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ID Theft Prevention
Identity Theft Prevention...
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Check Your Credit Report Regularly
Darren Miller
1921
You may reprint or publish this article free of charge as long as the bylines are included. Original URL (The Web version of the article) ------------ http://www.defendingthenet.com/newsletters/CheckYourCreditReportRegularly.htm Title --------------------------- Check Your Credit Report Regularly Identity Theft & Your Credit Report ---------------------------- Identity theft is a type of fraud in which financial information is illegally obtained for the purpose of making unauthorized purchases and transactions with credit cards or funds from financial accounts. A thief can use your personal information such as your name, drivers license, Social Security number, health insurance, or bank account number, to make purchases as if they were you. If this happens, it could be the beginning of a financial disaster that could linger for years and cause you to lose job opportunities, be turned down for credit or loans, and in some cases, ruin your reputation. There are a lot of thing you can do to minimize the risk of becoming a victim of identity theft. This article focuses on obtaining and reviewing your credit report, quite similar to what we do when we perform network security assessments, believe it or not. What Is A Credit Report -------------------------- There are three major credit bureaus that collect, maintain, an distribute credit information about you. These companies are Experian, TransUnion, and Equifax. Some of the information you will find in your credit report is; personal information such as your legal name, alias names, addresses, current and previous employers, and date of birth; your credit summary such as current and past credit status, total number of open and closed accounts, the balances of accounts, if they are current or delinquent; public record information such as federal bankruptcy records, local government court records, liens, judgments, and child support records (information that can stay in your record for up to 10 years); credit inquires - when you apply for a credit card or loan, the institution will make an inquiry to one or more of the credit bureaus; detailed account history - very up to date information about your loan payments, credit card debt and payment history, and this information stays on your report indefinitely; credit score - a number ranging from 330 to 830, the higher the number the better your credit is and increases the chance of you obtaining a loan or credit account. Why Should You Check Your Credit Report Frequently -------------------------------------------------- If someone gets your Social Security number, it only takes a few additional pieces of information, which is quite easily obtained, to assume your identity. The Internet makes it even easier than ever because most of this information the criminal needs to get his hands on is out there. It is not my purpose to scare anyone, but I must tell you that if you think you are not at risk, you need to think again. The most common forms of identity theft include; credit card fraud, bank fraud, communications services, and fraudulent loans. The bad thing is that this type of fraud can negatively impact your life, the good thing is there are ways of monitoring what other people do with your identity. Do you know, that nearly all of the security assessments we perform, we find personal and financial information on work computers. What ever you do, do not store this kind information at your workplace. This is a sure fire way of becoming a victim of identity theft. If I had more room in this article I could tell you stories about identity theft and fraud that would make your hair stand on end. And, everyone of us are potential victims. Things You Can Do To Protect Yourself From Identity Theft ---------------------------- I've written other articles about identity theft, and I am sure I will write more. The bottom line is this is one of the worst things that can happen to you financially, and the risk of it happening is quite high. Some of the things you can do to minimize this risk besides regularly checking and monitoring your credit report is: Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information. Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else. Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what you email to people as well. Monitor your credit by obtaining a credit report from one of the three, if not all three, credit bureaus. They may be able to provide you with a consolidated report from all three companies. And, most of them have inexpensive monthly services that monitor your report for you and send you alerts when things change or inquiries are made on your account. Conclusion ---------- As a consumer, you need to take this issue of fraud and identity theft very seriously. Not only should this be important to you, but if you have a family, you should see it as an obligation to protect their future. As with any type of security issue, there is nothing 100% secure. However, you can take steps to minimize your risk and exposure. Remember, it is typically the easy target criminals focus their attention and efforts on. Obtain your credit report and review it thoroughly, you might be surprised by what you find. If you happen to see something that is not right, take immediate steps to clear it up.
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| Identity Theft Prevention... |
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Identity Theft
Preventing Identity Theft
By Gary Gresham
Preventing identity theft is never foolproof but here are
some good tips that will make it more difficult for
anyone to steal your personal information.
The first and most important step for preventing identity
theft is keeping a close watch on all of your personal
information and your credit report.
Check your credit reports from all three bureaus at least
once a year. Once you get your credit report check
carefully to see that everything is accurate.
If you find an error, dispute it immediately so you can
protect yourself from fraud.
Quite often similar names and similar social security
numbers get mixed up, or worse, someone could have stolen
your identity.
Another good way of preventing identity theft is don`t
carry your Social Security card or anything with your
Social Security number on it in your wallet.
Keeping your social security number private is a critical
part of preventing identity theft.
Also, don`t keep your bank card pin number in your wallet
because it helps a thief who has stolen your wallet help
themselves to your cash at an A.T.M.
In this age of computer hacking, preventing identity theft
also applies to the Internet.
If you use the Internet, make sure all your security
software is up to date and be careful of Internet scams.
Remember, no legitimate business will ever send you an e-
mail asking you to confirm your personal identifying
information.
Preventing identity theft means you never give out
personal information unless you initiated the contact or
you`re absolutely sure who you`re dealing with.
Another good way of preventing identity theft is be
especially careful about divulging your credit card
number over the phone to telemarketers.
Often the only goal is to obtain your name, address and
credit card number.
If you have to give your credit card number over the phone
for a hotel or airline reservation, use a regular corded
phone as opposed to a cordless or cell phone.
Make sure you report any lost or stolen credit cards
immediately for preventing identity theft.
The bottom line is be careful about divulging any personal
information about you.
If you use these tips you`ll have a much better chance at
preventing identity theft before it happens.
Gary Gresham is a mortgage loan officer and the webmaster
for http://www.credit-repair-facts.com (http://www.credit-
repair-facts.com). He offers you credit information, debt
elimination programs and informative facts that gives you
the knowledge to correct your own credit and credit
report.
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Identity Theft Prevention
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Prevent ID Theft...
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