Identity Theft Guide

Resource for Those Who Want to Avoid Identity Theft

With the expansion of the internet and the proliferation of cyber crime, the average person faces the very real threat of having their identity stolen. Peruse the articles listed below to learn how to avoid or deal with a potentially life-changing event.

Annual Credit Report – Catching fraud early can limit your liability and help you avoid countless headaches. If you see any indications of fraud on your credit report, there are certain steps you should take.

Credit Bureaus – Each credit bureau calculates your credit score somewhat differently, and it may display that information differently from another bureau. By taking the time to understand the differences between each credit bureau, you will have an easier time understanding the information included on your credit report.

Credit Card Fraud – From thieves stealing your card information to scams that ask you to provide a credit card number to receive a free gift or low cost product, credit card fraud appears in many forms. Here are the ways in which they appear and how to protect yourself.

Credit Monitoring – The key to reducing the risks of identity theft involves closely monitoring credit reports and bank accounts to detect fraudulent activity quickly to limit losses and address negative changes in credit scores immediately. Read on to discover the best ways to monitor your credit.

Credit Protection – Don’t let identity thieves ruin your credit. Instead, utilize a credit protection plan that will monitor your credit and alert you to any suspicious activity. By catching the problem quickly, you can ensure that your credit doesn’t get damaged without your knowledge.

Credit Report – The information in your credit report can have a serious impact on your life. It can help you get credit, prevent you from getting a job and affect insurance rates. Understanding your credit report is an important step in controlling your finances and safeguarding yourself against identity theft.

Credit Score – Identity theft can impact your credit score in many ways. In fact, identity theft can impact your financial future and your very life if not discovered and dealt with in a timely manner.

CreditReport – Good credit scores are calculated from a transaction record known as a credit report that is built and tracked over time by credit bureaus. Different spending habits can make or break your credit report, so here are some healthy practices that will keep your credit in great shape.

CreditScore – A good credit score is important when applying for a loan, a credit card, and sometimes even a job. It can be difficult to raise your credit score, but it is a lot simpler when you know exactly what determines your credit score.

Cyber Crime – While most of us would never want to go back to doing things the old fashioned way, it is very important to be aware that anyone can become a victim of cyber crime. In order to protect ourselves, we should understand exactly what constitutes this serious crime and what we can do about it.

Dumpster Diving – When most people think of identity theft, they may automatically think of internet shopping. Although secure shopping online should always be a top priority for anyone looking to avoid identity theft, there is another risk that you may be overlooking: your trash.

FICO – Fair Isaac and Company created a mathematical formula to calculate a credit score based on an individual’s history of payments and credit accounts. The formula for the FICO score was created in the 1950s, but has recently become more widely known and utilized as an aggregate measure of an individual’s credit history.

FICO Score – When you know how your score is calculated, you can see which financial transactions have the largest impact on your score. There is no quick fix for a low FICO score, but you can raise it using self-discipline, diligence and time.

Fraud – Theft of personal reputations can cause serious problems for people, who must prove the theft to credit card companies, credit-reporting bureaus, insurance companies, friends, and families. For these reasons, identity fraud often causes greater problems for you than simple robberies.

Free Credit Report – There are numerous ways to check your credit score. Credit information is reported to each of three credit bureaus. Each bureau presents its data in a unique way and there may be discrepancies between each report. This means it’s a good idea to get a report from each one.

Hacking – The internet is extremely convenient, and many people choose to do their banking, bill-paying, shopping and other financial activities online. Online activity presents its own set of security risks, however, and it’s important to safe guard your information from identity thieves.

ID Theft – If you find that an identity thief has opened an account with your information, made unauthorized charges to a credit card or bank account, or used your Social Security number for the purpose of obtaining employment, there are a few steps you can take to stop the thief and gain back control over your personal information.

Identity – Computers and automated credit checking have made identity theft easy and lucrative for amateur and professional criminals, leading to an escalating number of frauds, but the concept and crime of identity theft have existed for centuries.

Identity Guard – Although there are numerous credit monitoring programs available, two of the most popular are Identity Guard and Life Lock. Although similar in many ways, there are a few distinct differences between these programs. By understanding these differences, you can decide which is best to suit your needs.

Identity Protection – Identity theft was practically unheard of 40 years ago, but it is currently becoming a nationwide epidemic. Once limited to sifting through trashcans, thieves can now steal credit card numbers as they walk by you on the street. It may seem like there is no hope for battling this problem, but there are steps you can take to keep identity theft out of your life.

Identity Theft – Identity theft can cost you large sums of cash, monopolize weeks of your valuable time, and damage your reputation within the local community. Theft of identity causes victims to feel violated and distrusting of strangers. You should take quick action to confront the situation directly to limit damages and financial loss.

Identity Theft Protection – Many people become victims of identity theft each year. Knowing the signs of identity theft will ensure you are aware if you become a victim. Once you discover that your information has been compromised, you can take steps to stop the thieves in their tracks.

Protection – Several companies are now offering insurance to protect you against identity theft, but choosing the right one can seem overwhelming. If you are considering investing in this valuable protection, here is the information you will want to have.

Social Security Number – One of the ways identity thieves are able to steal the identity of an unsuspecting individual is to gain access to the individual’s Social Security number. Your Social Security number (SSN) is an important identifying piece of information and you should take steps to protect your SSN at all times.

Theft – Several different types of identity theft may be perpetrated against an individual through several different modes. Knowing the different types of identity theft will provide you with knowledge for protecting your personal information and accounts from being compromised by identity thieves.