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Identity theft occurs when someone illegally obtains your personal information (social security number, credit card numbers or some other personal information) and uses that information to apply for loans or credit cards under your name or to make unauthorized purchases or gain access to your financial accounts. It is extremely prevalent these days, but there are steps you can take which will reduce the chances of you becoming a victim of identity theft.

Bad Credit Credit Creditres 1. NEVER give out personal information (date of birth, social security number, credit card numbers) over the phone, by email or on the internet unless you initiated the contact and know whom you're dealing with. If your social security number is requested, ask if another form of ID could be substituted in its place.

Bad Consolidation Credit Debt 2. ALWAYS shred papers that have your personal information on them before throwing them away. Papers that should be shredded include credit card receipts, checks, bank statements, credit card statements, expired credit cards and pre-approved credit card offers. Cross-cut shredders are great for this purpose.

LifeLock, the industry leader in the prevention of identity theft, today announced its Identity Theft Prevention service will now be made available through the healthcare provider Careington International. As one of the largest discount healthcare companies in the U.S., Careington will bundle the LifeLock service with other services they provide and offer to their clients.

Bad Company Credit Repair 3. Keep accurate and current records of all your credit cards and who you should contact in case they are lost or stolen. You may want to take copies of your credit cards and write the customer service number on the copy. If you are not currently using some of your credit cards, you should keep them securely locked away. Other things to keep in a secure location include: unused checks, your social security card, bank statements and credit card statements.

Much like a credit report, an identity theft report contains your personal and financial history. Companies like Privacy Matters offer an identity theft report as part of their core benefits, designed to protect your personal information and your peace of mind. Staying proactive is a key to preventing identity theft, and an identity theft report, along with identity theft and credit monitoring, offers you several different weapons to stay in the fight.

Bad Card Credit Credit 4. ALWAYS make sure you get your copy of a credit card receipt when making a purchase. Check to make sure your credit card was returned to you as well.

ID theft is preventable! Identity theft statistics show that understanding the tactics and techniques used by identity thieves is the key to effective prevention. In the Privacy Matters Identity Theft Learning Center you'll find articles, news and online resources that will keep you informed about identity theft restoration, fraud protection, background checks, and other essential ID theft topics.

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Bad Car Credit Loan 5. Check your credit reports annually. There are three credit reporting agencies; Equifax, Experian and TransUnion. Every year, you are allowed one free credit report from each of these credit reporting agencies. Go to www.annualcreditreport.com to order your free credit reports, ordering one from a different agency every 4 months.

By Credit Health We've all heard of identity theft, but what does this term really mean Going far beyond credit card fraud, identity theft is a rapidly growing crime that most people will face at some point in their lives. Credit Health explains the different kinds of identity theft crimes common today and pinpoints new identity theft trends that are emerging.

Bad Credit Loan Mortgage 6. ALWAYS make sure there are no "shoulder surfers" around when you are keying in your PIN number at an ATM or store. Be careful that no one overhears you when giving out your credit card number or personal information over the phone.

Auto Bad Credit Loan 7. When purchasing on the internet, always make sure the site you're using is secure. You know you're on a secure site if the web address changes from http:// to https:// when you click on "buy" or "add to cart." You will also note a lock or key symbol in the lower corner of the web page.

Bad Credit Mortgage Refinance 8. On your own computer, use a firewall and virus protection. Use passwords that include letters, numbers and symbols to make them more difficult to break. Never use PIN numbers that are obvious, such as your birth date, street number, phone number, the last four digits of your social security number or any consecutive numbers. Memorize your PIN number-do not write it down. If your mother's maiden name is requested for security purposes, use a password instead-one you will remember.

Bad Credit Refinance 9. NEVER respond to emailed requests from banks or creditors to update your information. You should always call the institution directly or go to their website (do NOT use the website the email directs you to) to update your information. Rarely do banks or other institutions request such information by email, and it is a simple task for someone to create a website that looks just like your bank's or creditor's.

Bad Credit Mortgage Second 10. If you receive lots of pre-approved credit card offers in the mail, call (888) 5OPT OUT to have your name removed from the marketing lists sold by the major credit bureaus.

Bad Credit Loan Student 11. Drop off outgoing mail at your post office or collection box rather than leaving it in your mailbox for pick up.

Bad Card Credit 12. Have new checks mailed to your bank and pick them up there.

Bad Credit Financing 13. Place passwords on your bank accounts, brokerage accounts and credit card accounts for protection. Once again, use a mix of letters, numbers and symbols.

Bad Credit Home Loan Mortgage 14. Consider an ID theft insurance policy.

Bad Credit Loan People 15. Register with Equifax Credit WatchT. Equifax Credit WatchT makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit ReportT - like when someone tries to get credit in your name or there are sudden changes in your credit card balances. - so you can act before serious damage is done.

Bad Card Credit Credit People For a list of signs that you may be a victim of identity theft, go to http://understandingidentitytheft.com/articles/article-67.html
For further information on identity theft, visit http://understandingidentitytheft.com. For information on how to check and/or correct your credit report, go to http://yourcreditscoreranking.com.

Bad Credit Guaranteed Loan Debbie Pettitt teaches you all about identity theft: what it is, how it occurs and what to do if you are a victim at http://understandingidentitytheft.com.
If you need help straightening out your credit report, learn all about it at http://yourcreditscoreranking.com.

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