What Is Identity Theft?
What is identity theft?.…..Identity theft affects millions of people each year. You can learn how to make protecting yourself from identity theft part of your daily routine.
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Identity theft has been the number one complaint filed with the Federal Trade Commission for many years now. Millions of people are victims every year. This is why Identity Theft should be a major concern for everyone.
Identity Theft comes in many forms. Some of the most common include:
Credit card fraud
Social security fraud
Fraudulent withdrawals from a bank account
Fraud involving the use of a telephone calling card
False applications for new credit
If you’re concerned about protecting your personal information, you may consider paying for identity theft protection services. But before you pay any fees, evaluate the company and its track record. Type the name of the company or product into a search engine along with words like “review,” “complaint,” or “scam.” Be sure to read a few reviews — don’t rely on just one source. Or, you may decide to take matters into your own hands by reviewing your credit reports on a regular basis or placing a credit freeze on your report.
Based on feedback from my clients, I recommend: IdentityForce.
I know from working with my clients how devastating identity theft can be to your financial well-being. If you have any questions or find yourself a victim of identity theft, don’t hesitate to contact me with any questions you may have.
Why are 50+ Americans at an elevated risk for identity theft?
Identity thieves are always looking for the most fruitful opportunities, and seniors tend to have stronger financial standing and more readily available cash than other demographics. In addition, older Americans are one of the fastest-growing populations for new Internet users—so as more of their information becomes available online, the threat increases.
What are some precautions I can take right now to help prevent identity theft?
- Stay up-to-date on popular phone and email scams targeting the older population.
- Place fraud alerts or even a credit freeze to keep an extra close watch on your information.
- Help reduce your amount of unsolicited (junk) mail to avoid mail scams.
- Ensure your smartphones, tablets and other devices are up-to-date with antivirus software.
- Request background checks and references for all caretakers, housekeepers, etc.
- If caretakers come to your house, make sure all sensitive information is locked away.
- Shred or burn documents that contain your personal information.
- Monitor bank statements and credit reports regularly for any suspicious activity.
- Be aware of caretakers/friends/acquaintances who constantly complain about financial hardship.
- Don’t carry social security cards in wallets or purses.