Five types of identity theft
Now, every adult should know that identity theft the fastest growing crime in America. E 'became an epidemic, so that everyone at risk, including children, adults, seniors, people with good credit, bad credit or no credit. And to make matters worse, many people do not know if their identity has been stolen.
The biggest misconception is that identity theft only affects your credit or brings. Though I believe that identity theft only affects or carry on itsCredit, then you might want to keep reading.
In addition to credit related identity theft, there are at least four other categories of identity theft, not necessarily affect the credit, but can ruin your life. The following stories of life.
1. Character of identity theft. She embodies and someone commits a crime in your name, the warrants issued in its name, the arrests, and time spent in prison.
Woman is the sister of imitation manyYears. Unfortunately for her sister, Donna has an extensive criminal record. To clear her name, Donna has had a lawyer to take. She once said that his name is connected with a crime, can never leave.
Someone with a wallet stolen from the criminal records of Harry. Unbeknownst to Harry, the thief then committed several crimes in the name of Harry. Unfortunately, these criminal activities in the database, a company background check, provides the input data for potentialEmployer. Harry lost his job and was not at work, because you can change the incorrect information.
Three years ago, Jane's purse was stolen by someone she knew. The identity thief bought a car with ID of Jane and other crimes committed in the name of Jane's (of bad checks and theft). Nobody believes in law enforcement, Jane, when she says that is not the criminal, not even the prosecutor, who is being charged with crimes.
John, a man in San Diego, went to Mexico to visithis relatives. On the way back home, he stopped and said it has issued an arrest warrant in his name. Apparently someone had crimes committed in his name and his Social Security number. John was arrested and taken to San Francisco, where he spent 10 days in jail. Having finally secured a convincing police that was not the criminal, John was released and left stranded without money.
2. Social Security Number (SSN), theft of identity. Someone steals your SSN andwork on your behalf. The employer reports wages earned to the IRS thief under the NHS leaving to pay taxes on those profits. In addition, an identity thief may use your SSN, you lose the life support benefits result.
Paul received a letter from the IRS stating that he had purchased additional revenue in 2003. Paul did not deserve this additional income. An identity thief used SSN Paul and wages earned in the name of Paul. Now the credit of Paul is in ruins, and the IRS wantsbe paid.
Alex lost his wallet, and never bothered to report to the police. In 2005 he presented his tax return and expect a refund. Instead, he received nothing. The IRS denied the refund check to deal with back taxes had since 2002. Apparently in 2002, someone had used Alex SSN to earn wages in the name of Alex. This "unreported income" left Alex with a $ 9000 tax bill.
Someone with the SSN of Mary to earn wages. Mary, who had received AFDC (aid to families withDependent children) benefits, has lost his benefits and income statement, because it shows how a salary.
Jack applied for unemployment but was denied because records showed that it actually works. Apparently someone had been in another city with his SSN to earn wages in his name. Jack was told that he prove that his identity had been stolen.
3. Medical identity theft. Someone steals your identity and to receive health insurance in your name or uses yourmaintain the existing insurance medical care or prescriptions. You can be denied health insurance or lose your current health insurance because of false information placed in your medical history.
An identity thief has been given a treatment of injuries of the hand with a stolen identity. Now, victims of identity theft have received letters requesting the payment of drugs and services, made for the thief.
4. Driver's license identity theft. Someone committed trafficOffenses in your name. If the identity thief does not appear in court, warrants are issued in your name.
In 2003, Alex license was revoked because he had a different license is revoked in another state from criminal charges. In addition, Alex had warrants out for his arrest in another state. After working for about a year to his name, Alex driving was again clear.
An identity thief with a bad driving record will receive a copy of the driver SaraLicense. Now, because of poor record, the identity thief, driver's license was suspended for Sara, and she risks losing her car insurance.
5. Identity theft of credit. Someone uses your information, loans, goods or services received and not to pay the bills. The accumulation of unpaid bills at the end, the first collection, which can affect your credit card.
For over six years, Kate has become a victim of identity theft. Even a fraud on the credit report instead of alarm has been stoppedidentity thief. As a result, Kate can not buy a home because of bad loans.
An identity thief wrote bad checks and has opened a credit card more in the name of Erica. Consequently, the application and Erica open their bank account has been denied. Erica had to hire a lawyer to clear their names. That the cost of about $ 4,500.
So you can see that once an identity thief has your identity, he can do almost anything, even destroy your life. Do not think youimmune. According to suspend the Identity Theft Resource Center, there were at least 111 cases of violations of the data being communicated in January 2005, 53 million individuals potentially could have been, to identity theft. This number is steadily increasing. Moreover, according to the FTC, stolen more than 27,000 people a day in America, their identity.
Your data is safe. As long as the others (employers, the credit card companies, medical facilities, etc. Your personal information), itare always at risk of identity theft. Everything you need for an employer is to lose the information or give away or steal a person / employee data. A phone that only companies with experience when employees use customer data to create false accounts. The accounts were bogus thieves and their friends to call thousands of dollars in calls.
When it comes to protecting your identity being proactive is the only practical way to go, to avoid disappointment,Time and cost of restoring their identity and name. Some things you can do to prevent identity theft do not belong to enter your personal information, shredding unwanted e-mail and do not carry your SSN card with you. In addition, continuous monitoring of credit a simple, effective and inexpensive, often an eye on your credit card at all times to prevent identity theft, credit linked.
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This entry was posted on Saturday, January 16th, 2010 at 12:59 pm and is filed under Expense Reporting Articles. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
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