Identity Theft 101 | Identity Protector

Identity theft is something that’s ended up being widespread in modern-day times. We’ve all heard the term, and opportunities 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 understand it’s such a huge problem that 1 in 4 Americans have reported being victims of identity theft? Did you understand it’s such a big issue 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 taking more than $1.5 trillion internationally each year?

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Whether you’re stressed over yourself, your parents, or perhaps your young 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 risk of identity theft!

Identity Theft 101

It seems no matter which method you turn these wrongdoers are taking our personal information for their own gain. What are the types of identity theft to search for? How do they even get our data? What can you do to secure yourself and your enjoyed ones? Let us describe 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 info with the intent to devote fraud or gain financial advantages in their name. If your identity or the identity of your child has actually been stolen, identity burglars may open new credit accounts, file phony tax returns, buy or lease residential or commercial property, or take out loans that wreak havoc on your financial health and credit history.

Identity theft is a severe criminal offense in the United States. In fact, based upon an online study of 5,020 US adults carried out 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 avoid having your identity taken. However first you’ll need to understand how identity theft occurs, how to identify it, and the types of theft that prevail.

What Are The Types Of Identity Theft?

Most individuals don’t recognize that there’s a couple of kinds of identity theft to be on the lookout for. The 4 main types consist of:

  1. Criminal Identity Theft— When someone dedicates a criminal activity and gives the cops false identifying info
  2. Medical Identity Theft— When a burglar steals a health insurance card and gets healthcare or prescription drugs
  3. Tax Identity Theft— When a criminal files a income tax return in your name and snatches your refund
  4. Child Identity Theft— When a thief opens accounts utilizing a child’s Social Security number

Normally, cybercriminals are trying to find the following littles info about you when they’re trying to steal 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 somebody desire my identity?”– there’s actually a lot of reasons. For an identity thief, opening charge card in your name, making deceptive purchases, or using your individual details when being questioned by the authorities are simply a part of a long list of what they are able to make with your taken identity. Some of the most typical things they do consists of:

  • Open new charge card in your name
  • Make fraudulent purchases
  • Visit to personal accounts ( e-mail, social networks, bank, etc.)
  • Open new phone and energy accounts in your name
  • Clone your ATM or debit card
  • Change your billing address
  • Obtain a brand-new motorist’s license or official ID
  • Utilize your identity when questioned by police

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

Common Ways Personal Information Is Stolen Online

For beginners, keep an eye out for “shoulder browsing”. This happens when thieves peek over your shoulder as you type sensitive info into a computer, phone or ATM. Or they may listen as you phone and provide your account info.

Next is what we call “dumpster diving”. This is when a burglar sorts through your trash bin. Disposed of checks and credit cards are simply 2 sources of incredibly valuable personal information.

Be tired of public Wi-Fi. Public Wi-Fi generally doesn’t encrypt data, so anybody with the Wi-Fi password and some knowledge can monitor what you see and send out. The hacker might commit identity theft if he/she intercepts your info.

Mysterious Hacker

Make certain a website is secured prior to you utilize it for any monetary deals. Usually, you’ll see a photo of a lock in the URL field, and the URL will include “https,” suggesting it’s secure.

Lastly, look out for identity burglars who contact you from a telephone number or e-mail address tailored to look familiar and trustworthy. This approach is called “phishing”, and the objective is to get personal information from you.

How Can I Stop Identity Theft From Happening?

Identity theft is truly something scary and something you can’t be certain you’ll prevent– no matter how careful you are. none of us are safe from it without the proper assistance.

That’s where IdentityIQ can be found in– our # 1 most recommended credit monitoring & identity theft defense service.

If you’re stressed over identity theft happening to you or a enjoyed one (or it currently has), we HIGHLY advise you have a look at IdentityIQ. Their services are tailor-made to your precise needs, and their protection is industry-leading. Just a few of the services they provide consists of:

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  • Credit Monitoring in Real-Time
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As you can see, the list of what they offer is substantial. From the identity theft insurance coverage to reimburse you for lost salaries, legal charges, or stolen funds to the advanced credit monitoring to the constant scanning of any dripped individual info, they’ve genuinely got your back.

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