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

In fact, did you know it’s such a huge issue that 1 in 4 Americans have reported being victims of identity theft? Did you know it’s such a huge 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 data breaches? How about that cybercriminals are taking more than $1.5 trillion worldwide each year?

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

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It seems no matter which method you turn these criminals are taking our individual information for their own gain. What are the types of identity theft to look for? How do they even get our information? What can you do to secure yourself and your liked ones? Let us explain the in’s and out’s of identity theft.

What Is Identity Theft? Am I At Risk?

Identity theft is the unlawful use of somebody else’s individual identifiable information with the intent to commit scams or gain monetary advantages in their name. If your identity or the identity of your child has actually been stolen, identity burglars may open brand-new charge account, file fake income tax return, purchase or lease home, or secure loans that damage your monetary health and credit rating.

Identity theft is a major criminal offense in the United States. In fact, based upon an online study of 5,020 US grownups conducted by The Harris Poll on behalf of NortonLifeLock, over 12.6 billion dollars were stolen from innocent victims of identity theft in 2019.

Fortunately, you can take steps to help avoid having your identity stolen. But initially you’ll require to know how identity theft occurs, how to identify it, and the types of theft that prevail.

What Are The Types Of Identity Theft?

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

  1. Criminal Identity Theft— When someone dedicates a criminal activity and offers the authorities incorrect recognizing details
  2. Medical Identity Theft— When a burglar steals a medical insurance card and gets medical care or prescription drugs
  3. Tax Identity Theft— When a criminal files a tax return in your name and captures your refund
  4. Kid Identity Theft— When a thief opens accounts utilizing a child’s Social Security number

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

  • Social Security Number
  • Complete name
  • Address
  • Date of Birth
  • Charge Card or Bank Account Numbers
  • Vehicle 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 really a lot of reasons. For an identity burglar, opening charge card in your name, making deceptive purchases, or utilizing your personal details 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. A few of the most typical things they do consists of:

  • Open brand-new charge card in your name
  • Make deceptive purchases
  • Log in to personal accounts (email, social media, bank, and so on.)
  • Open new phone and utility accounts in your name
  • Clone your ATM or debit card
  • Change your billing address
  • Get a brand-new driver’s license or official ID
  • Use your identity when questioned by cops

It’s essential to comprehend that identity theft can take place to anyone at any time. Your identity is built on several layers that include more than just your social security number. What we call your “identity” is the total collection of your personally recognizable details. When they access to this information, they have the ability to, in essence, become you.

Common Ways Personal Information Is Stolen Online

For beginners, look out for “shoulder surfing”. This takes place when burglars peek over your shoulder as you type sensitive info into a computer system, phone or ATM. Or they might listen as you make a call and supply your account info.

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

Be weary of public Wi-Fi. Public Wi-Fi typically doesn’t encrypt information, so anyone with the Wi-Fi password and some knowledge can monitor what you see and send. The hacker might devote identity theft if he/she obstructs your details.

Mysterious Hacker

Ensure a website is encrypted before you utilize it for any monetary transactions. Usually, you’ll see a picture of a lock in the URL field, and the URL will include “https,” meaning it’s secure.

Lastly, keep an eye out for identity burglars who call you from a contact number or e-mail address tailored to look familiar and credible. This technique is referred to as “phishing”, and the objective is to get individual info from you.

How Can I Stop Identity Theft From Happening?

Identity theft is genuinely something frightening and something you can’t be certain you’ll prevent– no matter how cautious you are. none of us are safe from it without the appropriate assistance.

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

If you’re stressed over identity theft happening to you or a enjoyed one (or it currently has), we HIGHLY advise you take a look at IdentityIQ. Their services are tailor-made to your exact requirements, and their defense is industry-leading. Simply a few of the services they offer 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
  • Secure 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 provide is big. From the identity theft insurance coverage to repay you for lost earnings, legal charges, or stolen funds to the innovative credit monitoring to the continuous scanning of any dripped individual info, they’ve truly got your back.

Everything we’ve personally seen & experienced in our accounts from them, the services they provide are nothing but first-rate. Between the available functions and comfort you experience with them, we can with confidence way it’s worth the little monthly cost.

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!