Common Internet Identity Theft Scams
Unfortunately, identity theft is not as uncommon as one might think. Thousands of Americans become victims of identity theft each year, with the most common type of theft being related to personal finances. This often happens as a result of breaches in website security, making it possible to steal money from bank accounts and order extra credit cards. There is also criminal identity theft, which includes committing a crime in another person’s name. Medical identity theft is quite similar, in that both can happen after the victim’s personal information is stolen from the Internet. Each of these types of identity theft can devastate the life of a victim.
Types of Identity Theft
One of the most popular ways for thieves to steal online identities is by breaching current accounts to obtain information. This is also achieved through phishing, during which the thief receives information that the victim believes they have given to a reputable source. The thief will then open a new account with this stolen information. Information, like a full name and social security number, can be used to open cell phone accounts and credit cards. In some situations, a thief will be able to completely take over the victim’s account, locking them out. Such information can be used to create an identity the thief can use when he or she comes into contact with police or medical professionals. Some people find that they have entire criminal records full of acts that a thief committed in their name.
Many identity thieves will extract credit card and banking information to purchase new products and services. Many victims discover all too late that they have had their identities stolen. Thieves might use stolen cards and information to rent hotel rooms, book flights and purchase new cars.
In some situations, romance has been used as a way to extract information. The thief will build a relationship with the victim in an effort to build trust. He or she will learn information in order to impersonate the victim and obtain credit in his or her name.
Prevention of Identity Theft
One of the best ways to keep your information safe is to use a different password for each account. Keeping your password safe is essential to keeping yourself from becoming a victim. You should avoid giving your password to anybody, even those you think you can trust. When you do make a password, use random words and numbers to create something unique. Refrain from using common passwords that a thief could easily guess, like a last name or birth date.
It is also a good idea to shred all your trash, especially information with your home and email addresses, social security numbers, and any other confidential details. It is true that people will dig through trash to find this personal information. When it comes to filling out forms, give as little information as possible. It is not always necessary to write your social security number on each form that asks for it.
It is important that you continually monitor all credit card and bank statements. If you notice any strange activity, notify your bank or credit card company immediately. You should also Google yourself every once in a while to ensure no criminal activity has been occurring under your name. Catching the theft before it gets out of hand will help you solve the issue with less heartache.
Alia McCavitt is an avid legal buff, and gets many of her consumer rights tips from class action sites and law blogs.
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Category: Consumer Complaints
