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Identity theft happens so often the FBI – Federal Bureau of Investigation lists it as “America’s fastest growing crime problem”.
Identity thief’s steal and the use fraudulently names, addresses, bank account info, social security and credit card numbers along with other personal data on approximately 10 million Americans each and every year, according to the FTC. The best method to combat the problem is to understand how your personal data is available for thieves to acquire.
On a corporate level identity thieves crack into computer systems containing data on ten of thousands of consumers. Once inside they steal names and associated data. Another way is by insiders using access to credit reporting bureaus and snagging personal confidential information. They may even go through employer’s trash to find confidential data.
On a personal level which does not receive the same news play can come down to simply losing a wallet or purse, looking over the shoulder at the ATM or paying for dinner with a credit card that disappears from sight. From an online level – Phishing is probably one of the most widely know methods to steal someone’s personal identity. Phishers as they are called create a website which looks very much like the website of a legitimate company. Then they send emails out to bait to get unknowing individuals input their personal information which in turn the thieves use.
If you knew of all of the problems and hassles associated with having your identity stolen, you would truly understand the importance of protecting your identity. Anytime that you give out your information over the internet you are taking an identity theft risk. Companies have more protection for you than they used to, however. Below, you will get some tips on what you can do to protect your identity.
First, you should never give your personal information to anyone on the internet unless you fully trust the company and know that their site is secured by encryptions. Using money orders instead of checks adds an element of safety in these situations.
Next, never respond to Spam or Phishing Emails. Phishing mails say your have to tend to your account in some way. They want you to click on a link that will take you to a fake bank site, trying to lure you into putting your information in. Remember that your bank already has this information, so don’t be fooled. If you open Spam mail and someone is asking for your information because they said you won something, don’t believe them. Never give out your information through email.