Protecting Yourself From Online Computer Virus Attack and Personal Identity Credit Card Data Hacking

Search This Blog

Follow by Email

prevent online identity information theft

Preventing Identity Theft
By Joseph L Ryan

The best protection against identity theft, without doubt, is identity theft prevention. A recent article in USA Today shows how identity theft can happen. An identity theft ring hacked into Marshall Department Store's main computer and stole thousands of credit card numbers. The ring members then traveled throughout Florida using these stolen credit card numbers to charge high-value merchandise at stores like WalMart.

They then sold the merchandise to "fences," or even more brazenly, returned the merchandise to WalMart stores for a cash refund. A WalMart clerk got suspicious and called store security, which contacted police. The ring members are now all serving long sentences in the slammer.

But the more important point is, if you've ever shopped at Marshall's you could have found yourself with credit card bills for many thousands of dollars of merchandise you never purchased. What a gigantic headache! True, you wouldn't be legally responsible for those fraudulent purchases. Nevertheless, your credit record would be quite a mess for a long time.

Clearly - notwithstanding some recent legislation - identity theft is the crime that's probably most likely to happen to you. It's simply too easy for crooks to get hold of credit card numbers and social security numbers these days. In this report I'll briefly discuss how identity theft happens, what to do if it happens to you, and also mention a few important self-protection measures.

Identity Theft Defined

Identity theft doesn't usually mean somebody steals your identity and then goes off to a faraway place and lives his/her life impersonating you and running up bills in your name. It could mean that, but that is extremely rare. Most commonly, it just means somebody runs up bills using your credit card or credit rating. Sometimes a lot of bills. There have even been cases of identity thieves taking out house mortgages under somebody else's name, and then flipping (re-selling) the house.

Two Types of Identity Thieves

There are two main types of identity thieves, namely identity theft rings and individual identity thieves.

Identity theft rings resemble little Mafias with a boss and a group of underlings who do the more risky tasks, such as setting up credit accounts and going into retail stores to purchase merchandise using fake credit cards. (Many rings actually manufacture valid-appearing credit cards, or hire specialists to do it for them.)

Typically identity theft rings use hit-and-run tactics, working in a fixed location for a few months then disappearing.

The other type of identity thief is the lone individual who is trying to upgrade his/her standard of living by credit card fraud. Usually, this type of identity thief will not make quite as much of a train-wreck of your credit standing as the identity theft ring. Even so you may find yourself spending many hours trying to fix it.

Needless to say, both types of identity thieves - the rings and the individuals - usually target high-income individuals. Anyone with an expensive car, home, or high-paying job is a more-likely target. Unfortunately, your social security number can be just about as easy to get these days as your phone number. All a crook needs is an account with an information broker online and your name and address. Then, given your social security number and a little additional information like your date of birth (which is also pretty easy to find online), the identity thief can set up all kinds of charge accounts in your name, arranging to have the bills sent to a phony address so that it will take longer for you to catch on to what's happening.

But not all identity theft stems from online information brokers giving out social security numbers. In fact experts say only a very small fraction of it does. Most often, thieves directly steal credit card numbers, like the ring that I mentioned above which operated in Florida. On a smaller scale, a thief working as a waiter or clerk may steal your credit card number or possibly your whole purse or wallet.

In any case, it can escalate from a major nuisance to a major crisis if the identity thief commits a crime while impersonating you, possibly by means of a fake driver's license or other forged document. Should he/she be charged and then fail to appear in court, you could find yourself under arrest and charged with the crime or other offense.

If It Happens To You

If you receive bills for merchandise/services you didn't buy, or get a call from a merchant complaining about a bill you didn't pay for something you didn't order, you're very probably facing identity theft. Here's the process you should follow. Note: You might also wish to read the FTC's webpage (ftc.gov/bcp/edu/microsites/idtheft) on this topic.

First, get as much information as you can from the merchant, such as when the purchase took place, type of credit used (credit line or credit card), account number, monetary amount, where the bills were sent, and if a credit application was filled out (if so, get a copy of it). Explain to the merchant that you've been a victim of identity theft - always use that term, "identity theft" - and request that he not report the bill to the credit bureau in your name.

Second, contact one of the three major credit bureaus and tell them to put a fraud alert on your credit reports. This prevents the identity thief from opening more accounts in your name. You only need to contact one of the three credit bureaus to place the alert, since whichever one you notify will then alert the other two as well. The credit bureaus are:

Trans Union: 1-800-680-7289
Equifax: 1-800-525-6285
Experian: 1-888-387-3742

Have the credit bureau representative send you a copy of your credit report (this should be free). Then study it carefully and look for fraudulent charges. Close all accounts you think have been tampered with and write a letter to those merchants explaining that you have been a victim of identity theft. (Note: don't mail the letters yet. You should enclose a copy of your police report; see below.)

Third, take your credit report to your local police department and file a formal police report. Always keep this report with you in the event you ever find yourself charged with a crime committed by the identity thief. Incidentally, your local police department tells you they don't accept reports for identity theft tell them you wish to file a "Miscellaneous Incidents" report. As an alternative you can file your report with the State Police.

Fourth, visit your local Department of Motor Vehicles (DMV) and inform them that you have been a victim of identity theft. Request a new drivers license with a new drivers license number.

Fifth, try to find out if there are any currently pending criminal or civil actions against you. I suggest using online service US Search.com as a quick, reliable source for this type of information. If you do find court judgments against you should then write a letter to the court explaining that you have been a victim of an identity thief (enclosing a copy of your police report) and ask that the judgment be vacated.

Sixth, contact the U.S. Department of State (again, including a copy of your police report) and ask that they confirm that a passport has not been recently issued in your name. If one has, ask that it be canceled immediately. The address to write to is:

U.S. State Department Attn: Passport Services
1111 19th St., NW, Suite. 500
Washington DC 20522

Preventing Identity Theft

A hundred percent identity theft prevention doesn't exist. There's no surefire way to completely protect yourself against identity theft - but there are some things you can do to make it less likely you'll be targeted.

1. Take steps to make your social security number a little harder for identity thieves to obtain. As said, identity thieves can easily obtain your SSN if they know your name and address. So why not make it harder for them to get your address in the first place? You can do this by using a post office box number on all credit applications and other types of forms which will become public information, such as registration records.

2. Try to keep your telephone number out of general circulation. Why? Because once somebody knows your telephone number, they can use a "reverse directory" on the Internet to easily obtain your home address.

3. Always use personal checks only for by-mail bill paying, never for day-to-day, in-person purchases. Your personal checks contain identifying information about your bank account plus your personal signature. So it's much safer to use a credit card or debit card.

4. Get your name removed from "pre-screening" programs (marketing services offered by the three credit bureaus). Whenever you get a credit card offer in the mail, it's because your name and address appeared on a pre-screening list, which contains only credit-worthy individuals. But these lists are commonly used by identity theft rings to target potential victims. To get removed from such lists of all major credit bureaus, call 888-567-8688 and inform the clerk that you wish to be removed from all pre-screening programs.

Joseph Ryan is editor of Web Search Guides ([http://www.websearchguides.com])

Article Source: [http://EzineArticles.com/?Preventing-Identity-Theft&id=1512031] Preventing Identity Theft

identity theft, business, finance, women, society

Two things to bear in Mind while we talk about Protecting yourself Online in order to Prevent Online Identity Theft and being Victim of Cyber-Criminals:

A. Keep in mind that antivirus software protects only your device, not your internet connection. It’s only Secured and Protected Virtual Private Network, VPN can securely protect your internet connection communications between your computer device, servers and websites.

B. A VPN is a must-have utility to protect your privacy and prevent hackers and snoopers from stealing your personal information.