Identity Theft

Have you ever thought much about identity theft?? Identity theft happens when someone uses your personal information to commit fraudulent acts or crimes. It is something that should be taken seriously as over 9 million Americans are taken advantage by in this manner every year. Identity theft can not only ruin your finances but can also be emotionally draining. In addition, Identity theft can occur whether the individual is living or deceased. 

By using another individuals information such as their name, address, social security number, or credit card number to purchase items or property, get loans, credit or services are committing identity fraud. Fraud has occurred in such occasions as to get official documents such as government issued IDs or passports, open accounts, obtain loans or government benefits or get goods or services. Moreover these frauds occurred with little regard to the individual whose ID had been stolen.

Individuals who have their identities stolen will find their finances and reputation are often damaged. Victims of identity fraud often have a hard time getting credit cards, mortgages or loans. So what is it that you can do to help prevent this from happening to you::

• be sure to shed all documents that contain personal or financial info before getting rid of them. ID thieves will often dumpster dive to find some shred of information they can use if all information is shredded it can not be used.
• Protect your social security number and only give out when absolutely needed
•  Often individual looking for information will call you on the phone claiming they work at a bank or credit card company and ask questions. Never give out any information to callers who you do not know

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