Identity theft is the fastest growing criminal industry in the world and is particularly effective in the United States. In 2006 there were 8 million identity thefts reported to the Federal Trade Commission (FTC) and again in 2007, after the Javelin survey. Account fraud detection, and application: These thefts are classified into two types.
In an account of the acquisition, which is the most common, is a thief to an existing account as a credit card orAccounts and make purchases or cash advances. In application of the fraud, the author uses the identifying information (eg social security number) to create new accounts. Of the two, the second type of commitment to the harder and harder to detect.
What are some ways to prevent identity theft are they? Now most people would say that not using your information online, you will be safe. This is wrong, though. Online theft is less than 12% of all identity theft. Most of themoccur online. People fish credit card statements or receipts from the trash, take photos of your card, if at the time of sale, steal your wallet, etc. These are the most common identity theft.
The three most common types of identity theft, credit card fraud (acquisitions), phone or utilities fraud and bank fraud. In all three cases, the criminals to access information on the account, withdraw the identity of the account holder and then the purchase of goods, money or other useAccount. Fraud with credit cards account for about 28% of all cases of identity theft and is almost 100% of online fraud. The best way to credit card fraud, so that just before the end of all your credit accounts and shred your papers, is to follow these rules when you use your card:
Keep with you at any time if you are traveling. Use only from sites you know, buying and trust. Can not give, loan or give them to everyone, even the waiter in the restaurant. Check your bank statements carefully every month to ensure that nothing you have not authorized to be recharged card thieves use to move a card once and then, often goes unnoticed.
Another good way to prevent identity theft is to spend the money to buy a paper shredder. It seems the answer to cheap, but offers occur, the majority of identity theft is not true if a thief opened the bills approved in advance by credit card, check stubs, etc. comes from the Recycle Bin. Shredded documents make it almostimpossible for the thief to steal easily.
If payment of bills or accounts, which is not the outgoing mail box on a street unlocked outgoing mail specialist at work or somewhere else where they can be seen and stolen. Falling into a blue post office (closed) at the mailbox or another secure box. If you leave the city for any reason, the post office hold your mail until you return home.
Another way identity theft, identity theft, particularly comprehensive or prevent the applicationfraud-is to check your credit report regularly. You can request copies of your credit report once a year, for free, from all three credit bureaus. Make sure you do this and verify that all accounts and account creation attempts were authorized by you.
Finally, one of the ways ot prevent identity theft that is often overlooked is when you order new checks for your checking account. Rather than having them mailed to you, pick them up at the bank. Or have them sent to a secure box like a PO box or similar service. When they do arrive, count them to be sure they're all there. Glance through the numbers to make sure that "1001" doesn't lead to "1003." Clever thieves only need one check to copy!
