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http://identityprotection.homestead.com/index.html

Everyone loves shopping online; you save time and money, but at least you won’t need to fight for a parking spot in the hectic malls. In America almost everyone has a computer or at least knows how to operate one. People like the easy way out, and it has its own benefits. As technology grows things gets easier and risky for everyone. Well online shoppers needs to be aware of where and how they use their important ID such as credit or debit cards.
There’s very little you can do to prevent it, and you won’t know it’s happened to you until it’s too late. Identity theft is currently the fastest growing type of robbery in the United States. When a person steals someone’s identification without them knowing, and uses their information, the crime is called “Identity Theft”. Last Monday, the Fed arrested Albert Gonzales for cyber robbery. Federal prosecutors believe Albert Gonzales stole more than 130 million credit card data information making Albert the largest identity scammer.
Hacker main target to steal information from are major retail stores and banks. When a scammer steals a person’s personal information the only thing the thief can do is steal his money from a credit card or a bank account. Most identification scammers get caught is when they try to open a credit or a bank account, write bad checks or take out a loan from a bank, but living the victim with countless charges and years of bad credit on record. Identity scammers in United States have increased by 22% in 2008 from 2007. In 2008 nearly 10 million American’s identity was stolen.
Identity theft can happen to anyone, and don’t realize until you spend your next dollar and your credit card declines. To protect your personal information online as well as at home you need to purchase a shredder to shred all documents with personal information before throwing them away. Don’t send mail using your unsecured mailbox. Have your social security number changed if it is the same as your driver’s license number. Have a secured internet network Last but not least, have a confined place to keep your important and person information.
Although the work for scammer is hard, but only little information is needed such as your birth date, credit card numbers and social security number for a person to lose his identity information. Important thing that an online shopper can do is limit shopping online or never buy from unknown sites. Always shred all mails before throwing it away and make sure to check your credit report at least one time in year. If you do all those things to protect information, people like Albert Gonzales will never be able to steal someone’s information.

http://www.idwatchdog.com/index.php

Is my understanding correct? If not, what am I missing?

Wouldn’t it be better to contact the 3 credit companies and put a security freeze on our credit? Yes, it’s a hassle if we actually want credit, but then no one can get credit in our name, period. No hassles with laywers and ID theft insurance, because no one can get through to the credit companies.