Living in the age of technology can be a wonderful thing, but it also leads to dangers that were not experienced in the past as thieves can be technologically advanced, stealing information from online sources. In the past, a thief would have to dig through the garbage, steal a purse or wallet, or find another physical means of stealing a person’s personal information so that he could use it to his own ends. Today, thieves can phish for information through other sites, hacking in and gaining access to personal information from people who trusted the other site with their information. Identity theft prevention is an important set of information that all individuals need to know and pass on to their friends so that everyone can be protected from people who would like to steal their information.
There are many organizations that have started identity theft prevention programs to try and educate individuals on the signs that identity theft has occurred, as well as the steps to take to try and prevent identity theft from happening at all. One tip that these organizations recommend is to check on existing checking, savings and credit card accounts on a regular basis to make sure there is not activity on those accounts that should not be there. If there is suspicious activity, the individual should report it immediately so that the thieves are more likely to get caught. In addition, the accounts can be immediately shut down so that the thieves cannot get away with as much money or items.
There are several things that individuals can do to prevent identity theft from occurring. First, personal information should never be disclosed unless it is absolutely necessary for the transaction to be processed. The social security card should be kept in a safe place and not in a purse or wallet where it could be stolen and used. In addition, the social security number should not be given out over the Internet or the phone unless the individual was the one to initiate the contact so that they know who they are dealing with.
Another way to prevent identity theft that many people do not consider is to refuse to click on links that are in emails that were sent from an unsolicited email address (i.e. spam mail.) These emails with links can secretly download a virus or program into the computer that will allow the person who planted it to pull all the personal information off of the computer, including passwords and other personal information that is stored there.
Of course the information in this article can do nothing more than just scratch the surface of ID theft problems. Your best protection is knowledge because with a few simple techniques you can make yourself as secure as can be without needing to pay expensive fees to insurance companies and other, sometimes a little shady, businesses.
The kind of things you need to know could be listed as follows:
A Criminal Attack Plan
The Traits of Victims
Bank Account Safety
…and most importantly a single 10 step Identity Protection Plan that if followed will keep you safe from the most determined of ID thieves.
Credit Card Fraud Prevention –
Do You Know How Important It Is?
Credit card fraud affects millions of Americans annually, with approximately 11 million people dealing with some type of identity theft each year. Simple yet effective credit card fraud prevention can seriously hamper the thieves that attempt to steal money and reputations. Credit card fraud not only affects its individual victims, but all of us in the form of merchant price markups to cover losses as much as 40%!
Why Prevent Credit Card Fraud
Banks try to reassure the public that if fraud occurs, they will just credit your account. What is not well advertised, however, is the fact
that you could still be liable for some or all of those charges. While you will likely be issued a credit initially, the credit card company
has final say about whether the charges are legitimate or not. Even if the credit card company rules with you, the creditor may still try to
collect so do all you can up front.
Do Not Give Out Information to Anyone Calling You
The Concerned Phone Call is one scam to get key personal information from credit card holders. Thieves fake caller ID displays to appear as
if a bank or store is calling, and leave a message telling you that there is a problem with your account. Thieves are hoping that
you have an account with the bank or store, and that you will be so determined to set things straight that you will provide them with the information they want to defraud you.
Guard Anything with Your Family;s Personal Information
Most people know that they should shred any documents with account numbers on it, and even anything with their name and address.
Take, for example, Joe who takes his recycling to the church or school recycling bin. Tom, a credit card thief, grabs Joes name and address
off of some mail, noticing which banks he receives mail from. Tom then goes online and tries to get as much information as he can for free.
Facebook and links to a family reunion site gives him Joes mothers maiden name and enough information to figure out some of his social security.
Monitor All Accounts Regularly
Many people get a credit card statement in the mail and check it over briefly. Not everyone goes through those statements with a fine tooth comb,
and experts estimate that when they switch to paperless e-statements people check 30-50% less! Make a date with yourself for credit card fraud prevention
at a regular, easy to remember time weekly, or perhaps each payday – to go over your credit card accounts online.
Utilize Companies that Specialize in Credit Card Theft
There are companies that will attempt to protect you or your family;s identity, including credit card fraud prevention. Lifelock, ID Watchdog, and
even Suze Ormann have companies that specialize in preventing your identity information from falling in the wrong hands, and they also try to help you
if you are a victim of credit card theft. Make sure that you understand what you are receiving, and decide whether it is a good value for your family. To see reviews for the best credit monitoring services in 2017 visit https://www.stopidentityfraud.org/credit-monitoring-services/
While most people know that they should sign their credit cards immediately upon receiving them, keep their credit cards safe and not leave their
account number where others can access it, there are still other ways to prevent credit card fraud. It’s crucial that everyone take steps to prevent
credit fraud. Not only will you protect your personal credit and identity, but you can prevent price increases which is good for all consumers.