How To Defend Yourself From Identity Fraud - A Guide

There is a growing need to protect personal information from identity theft

. It is one of the fastest increasing crimes in the country. One option is to hire a company to be a watchdog for any fraudulent business conducted in your name. Although there is usually a minimal monthly charge for this precautionary measure, it is possible to receive services at a discount using a LifeLock Coupon.

Identity theft occurs in various forms. Some are in business, health care, financial, criminal, as well as cloning. Adopting another individual's personal data as one's own is a growing practice that harms the victimized person.

One group of culprits is illegal immigrants, who gain personal data for the purpose of beginning a new life. They impersonate their victims in an attempt either to avoid legal problems or to access health care or other benefits for which they would otherwise not be entitled. This type of crime is not easy to recognize or foresee, even with continued warnings out in the media. Despite information offered daily about guarding passwords, Social Security numbers, and such, some people will still be manipulated or intimidated into giving details to people who plan to use it for dishonest purposes.

Some people are hired specifically to steal personal information. They can then open accounts in other individuals' names. A few methods used to gain access may be from improperly disposed trash, unsecured computer data, physical theft of property, skimming credit card information, and stealing information from within infiltrated companies. There have even been instances of faking fingerprints using Gummy Bear candy.

Some of the items that are continuously watched by a monitoring company may be related to credit purchases. Others are non-credit related but are equally important. Either can be dangerous in the wrong hands.

Any time there is an unexpected or unfamiliar change in credit reports, it may be a reason for concern. When it involves change of address, applications of any kind, driver's licenses, Social Security information, or credit card use, it should raise red flags. If someone has stolen another person's information, it may be a simple process to apply for credit purchases or many other things, including automobile or housing leases.

The problem is that the victim may be unaware that the fraud has taken place until after it's done. Only when the person learns that someone has made purchases or other deals wrongfully does the awareness hit home. There was a series of supposedly laughable commercials within the last few years, in which the person perpetrating the identity theft was ridiculing the victim. The reality is that it is not funny to be victimized by others, especially when you have to try to straighten out the mess. Learning about Identity Theft Protection Services and changing the way you share your information can helkp you avoid this headache.

by: Ben Pate

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