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Disturbing Facts About Identity Theft

As I researched a series of articles about identity theft, I came across a lot of statistics.  The shudder down my spine grew colder and more intense with every number.

Did you know that only 20 percent of identity theft involves credit card fraud?  It’s true, according to the latest statistics available from the Federal Trade Commission.  Identity thieves use stolen information in countless ways.  Without giving the bad guys any ideas, let’s just say that they can mess up your entire life, not just your credit.

Furthermore, only 11 percent of identity theft is committed by high-tech methods, and 48 percent is committed by someone known to the victim.  This means that the receptionist at your dentist’s office or a hotel clerk is the one who is most likely to steal your identity, not the zit-faced hacker in the Ukraine.  Even if you shred every document, never lose your wallet, and never touch a computer, you can be victimized.  Unless you plan on physically looking over everyone’s shoulders all the time, you had better find another way to protect yourself.  

Why bother worrying about it?  Because identity theft is an easy crime to commit, and it is being committed more and more often, rising from 2007 to 2008 alone by 22 percent. In fact, the incidence of identity theft has risen steadily for the past decade.  With the economy mired in the doldrums, this trend will surely continue.  

Why is identity theft increasing?  Desperate people who wouldn’t otherwise turn to crime see it as almost a “victimless crime” since fraud protection laws now place most of the financial burden on banks.  These people get to work quickly once they have your information.

Here is another fact about identity theft:  The damage happens fast (usually beginning within one week of the information being acquired, according to the FTC), but it takes many aggravating hours (over 70 on average) to undo if it can be done at all.  Some people do not find out that they have been victimized until years later when the IRS audits them for income attributed to their Social Security number but not claimed on thier taxes.  Other people find out that the thief has committed other crimes and used thier stolen identity when caught.  Imagine learning that you’ve been arrested for burglary in another state!

The key to avoiding all this is to remember the adage, “Prevention is the best medicine.”  Identity theft is like a disease in the sense that preventing it is preferable to treatment.  In the event that you get the disease, early diagnosis and treatment are the best way to beat it.  

Which brings us to the good news:  Tools have been developed to help people protect themselves, and these are becoming better and less expensive all the time.  If you have anything to lose, the facts say you should look into them. 

Get more facts and identity theft protection tools!

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What You got to know About Identity Theft

Internet identification theft is really an important harmful criminal activity nowadays. As with any product all over marketplace, your identification can be copied and reproduced without your expertise and permission. Identification theft is now therefore typical which you would not know for certain whenever person you are coping with online is really the real individual with whom you’ll be carrying out organization. This will be now a massive and typical issue more than many years, and it is prevalence is turning into progressively alarming.

Identity thieves evolve over time, they could be expanding far more intelligent and sophisticated in the systems that they use to steal your identification. You won’t ever ever understand, that innocent-looking bystander behind perhaps you are skimming over your neck, taking note of each one of the private data you crucial into the laptop computer. Or, that friendly buddy in Facebook is out to have important details in terms of you, for him to make use of while he destroys your fiscal standing. Or it could actually be an obsessed ex-lover just who poses while you online, creating mad havoc inside personal life, harming your on the net reputation.

Web is truly a playground as huge since the universe, wherein anonymity is generally the video game that men and women perform. Someone who has actually hatred for you personally can use numerous accounts in a web-based discussion board, bashing your web title, producing it search like several individuals are talking about you maliciously. Any individual can do this. Any person may use your title on the internet. And they are in a position to smash your net reputation to smithereens without your information.

You’ll find in addition identity attackers who are able to grab your images online and use all of them maliciously. Numerous individuals, especially a-listers tend to be sufferers for this. These unscrupulous people can modify your image making it search like you was doing one thing awful, even dirty.

You will discover numerous approaches to destroy your on the net reputation as well as your web identity. It really is similar to increasingly being mugged literally, taking your wallet, your own points and posting them online for folks to discover. The outcomes may be really serious, because it could influence your own personal, fiscal and social standing. This can be each one of the more precise if you will never be even aware that your private identification was in fact stolen and damaged.

Should you be a newcomer on the net individual, you could be unaware of this, but your computer merchants an array of private information within your challenging drive. This information also can be stored within your web internet browser cache, short term web data and in addition your search background. Of course, this really is to come up with your browsing expertise greater, but these files include essential data this sort of as your e-mail deal with, passwords, bank card figures and also other personal data.

There are two techniques that the information could be taken from the laptop computer or computer: preliminary, your information transmission could be intercepted significantly more than a customer that is not secured, or by way of utilizing malicious applications created to get information and have them delivered towards hacker.

How does a particular steer clear of on line identity theft? The main and foremost point would be to be careful and careful. Only trust the both women and men you understand actually. Usually do not share your personal details with anyone online, also these you are in regular interaction with, as you’ll never ever determine if it could be undoubtedly your pal with whom you might-be talking or mailing with.

It’s also possible to disable the cookie function and this can be immediately activated within your web browser. In this manner, your login name, password, charge card information as well as other specific info is not likely to be conserved in your difficult drive. Succeed a habit to frequently delete the cookie files out of your web options.

It is also greatest to clean out your temporary net files folder together with the cache, which keeps fragile details. In this manner, you may well be capable of restrict possibility of a hacker finding it out of program.

You must in addition use a top-quality pc protection programs this kind of because the most recent variations of anti-virus and antispyware software program to constantly defend your laptop computer or computer against harmful applications. Your own personal computer system includes a firewall automatically, which should frequently be on, however, when you feel that which inadequate, you can easily use extra applications and software package towards safety.

The last, but definitely not the least, is always to keep an eye on your online reputation continuously. Maintain in thoughts that in the event that you can bash other’s title on the web, they will certainly do so back. The electrical energy of on-line anonymity is countless, for this reason online reports/websites tend to be turning into typical and richer through the an incredible number of grievances published on them every day, almost all of that are simply just created up, and maliciously therefore. Hold your title and identification secure, incase feasible, restrict posting your genuine title on-line.

In case you have been victimized by this currently, take intelligent steps to fight individual assaults produced against you. You’re able to speak to an specialist in online reputation management who can monitor the harmful attackers and aid restore your identification on the web. Simply hold in thoughts that it could be ideal to become conscious through the diverse opportunities accessible for your requirements.

If you want to learn more about identification theft security, kindly check-out review identification theft security reviews on our internet site.

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3 Things We've Learned About How Demographics, Credit Scores & Marital Status

Image from page 210 of “The world’s inhabitants; or, Mankind, animals, and plants; being a popular account of the races and nations of mankind, past and present, and the animals and plants inhabiting the great continents and principal islands” (1888)
credit score
Image by Internet Archive Book Images
Identifier: worldsinhabitant00bett
Title: The world’s inhabitants; or, Mankind, animals, and plants; being a popular account of the races and nations of mankind, past and present, and the animals and plants inhabiting the great continents and principal islands
Year: 1888 (1880s)
Authors: Bettany, G. T. (George Thomas), 1850-1891
Subjects: Civilization Culture
Publisher: London Ward, Lock
Contributing Library: Robarts – University of Toronto
Digitizing Sponsor: University of Toronto

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About This Book: Catalog Entry
View All Images: All Images From Book

Click here to view book online to see this illustration in context in a browseable online version of this book.

Text Appearing Before Image:
est sown in Greece morethan a score of centuries ago. At last Greece, having de- conquest bygenerated, was conquered by the northern State of Macedon, Macedon.half Greek, half barbarian; and Macedon, aided by Greece proper, sub-jugated Asia. This conquest diffused Greek culture and rule very widely,but weakened the Greeks at home. As our great Greek scholar, Professor Jebb, writers, The. Hellenesset the Hellenic stamp on everything which they create. Every elementof their life receives its mature shapefrom themselves, even when the germhas been borrowed; the Hellenes are anoriginal people in the sense that theyeither invent or transform. At a veryearly time they have the political life ofcities, and they never rise from the con-ception of the city to the higher unity ofthe nation. … As the leading commonrwealths grow to maturity, two principlesof government stand out in contrast—oligarchy and democracy. Each is re-presented by a great city round whichthe lesser States are grouped.

Text Appearing After Image:
THEMISTOCLES. OligarchyThe inevitable collision comes, and 1,1 / i- o – democracy, and the representative 01 de-mocracy is at last vanquished. But inthe hour of victory oligarchy is dis-credited by the selfish ambition of itschampion ; a time of political confusion follows, in which no one city cankeep a leading place. Separate interests prevail over, piinciples ; publicspirit declines. The dissension of the cities,—incurable because arisingfrom a deep inner decay,—-enables the crafty king of a half-barbariancountry to make himself the militar}^ dictator, of Greece. But just whenthe better days of Hellenic civiUsation seem to be over, a new career isopened to it. Men who are not of Hellenic hload help to diffuse theHellenic language, thought, and manners over a wider field, and the lifeof the modern Greek nation begins. The conquest of Macedonia and Greece by Eome finally destroyedtheir national life, while widely diffusing Greek culture andphilosophy, which greatly influenced th

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Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

3 Things We've Learned About How Demographics, Credit Scores & Marital Status
But the fact is that many insurers are basing your insurance quotes on data points that have nothing to do with driving, like your credit score, marital status, and ZIP code. New research shows that determining price using these types of demographic …
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US stores are about to pay up for security

US stores are about to pay up for security
If that happens and they buy, say, a diamond necklace, your bank is on the hook to pay the damage. But not for long. Starting this fall, it will be individual stores (or jewelry dealers) and their insurers that will have to pay the bills for …
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McComb police identify one of the men in a credit card fraud case
A third attempt failed, police said. The victim said he still had his bank card and didn't know how someone got his information. Walmart reviewed security video and found multiple purchases by two men who were seen swiping several credit cards, police …
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The 4 Things Every University Scholar Should Be Aware Of About Education Loan Repayment


Washington, DC (PRWEB) May 21, 2015

If results of the recent nationwide Foundation for Credit guidance® (NFCC®) economic literacy online poll are any signal, numerous college students will soon encounter sleepless nights, as more than 50 % of the respondents (53per cent) advised that student loan debt repayment was causing all of them more stress.

“The easiest way to feel well informed about maintaining your student debt under control should have a particular plan,” stated Bruce McClary, representative the NFCC. “Part associated with planning procedure requires studying the debt together with choices for rendering it work within a budget.”

To assist graduates get more control of their particular financial future and stay on track repaying their particular academic loans, the NFCC provides the after ideas:

Track Grace times – various financial loans have actually different grace times. an elegance duration is how long you can easily wait after making college before you decide to need certainly to create your very first repayment. It’s six months for national Stafford financial loans, but nine months for national Perkins loans. For national PLUS financial loans, it depends on when they had been granted The sophistication durations for private student loans differ, therefore speak to your paperwork or contact your loan provider to discover. Cannot miss very first payment!

Understand Your financial loans – make use of whatever time you’ve got through your grace duration to get at understand the types of financial loans you’ve got, keeping track of the lending company, stability, and repayment standing for each one. Everything is essential, as it can may play a role in deciding just how each loan is repaid and just what choices could be available if you’re previously susceptible to dropping behind. Start with checking out http://www.nslds.ed.gov to spot the facts in regards to the loan amounts, lender(s), and repayment standing for all federal financial loans. If some financial loans are not listed, they may be probably personal (non-federal) financial loans. For those of you, try to find a recently available payment statement and/or the initial documents. The institution can help if those files aren’t handy.

Arrange for Repayment – if your national financial loans come due, your loan repayments will instantly be according to a typical 10-year payment program. If the standard payment is going to be difficult for you yourself to protect, there are more options, while might possibly change plans down-the-line if you prefer or have to. Extending your payment period beyond decade can decrease your monthly obligations, but you’ll find yourself paying even more interest – usually more – throughout the lifetime of the loan. Some essential alternatives for student loan borrowers tend to be income-driven payment programs such as Income-Based Repayment and spend As You obtain which cap your monthly premiums at a reasonable percentage of income each year, and forgive any financial obligation continuing to be after only 25 many years (depending on the plan) of inexpensive repayments. Forgiveness could be available after only a decade of these repayments for consumers when you look at the community and nonprofit areas. To find out more about Income-Based Repayment and associated programs and exactly how they may do the job, check out http://www.IBRinfo.org.

Stay away from Trouble – Ignoring your student education loans has actually really serious consequences that may endure forever. Maybe not spending can cause delinquency and standard. For national loans, default kicks in after nine months of non-payment. Once you standard, your complete loan balance becomes due, your credit score is wrecked, the total amount your debt increases dramatically, therefore the government can garnish your earnings and seize your tax refunds if you default on a federal loan. For private financial loans, standard can occur alot more quickly and will put anybody who co-signed for your loan in danger aswell. Confer with your lender right-away if you’re at risk of standard.

For expert assistance from an avowed monetary therapist, consumers are encouraged to contact the NFCC at http://www.nfcc.org or 800-388-2227.

The NFCC April poll question and answers are as follows:

Among the list of economic challenges immediately following university graduation, which of following is many stressful?

A.    Finding and keeping work 11%

B.    Making car payments 7percent

C.    Controlling personal credit card debt 22per cent

D.    Purchasing rent also housing expenditures 8percent

E.    Education loan debt repayment 53per cent

Note: The NFCC’s April Financial Literacy Opinion Index ended up being conducted via the website associated with the NFCC internet site (http://www.nfcc.org) from April 1 – 30, 2015, and had been answered by 1,219 individuals.

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The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit financial counseling organization. The NFCC’s objective will be market the national schedule for economically accountable behavior, and build capacity for its members to supply the highest-quality economic knowledge and counseling solutions. NFCC users annually help scores of customers through over 600 community-based workplaces nationwide. 100% free and affordable confidential guidance through a professional NFCC associate, telephone call (800) 388-2227, (en Español (800) 682-9832) or check out http://www.nfcc.org.







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One in Two Americans Who Plan to Use Credit Cards Fearful About Credit Card Security This Holiday Season

Salt Lake City, UT (PRWEB) November 20, 2014

More than half of American consumers are worried about credit card security, suggests a recent Lexington Law survey conducted online on their behalf by Harris Poll.

Lexington Law commissioned Harris Poll to survey more than 2,000 adults age 18 and older and ask specific questions about whether their credit cards have been breached, what types of payment forms they intend to use for holiday shopping, and their feelings regarding credit card security breaches in general.

While some blame credit card companies, most Americans (70 percent) believe that retail chains are at fault for credit card breaches. The survey also revealed that 65 percent of holiday shoppers say they have used or plan to use cash to pay for their purchases compared to 61% who plan to use credit cards this holiday season.

The study, conducted in late October, found that 51 percent of Americans who plan to use a credit card for their holiday shopping are fearful of being affected by security breaches. In addition, for one of every two people, the risk of identity theft due to a credit card breach outweighs the benefits and potential rewards of using a credit card to purchase gifts.

“After so many high-profile security breaches this past year, these kinds of consumer attitudes really aren’t a surprise,” said Randy Padawer, a consumer advocate for Lexington Law, the nation’s leading credit report repair provider. “What is surprising, and perhaps disconcerting for retailers, is just how many consumers say they prefer cash instead.”

Other interesting survey highlights:

    41 percent of Americans who have credit cards say their cards have been compromised in some way.
    21 percent who have had their credit card breached said it happened in a retail store.
    67 percent of Americans whose credit cards had been compromised reported that the experience had not yet changed how often they use their credit cards online or in-store

“Identity theft so widely associated with credit card breaches can be extremely damaging to people’s credit scores,” Padawer added. Lexington Law’s service offering can help consumers repair the damaging effects of these, and other, events by correcting inaccurate or unsubstantiated items from their credit report. Fair and accurate credit reports lead to better credit scores and improved consumer confidence.

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Full methodology:

This survey was conducted online within the United States between October 29-31, 2014 among 2,022 adults, age 18 and older, by Harris Poll on behalf of Lexington Law via its Quick Query omnibus product. Figures for age, sex, race/ethnicity, education, region and household income were weighted where necessary to bring them into line with their actual proportions in the population. Propensity score weighting was used to adjust for respondents’ propensity to be online.

All sample surveys and polls, whether or not they use probability sampling, are subject to multiple sources of error which are most often not possible to quantify or estimate, including sampling error, coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments. Therefore, the words “margin of error” are avoided as they are misleading. All that can be calculated are different possible sampling errors with different probabilities for pure, unweighted, random samples with 100% response rates. These are only theoretical because no published polls come close to this ideal.

Respondents for this survey were selected from among those who have agreed to participate in our surveys. The data have been weighted to reflect the composition of the adult population. Because the sample is based on those who agreed to participate in the online panel, no estimates of theoretical sampling error can be calculated.

About Lexington Law

Lexington Law is a consumer advocacy law firm with decades of experience, helping hundreds of thousands of Americans work to improve their credit. The firm comprises the largest network of credit repair professionals in the U.S., employing a growing staff of 26 attorneys and 200+ paralegals/agents across 19 states. By leveraging consumer rights to legally resolve issues with creditors and credit bureaus, Lexington works to ensure that client credit reports are fair, accurate, and substantiated. For details about Lexington Law’s services, attorneys, or statistics visit: http://www.lexingtonlaw.com.

About The Harris Poll

Over the last 5 decades, Harris Polls have become media staples. With comprehensive experience and precise technique in public opinion polling, along with a proven track record of uncovering consumers’ motivations and behaviors, The Harris Poll has gained strong brand recognition around the world. The Harris Poll offers a diverse portfolio of proprietary client solutions to transform relevant insights into actionable foresight for a wide range of industries including health care, technology, public affairs, energy, telecommunications, financial services, insurance, media, retail, restaurant, and consumer packaged goods. Contact us for more information.







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