but nevertheless many identity theft has been perpetrated by generating social security cards, drivers licenses & birth certificates. The software to do this can be acquired online freely if you know your way around. All that's required for this type of identity theft is a computer a printer and a software to tell the computer how to do what you want.
Identity Theft Through Shopping.
Have you ever been to a restaurant and paid with your credit card? Do you follow the waiter to the cash register and watch him as he runs your card through? It's very simple to grab your credit card numbers including your expiry date and the 3 or 4 digit security code on the back of your card. Then all the crook has to do to make you a victim of identity theft, is wait a few weeks and then go on an online shopping spree, using your stolen credit card information. It will be very unlikely that you will be able to sort out which retail outlet your card numbers were stolen from. This type of identity theft is extremely easy to pull off.
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