Impersonation! Tips On Avoiding Identity Fraud! How Does Someone Steal My Identity?
Impersonation or Identity Fraud. What is it?
Impersonation Fraud happens when another person assumes your identity for the purpose of committing Criminal Acts in your name. Most of these crimes fall under different types of Fraud.
Getting your personal information may be easier to acquire then you know. If you have your pocketbook or wallet stolen, the criminals will search through your trash, or they can complete their crime if they can get hold of your credit or banking information.
The criminals may even ask you for your information in person, over the phone, or on the Internet. There are so many ways that a criminal can get hold of your personal information that it is almost impossible to entirely avoid falling victim to this Fraud.
There are several things you can do to minimize your risk of falling victim to Identity fraud.
Stop Identity Theft!
Some ways that you can avoid being a victim to Impersonation/Identity Fraud
Do not throw your ATM receipts, your credit card statements or bank statements without destroying them first. Make sure you are always aware of where your credit cards are at.
Do not give any of your credit card information to anyone on the phone, unless you were the one who made the call.
Balance your bank account on a monthly basis, if you notice any inconsistencies, notify your bank right away.
Make a list of telephone numbers of all the businesses you deal with, this way you can call them immediately if your wallet or pocketbook is lost or stolen.
Do not hesitate to report any unauthorized activity to the Police as soon as they have been identified. This includes your Bank accounts and your Credit Card accounts.
Request and monitor your Credit Report at least once a year. Make sure that all accounts on your Bureau are in fact yours.
If there is discrepancies in your Credit Report notify the Credit Bureaus immediately, and keep pursuing the issue until they are completely explained and/or resolved.
If you have been a victim of Identity Fraud, ask the Credit Bureaus if they could print a statement of that fact upon your Credit Report. This will notify future lenders that your Credit Report is flawed through no fault of your own.
If you have any knowledge of anyone receiving correspondence through the mail in someone else's name such as credit card statements etc... Notify your Local or Federal law enforcement agencies of the issue.
Be aware of your surroundings. Watch out for people congregating around ATM machines. If an ATM machine takes your PIN # and then tells you there is an error. Notify the police, the machine may have been placed there by criminals to obtain your information.
Do not fill out credit applications unless you trust the people/persons who are requesting the information.
Do not apply for credit online unless you are completely sure that you are at an authorized lenders site. Once again if you enter your information and the page fails make a note of the URL and notify authorities.
It is better to be safe then sorry when it comes to stopping Impersonation or Identity Fraud.