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Identity Theft News
Identity Theft Is A Serious Crime. How Does It Happen?
Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. While you can't entirely control whether you will become a victim, there are steps you can take to minimize your risk. One missing puzzle piece can dramatically change a puzzle's characteristics. The same is true with a person's identity - one bit of personal information is all someone needs to steal your identity.
If you think your identity has been stolen, here's what to do. Contact the fraud departments of any one of the three consumer reporting companies to place a fraud alert on your credit report. The fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.
Close the accounts that you know or believe have been tampered with or opened fraudulently. File a report with your local police or the police in the community where the identity theft took place. Get a copy of the report or at the very least, the number of the report, to submit to your creditors and others that may require proof of the crime. File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
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Definition:
Once you have become a victim of identity theft, a fraud alert is placed on your credit report to let all creditors know that someone might be trying to obtain new credit in your name.
Initial public offering
Definition:
First sale of stock to the public by a company seeking outside equity capital.
Dumpster diving
Definition:
The term dumpster diving describes identity thieves' methods of digging through garbage cans and other kinds of trash in order to find useful personal information.
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