Fight Identity Theft » HELP

Have you ever shopped online and felt hesitant about submitting your personal and credit card information? Well you should be. Every couple of seconds another person falls victim to identity theft. These days, more and more focus is placed on secure online transactions, but at the same time, the criminal element is also focusing on ways to steal your identity. Find out what you can do yourself to better protect against identity theft.

Protect personal and financial documents

If you are going to keep any personal or financial documents, it is best to keep them in a safe or invest in a safety deposit box. Thieves will do whatever it takes to get your information, don’t make it simple by leaving important documents out for everyone to see and take.

Shred the rest

If you do not plan on keeping important documents, make sure you shred them all. Invest in a personal shredder, preferably one that will also shred credit cards. Many times someone looking to steal your identity will stop at nothing, including digging through your trash or dumpster – it’s easy pickings for them.

Monitor account activity

Every month you need to check activity on your account – looking for unusual transactions and activity. It is best to also confirm your personal information is accurate. If you suddenly receive billings for credit cards you didn’t apply for, it could be that someone has applied for you! It is crucial that you verify all information and activity on a regular basis.

Don’t give out personal or financial information freely

Unless you are confident of the source, do not divulge account information, social security numbers, even address and phone numbers. Sometimes a thief will masquerade as a telemarketer in an attempt to get information from you. No matter how good an offer might be, don’t be foolish. It is possible for thieves to embed spyware and other malicious scripts and software into emails you receive – and now have access to your personal and financial information. If you do not know the source, do not even open it as that could trigger the software. Delete it without opening it.

Seek professional help

No, I am not labelling you as a nut-case in need of help, however, it might fit if you are lazy about monitoring your personal and financial information! What I am referring to is a company that helps to monitor your credit. They work 24/7 to ensure that all activity on your credit is legitimate and take action as needed. The fees for such services are minimal when you consider how much time, money, and grief they can save you in the long run.

Bottom line – you are ultimately responsible for the use, and abuse, of your personal information and credit. Usually someone does not realize they are a victim of identity theft until it is too late. On average, three months pass before you even know you have been hit. With all you can do yourself, it can still not be enough. Investing in the services of a credit monitoring company in combination with your own protective habits is the ultimate choice. To get more information on credit monitoring services, visit my website, http://protectionidentitytheft.blogspot.com/

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David Leonard Houde -
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David writes articles related to issues with relationships. Visit his web site: http://infidelity-cheating-affairs.blogspot.com/

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identity theft, credit fraud, identity fraud, phishing scams, identity protection, identity theft prevent

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David writes articles related to issues with relationships. Visit his web site: http://infidelity-cheating-affairs.blogspot.com/

Has Your Identity Been Stolen? Let Your Homeowners Insurance Help You Pick Up the Pieces

Mon, 06 Sep 2010 04:26:16 +0000

It seems like you can’t even turn around these days without hearing another story about how someone else has been the victim of identity theft…or could have been the victim of identity theft…or was almost the victim of identity theft but managed to nip it in the bud. Identity theft is the word on the tip of people’s tongues today when they’re talking about their personal security. Unfortunately, it’s a lot more than a buzz. It’s a very serious (and potentially very expensive) threat that everyone has to be prepared for.

The good news is, if you do find yourself the victim of identity theft your homeowners insurance could be standing by waiting to help you pick up the pieces.

No, your homeowners insurance isn’t going to be able to do a whole lot to help you work things out with your creditors if you owe money as a result of someone ripping off your identity. You’re on your own there. The good news is, most creditors are already knowledgeable in the ins and outs of identity theft and are standing by waiting to help you reclaim your identity-usually with very minimal damage to your checkbook. (The average victim of identity theft usually pays only $50 or less per creditor to settle false identity claims.)

The catch is, how many government agencies and credit companies do you know that regularly do business on weekends and evenings? Few to none? Yep, unfortunately, most of the agencies you’re going to have to work with to reclaim your identity keep banker’s hours, which is great news for the people they’ve got working for them but doesn’t work out so well for you! Studies show that while you may only pay $50 to settle your claims, you’re going to miss an average of 172 hours of work going to offices, filling out paperwork and making phone calls to do it.

That’s almost an entire month’s paycheck. Can you afford to live with no income for an entire month? Even if your vacation time covers it, don’t you have something better to do with that? If not, we can give you a few suggestions!

Your homeowners insurance company can step in and help you reclaim your lost wages under your identity theft protection insurance (which may or may not be a standard part of your coverage policy-you may find you have to pay a little extra each year, although it’s still far less than you’ll lose in wages). They’ll also help you pay for any long distance phone calls and postage, since those can get fairly pricey, fairly quickly.

Then there’s the lawyer.

There’s no limits to the amount of damage a person can do if they steal your identity. You may find yourself in need of legal assistance to help you straighten things out-and a good lawyer doesn’t come cheap! Your homeowners insurance will help cover the cost of your legal expenses so you can get your life back-as soon as possible.

Tony Peck is the Senior Project Manager at QuoteScout.com. To learn more about homeowners insurance and identity theft, visit them on the web at http://www.QuoteScout.com.

Forensic Accountants – Forensic Accountants Help To Stop Fraudulent Acts

Mon, 30 Aug 2010 04:21:56 +0000

Forensic accounting is a rapidly growing field of accounting. This stream offers the most exciting and rewarding career choices. Forensic Accountants have the ability to use their mind and skill set to look at the financials of a situation and figure out enough details to put fraudsters away. In organizations, fraud is becoming an ever-increasing problem; so the importance of forensic accountants has also increased.

Although technology has made life easier for us, it has also given people ample opportunity to commit fraud on a large scale and get away with it fairly easily. Organizations lose billions of dollars per year because of fraudulent activities taking place in an organization. Identity theft is one of the crucial problems. Personal information of any person can be easily tracked. The cost of fraud is at an all time high. Forensic accounting is considered to be one of the best ways to stop fraudsters in their tracks and recover all of that lost money.

Forensic accountants are employed by government agencies like the FBI, the Internal Revenue Service and also by companies to track down interior frauds that normal auditors might not be able to find. Individuals such as divorcees can hire such accountants to uncover hidden assets.

This branch of accounting centers around two main areas, litigation support and investigation. Forensic accountants who are involved in litigation support figure out the amount lost by parties in a legal dispute and testify as an expert witness in trials. They use their extensive knowledge in the field of crime fighting and financial measures to convict criminals who have, through fraud, stolen assets from companies. They can also settle legal disputes between parties.Investigation is yet another area of forensic accounting. The financial accountants involved in this domain have thorough knowledge of financial aspects and can take financial measures to find facts required for catching criminals. Forensic accountants can trace out if employee theft, securities fraud, identity theft, or insurance fraud has occurred.

Forensic accountants help to prosecute those that have committed the criminal act of fraud.

For more information regarding: forensic accountants, forensic accounting and find an accountant. Please visit: http://www.accountant-search.com

How to Help Minimize Identity Theft

Fri, 20 Aug 2010 04:24:50 +0000

In order to avoid the increasing problem of identity theft, you need to be aware of the tell tale signs and take as many measures as possible to reduce this type of fraud. A few helpful points are mentioned below.

Remember to check your credit reports on a yearly basis. This not only helps you to keep track of your credit rating but most of all it can be the first indicator of fraudulent activity taking place in your name. You are entitled to one free credit report per annum plus additional reports may be available if you have previously been a victim of identity theft.

Keep all personal information and identification private and if you are in any doubt as to how personal information will be used, then simply do not give it out. Any documentation displaying your name, address, credit card account numbers and pin numbers should be destroyed thoroughly prior to being discarded, especially supermarket receipts where you have settled the bill by credit card payment. If you need to keep it, then keep it somewhere safe. If you don’t need to keep it – shred it!

Most of us use passwords on a daily basis for various personal accounts we hold. Make sure you use a different password for each account and make the password a combination of numbers and letters, lower and upper case, the more complicated the better. Its sensible not to use your birth date – remember, the more unusual the combination the less chance of someone working it out. Try to commit passwords, pin numbers and social security numbers to memory instead of keeping a record on paper.

How to Help Reduce On-line Identity Theft

In this day and age we nearly all use the internet as a convenient means of purchasing goods along with carrying out our regular banking transactions. It’s a good idea to install a recommended anti-virus software on our computers and to scan the content of our files at frequent intervals. We should maintain this security level by updating the software as and when necessary. Links and attachments received in the in-box of your email account, should not be opened unless you know for sure where they have originated from. On-line identity theft is becoming more and more prevalent. Fraudsters are persevering with fresh ways to gain access to your details, resulting in ongoing research being carried out into new methods of protection. A Firewall program is just one solution to protect your computer from these fraudsters, along with a secure browser to protect on-line transactions.

It is important that we all help each other to combat identity theft. Reach out to others, the young and the vulnerable, family and friends, show them where information can be found to keep updated on issues relating to identity theft, in order to make sure we are all doing as much as we can to keep our identities as safe as possible.

Take steps to safeguard your private and personal information. Help reach out to others you know to alert them to this info for their safety. Print out helpful articles like this and share copies with others, even emailing them as well to help others stay safe online and off. And bookmark helpful sites and blogs and subscribe to them, to stay advised of alerts and updates regarding identity theft issues and topics are also great ideas

Author and internet entrepreneur Bernard Pragides offers expert advice and tips regarding identity theft. Learn more about identity theft and fraud by visiting his blog at http://www.lifelockblog.com for more helpful information.

Ask Your Credit Card Company for Help Fighting Bogus Charges

Mon, 26 Jul 2010 04:22:42 +0000

It happens to people every day. They open up their credit card statement and see a few charges that don’t ring a bell. They may think about it for a while, wondering if they may have paid for something that they don’t remember. If this describes you, you may be dealing with bogus charges on your credit card that need to be dealt with right away.

The first thing you should do is call your credit card company. The best credit cards have customer service specialists that know just how to deal with this kind of a call. They will help you sort through the charges that you are not sure about and try to find you more information about the charge.

Sometimes, it’s a simple mistake. It could be that you purchased something from a company that you thought had one name, but their mother company really had a different name and that is where the credit card was run, putting an unfamiliar payee on your credit card statement.

If you’re still not sure, the credit card company should work to pull out more information from the original transaction. Usually this will include a phone number so you can call the person who put the charge through and ask them for details of the transaction.

While all of this is being done, many of the best credit cards will lock down your account. This is a precautionary measure to keep any more bogus charges from going through on your account until the problem can be sorted out.

If you do come to find that your account has in fact been compromised, it’s time to cut your ties to that card. The credit card company will take care of the process of closing that account for you and transferring your information to a new account. This means you will have to wait for a new card to arrive in the mail before you will be able to charge anything new. It also means that any crooks with your information can’t use it either.

Next, talk to your credit card company about how to get restitution for the charges that were made on your account. Many of the best credit cards have a program in place where they will refund your money if you report the problem in a timely manner.

Finally, you need to work to prevent this type of thing from happening again. The best way to do this is to keep a closer eye on your credit card. Most credit card companies will allow you to use your home computer to keep tabs of what is happening on your account.

Stephen Sikes is the owner of the credit card comparison site
www.CreditCardWave.com

Visit the site to read articles and reviews on the best ways to utilize credit cards.

You can compare and apply online for top personal and business credit cards.

Finding Identity Theft Help

Sun, 04 Jul 2010 04:24:52 +0000

Identity theft is a growing problem for millions of Americans. Over nine million people are affected by identity theft each year. If you are a victim, it can be life changing. However, there are a variety of things you can do to both prevent identity theft and get your life back on track should you become a victim.

One of the most important steps in avoiding identity theft is to review your consumer credit reports each year. You can contact the three main credit bureaus and request copies of your credit history. This will give you an accurate idea of any open credit you have, as well as any major purchases made using your credit. It will also give you a view of how many times your credit report has been pulled.

Anytime you have documents with personal information, you will want to shred them, versus simply throwing them in the trash. You can purchase a shredder fairly cheaply. Be sure to purchase one that cross shreds, so that your documents cannot be pieced back together.

You can also take your mail directly to the US Postal mailbox, versus placing your mail in your house mailbox. This helps avoid criminals being able to snatch your bills or other personal information you are sending through the mail.

If you are going away for any period of time, you will want to make sure that you completely stop your mail. You can request that the post office hold your mail until you return. Likewise, you do not want to leave any mail in your mailbox over night. As soon as your mail comes, bring it inside so that thieves cannot get a hold of it.

If you have lost a credit card, report it immediately. This way, a block can be put on the account or if need be, it can be closed completely and a new number can be issued. As well, if you have requested a new credit and have not received it in a timely manner, be sure to contact the company to let them know. Once you received your credit card, be sure to sign it immediately.

Should you suspect you have been a victim of identity theft, you will need to take some immediate steps. Contact the credit bureaus and have a fraud alert placed on your credit. Next, you will want to contact all of your creditors and banks, both by phone and in writing and report the crime. Be sure to record the names and phone numbers of each person you have talked with and discussed your case with, as well as the date and time of that discussion.

You will also want to file a complaint with the Federal Trade Commission. They have counselors than can help you in resolving any issues you may have. They can help you get your life back under control and help you move forward.

Identity theft is an increasing problem that affects millions of Americans. There are a variety of different steps you can take to help avoid identity theft. Likewise, should you become a victim of identity theft, there are steps you can take to get your life back on track and regain control of your financial situation.

For more insights and additional information about finding Identity Theft Help please visit our web site at http://www.idtheftprotectiontips.com

Do you need Identity Theft Protection? I can help you?

Wed, 02 Jun 2010 04:25:50 +0000

How to prevent Identity theft? PLEASE HELP?

Tue, 01 Jun 2010 04:23:14 +0000

I lost my wallet in high school on friday right before the memorial day weekend.
In it i had my Driver’s license, my ID, Humana insurance, and Dental Insurance, as well a PayPal debit card too. I reported a stolen or lost card for the paypal, but I don’t know what should I do for the Driver’s License. When I go to their website it says that they’re going to send me a duplicate. I’m scared that the founder may use this against me by getting credits and all kinds of stuff on my name some day.
WHat should I do now?
I tried to look for it, but after many tries and going to the lost and found and the office, I couldn’t find it!

Any suggestions will be good!

THANK YOU

does deleting browsing history help with identity theft protection? i buy stuff online?

Thu, 27 May 2010 04:24:23 +0000

am worried about the news about using the internet and phone to buy things…

Help!!! my cousin omgd i rlly need help?

Mon, 24 May 2010 04:27:33 +0000

My 1st cousin is on my dad’s side of the family and since I don’t have a mom and I know my dad’s side more I like my dad’s side. I have so many cousin’s and my family members live all around the world. Although my 1st cousin and his brother live like in Sterling and I live in Virgina so were pretty close comparing to my other cousin’s who live in California and Canada etc. I love my 1st cousin’s so much. We were all close when I was 4 we all used to be favorite cousin’s of each other. Then since I was 4-7 we always spent Sunday together as a family day for I think 3 year’s in a row. You think there’s no problem huh? Well I’m getting there so yea we all loved each other and all that. Then for some reason we stopped seeing each other. I don’t know why, then after that i only saw my cousin’s maybe on my birthday or something like a special thing so about 2 or 3 times a year. When i was 1o I got a face book and I found my cousin’s brother I added him and he confirmed me he told me his brother had a face book and I added him and he confirmed me ). We talked and taught me and my cousin should go hang out 1 day and we hanged out at the mall. Which was okay. Then yea we were good. Here’s where the big problem comes in my boyfriend wanted to have s*x with me and I told him No! So he founded my cousin on face book and added him and kept on sending him messages saying tell your cousin to have s*x with me (because my bf knew that i listened to my cousin) and my cousin ignored his friend request and didn’t respond to any of his messages. This kept happening for about a month until my cousin blocked him. Then my bf kept on calling him then hanging up (prank calling) which my cousin even got more upset and started cussing. My cousin taught i gave him his number I didn’t my bf got it from the internet. My bf messaged me saying babe your cousin’s number is on the internet and that’s how i got it. When my cousin got his 2nd job it was around my house so my cousin has to come to my house to sleep sometimes. 1 time he came and i was home so i told him Andi got your number from the internet I didn’t give it to him. He said my # is not on the internet. When he left I sent him a message showing him where his number was online. He didn’t reply. My cousin would barely talk to me or look at me. 2 days ago he came to my house with a nicer attitude and talked to me a little more. I guess he got my message . He even talked about my birthday and how he would come to my birthday party. Which was nice of him even though we both had some fights.
My second problem is that when me and my cousin started fighting i kinda screwed up in school. I was the best student in the class and my teacher asked my best friend hey what’s up with Sahar she’s the best student she’s messing up. Of course best friend’s tell each other everything. So I told Nazanin about me and my cousin. She made a different face book (we share 1) her own account,found my cousin started talking to him and you know messaging texting all that stuff. My cousin said put a picture of yourself so he knew that he was talking to a 21 year old girl. So she went on my account and then took a picture of one my family friend because shes really pretty. Put it on her account, and told my cousin that was her. She text messaged my cousin saying hey let’s meet up at the mall and my cousin was like sure. So a few days before saturday my friend told me all about this and she said she had to talk to Mitra to tell her to come to the mall so it looked like my cousin was talking to her. Because if my friend just went to the mall she doesn’t even look like my Mitra so we needed Mitra to come and to the mall. So she screwed up so I sent Mitra a message saying we need to talk. She said what Nazanin did was identity theft. Nazanin did this so me and my cousin can meet at the mall face to face and talk to each other clear out the air and be back to the way we were when we were both favorite cousin’s and how close we were.That’s why she did this. Mitra called my cousin and told him but my cousin knew from the beginning and he taught i was behind this. I didn’t know until Nazanin told me. I just told Mitra so we could get help. I wasn’t behind this. Mitra now understand’s why we did this and is not upset with us. I don’t know about my cousin but she think’s that my cousin is not upset and want’s to forget about it. What do you think?
I want to talk to him and apologize about everything we have had some other problems. He won’t pick up his phone, he wont respond to my messages I send to him on facebook. The next time i might see him is on my birthday in a week or the persian new year less than a month. Maybe i can talk to him and maybe we can start fresh to be favorite cousin’s again. What do you think any help?
P.S. hes 24 I’m 11 and his bro who’s not too upset with me is 20. All I did to his bro was *67 the number when i called him 1 time and sometimes annoyed him a little but that’s prett