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Identity Theft: What It Is, How to Prevent It, Signs to Watch for and Tips Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions with confidence. And while our site doesn't feature every company or financial product that is available however, we're confident of the advice we offer, the information we provide and the tools we create are independent, objective simple, and cost-free. How do we earn money? Our partners pay us. This may influence which products we review and write about (and where those products appear on the site) however it does not affect our suggestions or recommendations, which are grounded in hundreds of hours of research. Our partners do not promise us favorable reviews of their products or services. . Identity Theft: What Is, How To Stop It, Signs of Warning and Tips ID theft is the illegal act of someone posing as you, typically in order to obtain money. Know these warning indications and preventive tips. By Bev O'Shea personal finance writer | MSN Money, Credit.com, Atlanta Journal-Constitution, Orlando Sentinel Bev O'Shea is a former NerdWallet authority on consumer credit, scams and identity theft. She holds a bachelor's degree in journalistic studies from Auburn University and a master's in education from Georgia State University. Before coming to NerdWallet, she worked for the daily papers, MSN Money and Credit.com. Her work was featured in The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and many other places. Twitter: @BeverlyOShea. Feb 7, 2023 Editor: Kathy Hinson Lead Assigning Editor Personal finances, credit scoring debt and money management Kathy Hinson leads the core personal finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years at The Oregonian in Portland in positions such as copy desk chief and team editor and designer. Her previous experience includes news and copy editing at many Southern California newspapers, including the Los Angeles Times. She earned a bachelor's degree in journalism and mass communications in The University of Iowa. The majority or all of the products we feature come from our partners who compensate us. This affects the products we write about as well as the place and way the product appears on a page. However, this does not affect our opinions. Our opinions are our own. Here's a list of and . Identity theft is the act of using your personal information such as your name, Social Security number, birthdate, etc. -- to pretend to be you, and typically uses that information to steal your identity. This is to use your personal information in order to steal from you. Federal Trade Commission received 1.43 million complaints about identity theft from customers in 2021. Here's what you should be aware of to minimize the chance that you'll be a victim, spot warning signs and take swift action to minimize any damage. What is identity theft? Identity theft occurs when someone uses your personal information to appear as you or take your money. Identity thieves can take your investment and bank accounts, open fresh credit lines get utility service, steal taxes, or use your insurance information to gain medical treatments, or give police your address and name when they are detained. Frequent data breaches mean your personal information could be compromised. In this new reality it's imperative to take steps to prevent malicious actors from using your personal information and ruining your financial security. Return to the top 7 kinds of identity theft and the warning indicators If a criminal is able to access your details, here are some typical ways in which it can be used: 1. Credit identity theft Identity theft occurs when a criminal makes use of your personal information like birthdate or Social Security number to apply for an additional credit line. Alert signs: You could see an unexpected change in your credit score or an account you don't recognize from your credit records. It is possible to receive debt collection notices or a court judgment against you. The best way to prevent it is to freeze your credit. 2. Child identity theft Criminals and seek credit in the child's name. Most of the time, it's not noticed until the victim applies to college loans or any other type of credit. Alert signs: If you notice that your child is getting solicitations for credit cards or phone calls about late payments or debt collections look into it. You can stop it. 3. Identity theft using fake identities is when criminals use a patchwork of identity details to construct a fictitious consumer, using the Social Security number -- often one of a minor child or one that is simply made up -- that is not yet in the credit bureaus' database and combining it with the name and address. Then, they apply to loans or credit cards often making payments for years while the credit limits increase. There is then the time for a "bust out" in which the credit cards have been maxed out and the criminals are gone. Watch out for warning signs if you attempt to freeze your child's account and discover that their Social Security number is already used. Most of the time, it's not discovered until the child has applied in the process of applying for school loans. It's not always preventable, because sometimes criminals make up and then use a Social Security number even before it is assigned. 4. Identity theft of taxpayers Sometimes fraudsters use a Social Security number to file the tax return and take you tax refund or credit. Alert signs: You might be unable to e-file because someone else has filed under that Social Security number, you get an IRS notice or a letter referring to something you were unaware about or IRS records indicate that you worked for an employer that you did not. can help you beat criminals to file your tax return, and some states offer the six-digit ID protection pin (after a rigorous verification) with added security. 5. Medical identity theft Utilizing someone else's name to access health care services is a form of medical identity theft. It's particularly dangerous because it can result in mixing medical histories which can give hospitals and doctors inaccurate information when making health-related decisions. Beware of warning signs: Claims or payments on your insurance statement of benefits you don't recognize can suggest that someone is taking advantage of your health care benefits. If you've fallen victim, you'll need to inform your insurance company and inform your health care team to ensure that the information contained in your health care records is actually yours. 6. Account takeover Criminals can use personal data to access your financial accounts. They then change passwords or addresses to ensure that you do not have access. Signs to be wary A letter, email or text message from your financial institution that refers to an act (like an email or password changes) or transaction that you do not recognize. 7. Criminal identity theft Criminal identity theft occurs when someone provides law enforcement officials with someone else's name and address in the course of an investigation or arrest. This is often done with fake identification, like a fake driver's license. Warning signs: You may be arrested by a police officer due to reasons that are not clear in your mind, or not granted a job or a promotion due to something that was discovered in a background check. >> LEARN: What is in Canada? From top to bottom 11 ways to avoid identity theft You're unlikely to find a safe method to avoid identity theft. In fact, monitoring services only alert you when something is wrong. There are 11 ways you're able to do that will make it much difficult for identity criminals. 1. You can freeze your credit The three major credit bureausincluding Equifax, Experian and TransUnion The three major credit bureaus -- Equifax, Experian and TransUnion -- have access your information, meaning that your credit files can't be opened. You can freeze your credit and unfreeze whenever you wish to open an account and it provides the best security against identity thieves using your personal information to open a new bank account. 2. Secure your Social Security number. You Social Security number is the principal number for your personal information. Make sure you protect it as best as you can. If you're asked for your number, ask the reason why you need it and how it can be protected. Don't carry your card in your pocket. Make sure you securely store or destroy any paperwork with your Social Security number. 3. Be alert to phishing and fraud The calls they make seem to be from government or business entities or even emails that appear to be legitimate could be attempts to steal your personal information. Request a callback, or send an email yourself, working from a known organization, such as the official website, instead of answering a call or email. Be wary of attachments -- Many contain malware. 4. Make sure you use strong passwords and include an authentication step Use a password manager create and store complex, unique passwords for your accounts. Don't reuse passwords. By using an authenticator, you can reduce your risk. Don't depend upon security checks to keep your accounts safe; your mother's maiden and pet's name are easy to track down. Think carefully about what you post on to ensure that you don't divulge crucial information or provide clues as to the way you respond to security questions. 5. Use alerts Many financial institutions will text or email you when transactions are made on your accounts. Register so you are aware of when and where your credit cards are being used and when there are withdrawals or deposits to financial accounts, and much more. 6. Keep an eye on your mailbox Stolen mail is one of the most common routes to an identity being stolen. Keep your mail in a safe place if you're away from home. You might want to consider using a U.S. Postal Service-approved lockable mailbox. You can also sign up for through the USPS, which gives you the ability to preview your mail so you can determine if something is missing. 7. Shred, shred, shred Any bank, credit card or investments statements someone could find in your trash shouldn't be there in first place. Shred junk mail, too particularly preapproved offers of credit. 8. Make use of a digital wallet If you're shopping on the internet or in a shop, use a digital wallet, an app containing digitally secured versions of credit and debit cards. It can be used to shop online or use an ATM that's compatible with. Transactions are tokenized and encrypted making them more secure. In addition, contactless transactions are less risky for health. 9. Protect your mobile devices . According to Javelin's report just 48percent of us secure our smartphones. Use passwords on your electronic devices. Use a banking app instead of a mobile browser to manage your banking. 10. Check your credit reports regularly The three major credit reporting bureaus are giving consumers free credit reports every week until the end of 2023, accessible via . Make sure your accounts are being reported properly and look for indications of fraud, like accounts that you do not recognize. You can sign up to receive alerts from NerdWallet to be alerted when there is a change. 11. Review medical and financial statements. Review your financial statements. Be sure to note every transaction. Be aware of due dates and contact to investigate if you do not receive your expected bill. Review "explanation of benefits" statements to ensure that you understand the benefits offered to protect yourself from health healthcare fraud. Know how your credit is scored Find your free score and the factors that impact it, as well as tips on how to continue building. Back to top 10 ways identity theft happens Here are a few ways that your personal information could be hacked: 1. Lost wallet When your wallet is damaged or lost, someone might be able to access all the information in it. Don't carry around your Social Security card or more credit cards than you use regularly and don't have a list of passwords and access codes in your wallet. Take photocopies of your credit cards, both front and back, and store them in a safe place in order to contact the issuer in case the card or wallet is stolen. Certain issuers let you briefly "turn off" the lost card, but for others, you need to cancel and get a new card. 2. Theft of the mailbox Someone gets your mail or forwards it at a new address, which means that you no longer receive the majority of mail. When you sign up, you'll receive an email with photos of the things that need to be delivered to your address so you'll know what's missing. Pick a safe mailbox and retrieve mail promptly. 3. Utilizing Wi-Fi that is available to the public. Hackers could detect what you are doing while using Wi-Fi that is free and public. Do not use Wi-Fi in public areas for banking, shopping, or other sensitive transactions. If you want to connect to public Wi-Fi, use a virtual private network service to create a secure connection. 4. Data breaches Hackers invade databases holding sensitive information, as those affected by the Equifax security breach at the credit bureau in 2017. Almost everyone has been affected by a . Consider that your information is out there, and take precautions accordingly. Unexpected changes could provide clues and you should read your reports on insurance and financials carefully. Keep an eye on your credit reports especially for any new inquiries or accounts that result from credit application. 5. SIM card swap This is the time when an individual . You may stop getting calls and texts or receive an alert that your phone is now activated. Create a PIN or password on your cellular account. You should consider using an app for authentication for accounts with sensitive financial information. 6. Phishing or the spoofing of Fraudsters may try to force individuals to divulge personal information including the number of your credit card, Social Security numbers and banking information via the appearance of an official email. Spoofing involves doing much the same thing with caller ID, in order to create the impression that the phone number appears to be the number of a trusted company or government agency. Do not give out personal information in response to a phone call or email. Find contact information from a trusted source like your bank's website, and use it to confirm whether the call or email is authentic. 7. Skimming Skimming involves obtaining credit card information, often via a small device when the credit card is utilized at a brick and mortar store, like a gas station or ATM. Use cards with chips, which have added protections. You can pay at the gas station if you can, because skimming devices tend to be placed at payment sites that are not monitored. Find out about fraudulent activity earlier by setting email or text alerts that notify you the moment your credit cards are being used. If you suspect that a card has been used without your permission, contact the card issuer immediately. 8. Phone scams It could be that you've won something, or that you're at risk of being detained. The caller claims to need your personal, bank or credit information to verify your identity or to know the best place to transfer money to you. Don't divulge any personal information on the phone. Pay attention to . The IRS for instance, does not contact taxpayers by phone (or email or social media) to ask for financial or personal information, nor does it call to threaten arrests or even lawsuits. 9. Looking over your shoulder The hackers can figure out a password just by watching your fingers while you type it into. The data that you have on your card can be captured using a smartphone while you shop on the internet in a public space. Businesses may expose sensitive data to the public where they could view it. Be aware of the surroundings. Do not leave your cards in places on the ground where they could be observed. Protect your hands when you type in passwords or codes. 10. Malware The act of opening an email attachment or visiting a site that has been hacked can download malicious software onto your computer, like keylogger. That does what it sounds like -it records every keystroke, giving criminals access to passwords accounts, passwords, and other information. Be careful when making clicks to attachments, hyperlinks in emails as well as on websites you go to. Make use of a password manager which allows you to avoid typing into your login credentials. Back to top How to report identity theft This is one-stop-shop for information and reports of identity theft. Start with that site, which is run through the Federal Trade Commission, and follow its recommended steps to develop a recovery strategy. It is also possible to call your local police department or your local police department, the Postal Service and the credit bureaus. The IRS has a hotline for identity theft, at 800-908-4490, and a site. You can also talk directly to your credit card company if your credit card was lost, stolen or utilized without your knowledge. If it appears someone else used your health insurance, make contact with your health insurer and consider contacting any involved providers to make sure someone else's health history isn't in any way a part of your own. Back to top What happens if you make a report of identity theft? Reporting identity theft starts an investigation as well as the process of getting your name back. The exact steps will depend on the nature of the identity theft. Credit card issuers typically replace the cards with new ones that have a different number, and you are back in business. Identity theft of taxpayers, or the theft of benefits generally will take longer to resolve. Whatever kind of identity theft you suffer, keep extensive notes about conversations over the phone, and also keep track of related emails. Back to top What is the best identity theft protection program? Security services for identity theft will let users know whether their personal information has been used, or that it is at risk because it was exposed in a data breach. If you've been the victim to identity theft, these services may also guide you -- and even reimburse you for expenses in the process of clearing the mess and rebuilding your identity. If you're already doing everything you can to secure your privacy or think you're too busy to take care of it You might think about a protection plan. They vary, but they all offer additional options to safeguard your privacy, as well as other options. The best choice among the paid options is one that fits your budget and offers you the coverage you care about. Before you buy one, however, make sure you make sure you don't have you're not making use of. If you choose to purchase, NerdWallet has reviews of: From top to bottom Author bio Bev O'Shea worked as a writer for credit at NerdWallet. Her work has been featured on the New York Times, Washington Post, MarketWatch and elsewhere. Similar to... Dive even deeper in Personal Finance Make all the right money moves If you have any concerns concerning where and ways to utilize payday loans las vegas no credit check online (https://moneyoa.ru), you can call us at the web site. |
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