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Identity Theft Protection Plan
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What is Identity Theft?
An identity thief obtains some small piece of your sensitive personal
information and uses it without your knowledge to commit fraud or identity
theft against your person or business. Your everyday transactions, which
usually reveal bits of your confidential personal information, your bank
and credit card account numbers; your income; your Social Security number;
or your name, address, and phone numbers.
How Can They Steal My Identity?
Skilled identity thieves use a variety of methods to gain access to
your confidential personal information. They get information from businesses
or other institutions by stealing records from their employer, bribing
an employee who has access to these personnel records, or hacking into
the organization’s computers. Identity thieves may rummage through
your trash, or the trash of businesses or dumps in a practice known as
“dumpster diving.” By abusing their employer’s authorized
access or by posing as a tenants landlord or employer who may have a legal
right to the information, they secretly obtain your confidential credit
reports and information.
What Can They Do With My Identity?
Once identity thieves have your personal information, they may, go on spending sprees using your credit and debit card account numbers to buy “big-ticket” items like computers and stereo equipment that they can sell easily. They might open a new credit card account, using your name, date of birth, and Social Security Number. When the bills go unpaid, the delinquent account is reported to your credit-reporting agency. Next they change the mailing address on your credit card account. The imposter then runs up multiple charges on your account. Because the bills are being sent to the new address, it may take weeks or months before you realize there’s a problem. Identity thieves might take out auto loans in your name. Establish phone or wireless service in your name. Counterfeit checks or debit cards can be fraudulently issued, then drain your bank accounts. Identity thieves might open a bank account in your name and write bad checks or secure a loan. File for bankruptcy under your name to avoid paying debts they’ve incurred, or to avoid eviction from their residence. They might even give your name to the police during an arrest. If the identity thieves are released and don’t show up for their court date, an arrest warrant could be issued in your name.
How Can I Prevent Identity Theft?
Can you prevent identity theft from occurring, hardly? As with any crime,
you cannot completely control whether or not you’ll become a victim.
But, according to the Federal Trade Commission (FTC), you can minimize
your risk by managing your personal information cautiously and with heightened
I’m Concerned, I Need Identity Theft Protection.
Monitoring all my accounts, looking for unexplained changes or activity? Searching for credit card accounts or loans in my name, but not authorized or initiated by myself? Studying identity theft law, locating the right identity theft protection? Sounds very difficult and time consuming.
Not at all! Applying for Equifax’s Credit Watch Gold 3 in 1 Plan Is Easy and Secure. Enroll online today.
Important Identity Theft Resolution Contacts
Important Identity Theft Resource Links
US Federal Trade Commission: http://www.ftc.gov/bcp/edu/microsites/idtheft/
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