There is a drastic increase in the happenings of identity fraud. You will have to little cautious and must be aware as to how to protect yourself from identity theft. Let us look in detail about certain things.
Define identity theft
Though there are many ways to define identity theft, a simple term states that: It is an illegal crime or an illegal activity carried out by an individual with an intention to steal someone’s personal information in a smart way so as to misuse it for their benefits.
How to protect yourself from identity theft?
Identity theft shield is something which you must really use so that you can keep yourself safe and secured. By availing identity theft shield services, you can be tension free and let the service providers look after your belongings in a proper way. Most of the identity theft occurs in online and thus you will have to be way too cautious about it while using.
It is no more a hidden secret that most of the hackers wait for innocent people like you in internet. This is the best way through which they can reach all your personal information. They reach you with the help of emails, phishing links etc. They act as fake individuals on behalf of a reputed company and there are people who believe in them and begin to respond them immediately. This is when you really fall into their trap. You can see a lot of mails saying that you have won a huge cash prize and to get it, you will have to reply with your personal information like name, address, phone number, bank account number, credit card number and so on. Some people might not be aware of this and they reply to such mails right away. This is the biggest mistake which they do. Now the information reaches them and they use all your personal information to misuse it. Never ever do such mistake. Apart from mails, there are even some hackers who disguise themselves as an employee of certain banks and then call you up. Then they ask you for all your information. You shouldn’t give you details over the phone to some strange person even if they say that they are from bank.
The next place where identity theft happens is none other than through online websites. There are many websites through which scammers get to you. They ask your personal information through some websites and as you enter in all the details by submitting, it will reach them. In this way, cyber criminals can steal all your personal data.
Apart from this, you must always type the important websites of banks and other networking sites manually in the address bar. This is the ideal and safe way to protect you from getting hacked.
You must always keep an eye on “HTTP protocol”. It shouldn’t be https. The character “s” shouldn’t be there in http. Always check the web address before you use it. Make sure that the website uses a secured server and it is completely trustworthy.
Whenever you use internet in your computer, ensure if the firewall option is enabled. A firewall helps the computer to be protected all the time and makes sure that there are no viruses entering in. if you don’t have an antivirus software, then you need to avail one. There are much free as well as paid software. Research about which is the best and take the one that can offer you with enhanced option for security.
Something which really disturbs us when we are using various websites is none other than online identity theft. Internet fraud has grown to vast extent these days. Identity fraud is the common crimes which are occurring these days often to a lot of people. We cannot regret or blame someone later when you have become a victim. Internet is the massive resource through which identity fraud can happen easily. It is our responsibility to be assertive and careful while surfing the internet. When you sign-in make sure that there is an enhanced identity theft protection login. With the help of this enhanced identity theft protection login, you can be completely secured in what you are doing. You can be protected from internet fraud that is happening out there. Identity fraud is something through which cyber criminals very smartly steal all your personal information without even making you realize it. Most of them happen during online shopping. You might enter all your personal details like: info of your credit card, SSN, bank account numbers and so on. If the website isn’t SSL integrated, then there are large chances that hackers can steal all this personal information and misuse it for their needs. You can prevent yourself from online identity fraud by reading the below things.
The first and foremost, never ever do the mistake of giving out your SSN number to anyone. Either online or directly, don’t do it. It is the biggest mistake which people do.
While making some online purchases, make sure that its website has a much secured server for handling all your personal information which you enter. Investigate about the website properly before placing an order. The most important thing which you will have to check is that there isn’t use of the character “s” at end of “http”. It has to be http and not https. If you aren’t sure about the security of an online shopping website, then quit right away and use a reputed as well as trusted one.
You will have to check if the computer you are working on has a good anti-virus installed to it. A good antivirus program protects from all the unwanted viruses from entering inside your computer. While using internet, ensure that the firewall option is enabled. If you don’t have antivirus software, then it is better to avail a good one. You can use Avast or AVG for free. Both the products are excellent in blocking all the viruses from entering inside.
One of the biggest mistakes which people do is none other than giving out the PIN number as well as passwords and other personal information to various website. Hackers are always on the hunt to trap you. They can easily steal your personal information that you enter into some website. You will have to be careful with the website that you use.
The best way to protect yourself from being a victim of identity theft is none other than by staying careful and alert all the time. It is well said that “Prevention is better than cure”. Hence to really protect yourself from worse things happening to you, it is better to avoid it. This is the ideal way for being protected. Anything can happen at any point of time and you cannot predict as to how things happen. Thus be completely careful. Hope now you might have got lot of information about the identity fraud that is happening online and the different types of ways you can avoid them to be safe.
You might have heard lot of identity theft stories about people becoming victim easily. There are even certain true identity theft stories where people get into trouble for no reasons. There are many identity theft facts which you must be aware about. One of the identity theft facts you should know is that they occur mostly in online and hence you will have to be very cautious while doing online shopping. Internet is the main source where people can easily commit crimes and it is little hard to find them out because they are too smart. They don’t even make you realize that they are stealing things from you. Let us look in detail about online identity theft.
Online identity theft
You can easily prevent identity theft happening to you through online. Let us look how.
Be very cautious when you are sharing some important files with the help of your computer. File sharing is an activity which you might do it often and even daily in few cases. There is plethora of file-sharing websites which offer their services for free and can be used at any point of time. Thus it is very easy for the cyber criminals to enter into these websites and grab your data. You will have to read entire terms and conditions of a file-sharing software and then make a download. You will have to research and collect as many information you can.
There can be many online identity thefts happening with a broadband connection and thus it is better to disconnect the computer from it. You might be taking up too many risks, if you are operating in this way. There are big possibilities that hackers or cyber criminals access your account and take out all your personal information. In this way, they can misuse everything with your account and you might not even realize it and it will be too late before you know about it.
Most of the fraud activities happen when you get a mail saying that you have won so much amount of money and you can claim it once you fill in all the details. These details will be about your account number and other personal info which you aren’t supposed to tell it out. But there are few people who easily get trapped and fill in all their details and this is the biggest mistake of their life. Never ever replay do those mails because they are scams. This concept is called as “phishing” and you should keep yourself far from such phishing frauds.
Next, you will have to be very careful while emailing. This is the best place where identity theft happens. Never do the mistake of sending your SSN, credit card number, debit card number, work details and other PINs as well as passwords to others through an email. Cyber criminals are always on the watch and they always look for trapping innocent people like you.
To be completely safe, you will have to use good and reputed security software that helps in carrying out all the things properly. Without the use of security software, there can be increased risks in online. There are many security service providers but you will have to use the one that suits all your needs and which guarantees protection against identity theft and virus. Make sure that the firewall option is enables whenever you use internet because this is the way through which you can easily protect from all the virus and malware.
There are many people who literally have become victims of identity theft and once you come to know that you have been cheated, it is important to report identity theft. You might be wondering how to report identity theft. This article will help you in knowing this.
How to report identity theft?
Unfortunately if you become a victim, then reporting identity theft is mandatory. You should act immediately in order to block the thieves to further use your account illegally. There are many people who become a victim but never file a report against it. This is the biggest mistake which people do. You must report it immediately so that you will be damaged less. When you are dealing with all the authorities and other financial institutions, then it is always good to maintain a log containing all the conversations, names, contact numbers and dates. To report identity theft, you consider the below things.
Reporting identity theft has to be done immediately at the time you realize it. Never do the mistake of delaying it. You need to contact fraud departments and every 3 credit agencies: Equifax, TransUnion and Experian. You need to explain them that you have become a victim of identity theft and then request them to place a fraud alert. Order some copies of your credit reports from those credit bureaus. Each year you will get a free copy of your credit report and make it a habit of checking it so that you can find if there are any errors. Once you order for the credit reports, you need to check them properly to see if there are any errors. This is the first initial step you should do. Second step is to report it to your creditor where you have opened your account. The creditors will have many phone companies, lenders and other contacts with banks. They might help you in informing it to other financial institutions. It is also good to follow with a formal letter as well. It is very essential that you write to all the credit card companies and make them notify so that there is better consumer protection. Next step is to open a brand new account and close the old ones. Replace all your old passwords and PINs with new ones. Make sure that the passwords are too strong and make use of special characters as well. Now you will have to file the report to the police community that is residing in local. You need to tell them as to where and when an identity theft happened to you. Make sure that you get the copy of police report because there are times when credit card companies, banks and other financial sectors might ask you to show a police report that you have filed. With the help of a police report, you can easily deal with the creditors and banks.
A complete identity theft report will contain 2 documents and both the files have to be filed instantly. Once you file it, you will have to keep a copy of it. One is called the Identity theft Complaint form and which can be acquired from FTC- Federal Trade Commission. You can reach the FTC through the helpline number: 1-877-438-4338. The other one is called as identity crime report and should be filed according to law-enforcement officials. You need to maintain a copy of both of these forms and you can acquire these forms with the help of government official website. Store all the signed documents carefully because you might need them in future.
Burglaries and identity theft are getting in abundance these days. It is our responsibility to take care of our belongings wherever we are. There are many identity protector services which are helping people to protect their things in an easy way. Let us look in detail about certain things.
What is identity theft?
This question – “what is identity theft” is something that is asked by lot of people. There are people who still don’t know what an identity theft is. Though there are many definitions for it, in simple terms identity theft refers to stealing up of your personal as well as financial information in an illegal way. Identity theft can happen to you at any point of time by any criminal. It is always good to use an identity protector so that you don’t have to be worried all the time.
Enhanced identity theft protection
Rather than regretting for what you have lost, it is better to prevent the ways through which criminals can reach you. Enhanced identity theft protections are very essential and let us know what are the various thins that can help you protect yourself.
The first and foremost is to protect the SSN (Social Security Number) which you own. Never ever do the mistake of screaming it loudly in public places.
Don’t give your social security number, credit card number, debit card number and other personal information to some stranger over a phone or mail. There are people who say that they are from banking and they are in need of your personal data. They are none other can hackers who are smoothly trying to hoodwink or trap you.
Never ever do the mistake of carrying your wallet with your SSN unless it is really required.
Don’t do the mistake of tossing your credit card receipts in a public dust bin.
Never write your SSN number or driving license number or credit/debit card number on checks.
It is always good to request your financial institution to add some extra protection to the account you hold.
Be very careful while using an ATM machine.
If you are issuing checks, then always use some gel pens.
Never ever do the mistake of mailing checks to someone. This is where many scams happen.
Create PIN and passwords in a unique way. Never use your names or other personal info as your passwords. Make it strong by using special characters in between.
Memorize all the passwords you have and don’t do the mistake of recording everything down in wallet.
If possible carry less credit cards and debit cards.
Shield all your information so that they can be safe. You need to sustain all your personal things like: debit cards, credit cards, investments, telephone numbers, bank accounts, address proofs etc in a secured locking cabinet so that they can be safe.
Rather than using debit cards, always make use of credit cards when you are doing online shopping. It is always good to get a bill from the checking account.
Have a locked mail-box installed at your home so that you can protect yourself from identity theft.
Always have the habit of checking your financial information often. You have complete right to get a copy of credit report every year from 3 credit agencies: TransUnion, Equifax and Experian. If you probably are a victim of id theft then your credit report will show it.
It is important that you review your bank statements, phone statements, telephone bills and credit card statements each month.
Use the services of well known identity theft protecting companies so that you can be secured and they will take care of your belongings. Even if there is a fraud activity taking place with your account, it can be alerted to you.
Today crimes are happening every single day. It has become important to safeguard our belongings with the help of identity theft insurance services or identify theft protection services. The growth rate of identity theft is been drastically increasing. The thieves steal all your personal information in a very cunning or smart way and make a misuse of it. At the end you will be into trouble in spite of not doing anything. This case has happened to many people and it is always the innocent who face many problems. This is why it is important to make use of id theft protection. There are many services in the market today who offer solutions to the people in safeguarding their personal things. You need to make a thorough review on it before you choose a service. You need to pick the right one based on your needs. All they do is charge you monthly for using their protection service. The following are the things to consider regarding a security service before you select them:
You need to make sure that if the service is able to offer daily or weekly or monthly credit monitoring. It is better if there is monitoring on every day basis because you may never know what happens. What if your identity is being stolen and the service provides monitoring on weekly or monthly basis? Those times can really be frustrating.
The service must be able to provide services like: id protection services, fraud alerts, credit reports, credit card monitoring etc.
The service should be able to monitor all the 3 credit bureaus because there are certain services that only monitor any one agency which becomes a disadvantage. Make sure that the service is able to monitor the 3 credit agencies.
It must be able to provide unlimited access to the credit scores. There are services that do not provide any kind of access to the FICO score which becomes a real time disadvantage.
It should be able to give good customer services and it must be readily available 24×7 for the customers who need help.
It should be able to offer insurance even if it is not able to recover all the damages from the identity theft.
The following are the top 3 identity theft insurance services which are used widely in the world:
Identity Guard Total Protection: This service has new features and every subscription comes with the free download of “Alarm Internet Security Suite” which generally costs $49.99. It includes an anti-virus, anti-phishing, hourly updates, anti-spam and firewall. It is the best tool to help you in identifying the areas of identity theft.
Life Lock: This is one of the best identity theft insurance services which provides a complete guarantee on protection and offers 1 million if there is any loss of identity theft by using this service. It also gives a service called “WalletLock” for free once you avail this service. In case the wallet is stolen, then a single phone call can help you to cancel all the bank cards and starts with the procedure of replacing all the essential documents. It also has another feature called “True Address” which helps in monitoring the national database and checks if there is any change made with the address you have provided. In this way it helps you in identifying the thieves.
Trusted ID: This is a security service which gives you $2000 in advance if you are really in need. It provides a credit analyzer which lets you to note the different ways on how your credit will be affected. It has an inbuilt automated tool which helps you in giving an alert if there is a fraud activity taking place.
Theft and burglary in these days has grown to an extreme extent. People face a lot of unwanted problems with it and sometimes wonder as to how to prevent identity theft. Well there are many ways to prevent them. You need to be very careful and aware whenever you step out of the house. There are many services in the market today who work only to protect your personal details. Before you decide to take up a security service, it is very important to go through the identity theft reviews associated with it. The following are the different ways as to how to prevent identity theft:
The first and foremost thing to do is to shred all your documents with the help of a “paper shredder”. The documents which are important and which contains your personal details need to be shred. This is the best way to protect you from theft.
Do not give any of your personal details over the internet or phone because there are many fraud things happening out there. There are many thieves who ring up and say that they are government officials and they are in need of your personal information. People blindly believe what they say and finally become a victim of theft. You need to keep all your personal information very private.
You need to often check the credit reports from the 3 main credit bureaus which are Equifax, TransUnion and Experian. In case there is an error in the reports, then you will have to immediately take an action.
You need to be very careful with the bills which arrive at your home every month. You need to check them very carefully because the thieves might steal the credit statements and get all your personal information.
Avoid using birth dates or SSN (Social security Number) as your passwords for the ATM. This is the easiest way for the thieves to get your personal information.
You need to be very cautious while giving the information to other persons. Unless it is not necessary, do not leak any of your personal information to other persons. Before giving the details to someone ask many questions to them regarding why they need it.
There are many hackers online who just wait for you to enter your personal details in the website. They send mails to you regarding the necessary personal details wanting from you and they even insert links in the mails so that you can click and get caught.
Unless it is not necessary, do not carry any of your personal things like: Social Security Number, debit cards, credit cards, passport etc.
When you are out for the work, you need to be very careful of your belongings. You need to be very aware with your purse or wallet because there are chances that thieves might steal it and get all your personal information.
Apart from the above points, you also need to have strong passwords. You need to know that any type of password has the ability to be cracked. Avoid keeping pet names or birthdays as your password. They aren’t strong enough to protect. It is shocking to know that there are hacking programs for passwords which are absolutely free to learn and through which anyone can hack them down in few minutes. It is very important that your password is a combination of U.L.N.S (Upper case letters. Lower case letters, Numbers, Special characters). If the password is strong enough, then there are very less chances of being cracked. You can also avail the security services to safeguard your personal details. There are many in the market but you need to see the identity theft reviews connected to it.