Credit Karma Vs Equifax Credit Monitoring | Identity Protector

Identity theft is something that’s ended up being rampant in contemporary times. We’ve all heard the term, and possibilities are you and I both know someone who was personally effected by it– which’s if we’re not/haven’t been effected by it personally.

In fact, did you understand it’s such a big problem that 1 in 4 Americans have reported being victims of identity theft? Did you understand it’s such a big problem that 1 in 4 Americans have reported being victims of identity theft? Or that more than 1.5 billion personal records have been exposed in information breaches? How about that cybercriminals are stealing more than $1.5 trillion worldwide each year?

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Whether you’re stressed over yourself, your parents, and even your children- nobody is safe from this taking place to them. In fact, due to their social security number and clear credit, children have a big threat of identity theft!

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It appears no matter which way you turn these wrongdoers are stealing our personal data for their own gain. What are the kinds of identity theft to look for? How do they even get our data? What can you do to secure yourself and your enjoyed ones? Let us discuss the in’s and out’s of identity theft.

What Is Identity Theft? Am I At Risk?

Identity theft is the illegal use of another person’s personal recognizable details with the intent to devote scams or gain monetary benefits in their name. If your identity or the identity of your child has been stolen, identity thieves might open brand-new credit accounts, file fake tax returns, purchase or rent property, or get loans that damage your monetary health and credit score.

Identity theft is a severe crime in the United States. In fact, based on an online study of 5,020 US adults performed by The Harris Poll on behalf of NortonLifeLock, over 12.6 billion dollars were stolen from innocent victims of identity theft in 2019.

Luckily, you can take steps to assist prevent having your identity stolen. But first you’ll require to understand how identity theft takes place, how to identify it, and the types of theft that prevail.

What Are The Types Of Identity Theft?

Most people do not recognize that there’s a few kinds of identity theft to be on the lookout for. The four primary types consist of:

  1. Criminal Identity Theft— When someone dedicates a crime and gives the cops incorrect determining details
  2. Medical Identity Theft— When a thief steals a medical insurance card and gets treatment or prescription drugs
  3. Tax Identity Theft— When a criminal files a tax return in your name and catches your refund
  4. Child Identity Theft— When a thief opens accounts using a kid’s Social Security number

Normally, cybercriminals are searching for the following little bits of details about you when they’re trying to take your identity:

  • Social Security Number
  • Full name
  • Address
  • Date of Birth
  • Credit Card or Bank Account Numbers
  • Automobile Insurance or Medical Insurance Account Numbers
  • Details that Provide Answers to Your Account-Recovery Questions (Mother’s Maiden Name, Home Town, and so on)

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What Can Happen If My Personal Information Is Stolen?

If you’re thinking, “Why would someone want my identity?”– there’s actually a great deal of factors. For an identity thief, opening credit cards in your name, making deceitful purchases, or using your individual information when being questioned by the cops are simply a part of a long list of what they have the ability to finish with your taken identity. Some of the most common things they do consists of:

  • Open brand-new credit cards in your name
  • Make deceitful purchases
  • Log in to personal accounts (email, social networks, bank, and so on.)
  • Open brand-new phone and energy accounts in your name
  • Clone your ATM or debit card
  • Change your billing address
  • Get a brand-new driver’s license or official ID
  • Utilize your identity when questioned by authorities

It’s essential to comprehend that identity theft can happen to anybody at any time. Your identity is built on numerous layers that include more than simply your social security number. What we call your “identity” is the overall collection of your personally recognizable details. When they gain access to this info, they have the capability to, in essence, become you.

Common Ways Personal Information Is Stolen Online

For starters, look out for “shoulder browsing”. This happens when burglars peek over your shoulder as you type delicate information into a computer system, phone or ATM. Or they may listen as you phone and supply your account information.

Next is what we call “dumpster diving”. This is when a thief sorts through your trash bin. Disposed of checks and credit cards are simply two sources of extremely important personal info.

Be weary of public Wi-Fi. Public Wi-Fi normally does not encrypt information, so anybody with the Wi-Fi password and some know-how can monitor what you see and send. The hacker could dedicate identity theft if he/she intercepts your info.

Mysterious Hacker

Ensure a site is secured before you utilize it for any financial transactions. Normally, you’ll see a picture of a lock in the URL field, and the URL will contain “https,” suggesting it’s secure.

Lastly, watch out for identity burglars who call you from a telephone number or email address customized to look familiar and reliable. This approach is known as “phishing”, and the goal is to get personal info from you.

How Can I Stop Identity Theft From Happening?

Identity theft is genuinely something scary and something you can’t be particular you’ll prevent– no matter how cautious you are. In fact, none of us are safe from it without the appropriate help.

That’s where IdentityIQ comes in– our # 1 most advised credit monitoring & identity theft defense service.

If you’re fretted about identity theft taking place to you or a liked one (or it already has), we HIGHLY suggest you take a look at IdentityIQ. Their services are tailor-made to your specific requirements, and their defense is industry-leading. Simply a few of the services they use includes:

  • Identity Theft Insurance (Up To $1 Million)
  • Bitdefender Total Security for Safe Browsing
  • Bitdefender Total Security Anti-Virus
  • Credit Reports, Monitoring, & Scores from All 3 Major Bureaus
  • Credit Monitoring in Real-Time
  • Protect Identity Protection
  • Dark Web & Internet Monitoring for Personal Information Leaks
  • Complete Family Protection
  • 7 Day Trial to Test Out The Service Risk-Free

As you can see, the list of what they use is big. From the identity theft insurance coverage to reimburse you for lost salaries, legal costs, or stolen funds to the advanced credit monitoring to the continuous scanning of any leaked personal info, they’ve genuinely got your back.

Everything we’ve personally seen & experienced in our accounts from them, the services they offer are nothing but first-rate. In between the offered features and assurance you experience with them, we can with confidence way it’s worth the little regular monthly fee.

IdentityIQ is something everyone needs. Click here & sign up for a 7 day trial to test out the service for yourself. It’s only $1 and we’re positive you’ll be blown away by what they have to offer!