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Identity Theft and Fraud: Catching Them is Usually Not This Easy

Identity Theft and Fraud: Catching Them is Usually Not This Easy

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Home Page > Law > Criminal > Identity Theft and Fraud: Catching Them is Usually Not This Easy

Identity Theft and Fraud: Catching Them is Usually Not This Easy

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Identity Theft and Fraud: Catching Them is Usually Not This Easy

By: Daryl Campbell

About the Author

Daryl Campbell. No an identity thief will not usually show up at your home or workplace and use your personal information right in front of you but there is a good chance you know who they are. Click here to find out more.

(ArticlesBase SC #1330606)

Article Source: http://www.articlesbase.com/ – Identity Theft and Fraud: Catching Them is Usually Not This Easy

“Out of how many customer-service desks, out of how many registers she could have gone to, and she had to come to me?” It almost sounds like a take off of the Humphrey Bogart line from the movie Casablanca. It isn’t. For Michelle McCambridge, the situation was all too real.

The Federal Trade Commission estimates that last year 8.4 million people were the victims of identity theft. The good news is that is a decline from previous years where the numbers hovered close to the 10 million mark.

Those statistics are of little comfort to people who wind up bearing the financial burden. McCambridge reports that the thieves used her social security number to rack up thousands of dollars in charges. But through an amazing coincidence McCambridge was able to turn the tables.

According to The Seattle Times, McCambridge who works at J.C. Penny was standing behind the counter when a customer approached requesting to open a department store account. When the person presented McCambridge with the necessary information needless to say she was shocked.

The “customer” gave Cambridge’s name as well as phony identification. “I was a little panicked. I was a little shaky,” said the 23 year old college student. But she managed to pull herself together slip away from the counter and alert store security.

By doing so, McCambridge started a whole of chain of events that led not only to the arrest of the suspect but the dismantling of an identity theft ring.

The circumstances are to say the least extraordinary. As Joseph Velling, a special agent for the Social Security Administration explains “Identity-theft crimes are some of the most difficult criminal cases to investigate. It is not that law enforcement does not know what crime was committed. Rather, it is a simpler question – who did it?”

This may explain why the majority of identity theft cases remain unsolved. If that was not bad enough, factor in that an overwhelming number of identity crimes never get reported. Is it any wonder that for nearly a decade identity theft has topped the list as the number one consumer complaint?

No it will probably never be this easy. If you are the victim of identity theft the chances that the thief will show up at your place of business and present their (your) information is not very likely. But even if you are not that fortunate, what happened to Michelle McCambridge should serve as an example about the importance of fighting back.

Joseph Velling says it best. “I’m very proud of her. It was heroic.”

Retrieved from “http://www.articlesbase.com/criminal-articles/identity-theft-and-fraud-catching-them-is-usually-not-this-easy-1330606.html”

(ArticlesBase SC #1330606)

Daryl Campbell -
About the Author:

Daryl Campbell. No an identity thief will not usually show up at your home or workplace and use your personal information right in front of you but there is a good chance you know who they are. Click here to find out more.

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Article Tags:
identity theft and fraud, identity thieves, victims of identity theft

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Identity Theft: Tactics They Use To Obtain You Identity And The Affects It Can Have On Your Credit?

Tactics identity thief’s use to obtain your identity and ruin your credit as a result

Debit Cards And Identity Theft: Four Easy Ways To Protect Yourself

Over nine million people each year report that they are the victim of some type of identity theft. As criminals continue to find new ways of committing fraud, we must also continue to remain diligent about protecting our personal information.

As more and more people use credit cards and debit cards to shop or pay bills, it’s getting easier for thieves to steal sensitive information as well as completely assuming someone’s identity. Here are four simple ways to protect your identity and your hard earned money.

1. Use common sense.

Never give out your debit card number over the telephone, especially if you weren’t the one who initiated the call, unless you are dealing with a trusted company that you are familiar and comfortable with.

Limit the amount of cards you carry with you, and keep all of your receipts in a safe place. Never throw any type of receipts in the trash near the ATM machine or a public trash container.

2. Sign up for online banking.

Enroll in your bank’s online banking program so that you have easy and immediate access to your accounts at all times. The sooner you’re able to report fraud to your financial institution, the quicker you’ll be able to put a freeze on your accounts and stop them from doing more damage with your debit card.

3. Use caution shopping online.

While there are thousands and thousands of reputable merchants doing business online, there’s still need for caution when using your debit card to shop on the internet. Of course, it’s just as important to be careful anytime you use your debit card, not just while shopping on the web.

Disreputable store owners and dishonest clerks have been known to use a device called a “skimmer” which reads the information stored on your debit card’s magnetic strip. Your account’s information is then downloaded to a computer while the thieves then create new accounts in your name and go shopping with your money.

4. Check your credit report yearly.

Under federal law you are entitled to one free credit report a year from each of the three credit bureaus, which are Equifax, Experian, and TransUnion. If you suspect your identity has been compromised as the result of your debit or credit cards being stolen, your credit report is very helpful as it will show detailed information including accounts that weren’t opened by you, or charges and inquiries that you never authorized.

Checking your credit report regularly make it easier for you to take care of any potential problems and watch for fraudulent activity. And subscribe to helpful blogs that focus on identity theft news so that you can keep up with the latest alerts and news to be safe and stay safe.

Help others you know online as well. Share helpful articles and send links to helpful sites and blogs. Help each other be on the alert and watch each other’s backs. Be safe and stay safe. It’s all about identity theft protection.

Free Online Credit Score – It’s Fast, and Easy!

Everybody knows the important of their credit score, and everybody knows the importance of knowing their credit score.

What many people do not know is that they legally have access to their credit score in many ways, and that it is fast and easy to see it.

Aurora Lillo Editor of the “Best Credit Reporting Services” website — http://www.BestCreditReportServices.com — pointed out;

 

“…What most people do when they wish to see their score is go to the major bureaus, or the Annual Credit Report website. Unfortunately, these people do not realize that they are only seeing a portion of the picture when they do this. The Annual Credit Report website does show the information from all of the bureaus, but that information does not include the score. It only shows the positives and negatives that they bureaus know about, and the consumer is left guessing about what the score may be. A far faster and easier way to get the whole picture is to go to a paid website, such as freecreditreport.com or creditreport.com…”

These websites tell the user all of the information that is on their record. Not only do they see the positives and negatives that they can see on Annual Credit Report, but these sites also give the scores. Free is a little bit of a misnomer, as there are some subscription fees, but signing up is fast and easy, and the benefits far outweigh the cost.

Furthermore, the sites offer other features that can greatly help someone to monitor their credit and keep everything going well. As these are fee-based websites, a person is able to view their information more times a year than the just once that the government-sponsored Annual Credit Report offers, always including the score in addition to the report. Also, they will monitor a person’s score and send them alerts when something seems to be going wrong or many accounts are opened in a short period of time, implying identity theft. Finally, this is all done via email, which is the fastest and easiest way to get things done these days.

“…In short, these websites are the best way for a person to ensure that their credit score stays intact is to monitor it through one of the above websites. While they are not free, they are fast and easy to use and give far more in-depth information than any of the alternatives. Knowing one’s score can save one from heartache when looking for a loan and help prevent identity theft, the most dangerous crime today…” added A. Lillo.

Further information about how to get a detailed credit report including scores and as often as you want by visiting; http://www.BestCreditReportServices.com

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Affordable legal plan made life easy

Just imagine what would be like if you had a lawyer whom you could call any time to get advice regarding any legal problem and you didn’t have to be concerned about the cost. The lawyer could take care of drafting a will for you, do check over purchase contract of a home, stand for your teenager in traffic court, manage a “life contract” for nursing home care, represent you if you: are being sued, being accused of a criminal offence, have been called for making a statement to the police, have been in a grave accident, are dealing a lawsuit or bankruptcy, are thinking about adopting a child, are opening a business and even getting you a divorce! A legal plan may be the right solution for you as it is with millions of others in the United States who have access to legal services through some kind of legal plan. With loads of “prepaid legal plans,” these services could be yours for just a minimal amount payable per month. They can even be “free” if your employer provides legal services as an employer-paid fringe benefit. Your concerns about having affordable legal help when you want it are eliminated. What is a basically Legal Plan? – It comes in several shapes and sizes. A “prepaid legal plan” is any sort of arrangement in which a person pays before for the legal services which they might need in the future. In many ways, it is much like a medical benefit plan: A client pays a flat amount every year or month in return for certain service benefits to be used as and if required. A “group legal plan” may contain some prepaid feature, such as those offered by employers as an enrolment choice and paid through a payroll deduction. Group legal plan advantages – generally available without charge to members of an organization, union, cooperative, or any other group – it features cost free telephone legal advice along with fee discounts from a participating lawyer for other services. More or less all legal plans provide legal advice and consultation through telephone as a basic service and may also sum up brief office consultations, examination of plain legal documents, preparation of a simple will, and short letters written or phone calls made by a lawyer. Other plans present more complete coverage for trials, matrimonial problems, bankruptcy, real estate affairs, etc. In addition to the member, nearly all plans include or offer coverage for his or her spouse and dependent offspring. Why are affordable legal plans required? – It allows a member consult to a lawyer whenever he or she might have a problem, without thinking about the cost. With the correct legal advice most problems can be avoided or promptly resolved. And if additional services, such as representation in court are wanted, a legal plans may help a member find the right lawyer, pay full or part of the legal bills or rather offer a lawyer to handle the case at no cost to the member. Sixty-five to seventy-five percent of all problems brought to lawyers through plans can be solved through nothing more than advice and a little amount of review. legal plans can also save members money in complicated legal issues. Even where a plan does not pay a lawyer’s total bill, the member generally gains from discount rates that plans can negotiate with panel lawyers. Finally, sponsoring it also benefits employers as employees with legal issues are more trustworthy and productive when legal help is offered and this plan enables employer attract and keep quality employees.

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Annual Free Credit Report Program – The First and Easy Step to Getting a Mortgage

Your Credit Report and Rating – Just Get It
Your credit history is one of the biggest factors to securing a home mortgage at the lowest interest rate and with best terms available. Why is it that we all know this fact but are hesitant to open that door and come face-to-face with our credit information?

Perhaps our biggest hurdle is the impression that getting our credit rating will be a difficult and time consuming process. You may be surprised to know just how easy and quick it is to get a free credit report. That may have just sounded like a sales pitch – I assure you – it is not. It truly is fast and easy.

You have seen the television commercials and online advertisements for numerous credit report online sites. Yes, these sites will help you get your free credit report but they will also try to sell you a credit monitoring service and other products. No doubt these sites are valuable tools for protecting your credit, but you can choose these services later. Let us keep it simple for now.

Annual Free Credit Report Program
Here is all you need to do. Go to AnnualCreditReport.com. This site was created and authorized by the three major consumer reporting agencies, Equifax, Experian and TransUnion. It is THE official government-authorized website supporting the Fair and Accurate Credit Transactions Act (a federal law passed in 2003) which allows you to obtain a free credit report every 12 months from each of the three reporting companies.

How Easy it Really Is
The only information you will need to provide to AnnualCreditReport is:

Full Name Date of Birth SSN Current Address Prior Address (if at current address less than two years

After entering the above information, you will choose TransUnion, Experian, Equifax or all three. You will be directed to each agency website separately. As you conclude each visit, you will be conveniently brought back to AnnualCreditReport where you can move on to another agency site or finish up.

Additional information required by the agencies is minimal. Experian only asks four easy multiple choice security questions.

With regards to which agencies to choose at this point, you may request all three right now or space them out over the year (perhaps you’ll want to get one every 4 months or so).

The detailed credit report will be absolutely free. You can obtain your credit score for an additional (optional) charge of .95.

It could not get much easier. If you have ten minutes, head on over to AnnualCreditReport right now. Won’t it be a great feeling when you can check that off your to-do list?

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Free credit reports online – easy way to test your fiscal class

Free credit reports online are much helpful to you as they guard your credit records more than yourself. Nowadays, the importance of credit reports is emerging and as a result the lenders are providing this facility without charging any fees. Sometimes, people think that it is a trick of lenders to attract borrowers but it is a wrong perception. According to the federal law, there are three credit bureaus from which you can access to these reports on annual basis. With the help of these reports, one can check out his current credit status any time and anywhere.

These reports provide an important certificate that reviews your capital and allots you a score. After allotting you a score, you are classified into excellent, good or bad credit history and depending upon this; your economic status is decided. It is beneficial to the creditors as well. The creditors can insert these records at the time the rate of interest and the terms are determined. This fiscal information of the borrower forms a foundation to examine the existing circumstances of the borrower.

There are various reasons to get hold of this report such as: sometimes it happens that your credit report may contain some incorrect information. If this information is ignored and not corrected, then it will affect your credit report. If your credit score is good then you will enjoy better financial deals. This is an essential tool that helps you out to know your credit history and it protects you from any kind of frauds and thus getting cheated. Lastly, this report helps you to maintain a steady check on your monetary dealings.

Free credit reports online is a beneficial choice that can be acquired from any locality without moving here and there. Since, the facility is provided through internet, you can avoid the risk of some one else taking a glance at your report from your position. Lastly, this service is completely free of cost that enables you to grab it without hurting your budget. Â

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Short Term Loans No Credit Check: Easy Financial Aid For Small Term Urgent Requirements

Now avail instant funds for emergency with assist of short term loan no credit check. Well, these are especially introduced for assisting the salaried borrowers so they can also meet with their cash crisis immediately. No sort of tedious faxing and paperwork formality is needed to follow. Just a simple online form avail you quick funds in a hassle free way. So, fulfilling emergency cash requirements is become much simpler with this loan facility.

Being a bad credit borrower you may simply consider short term loans no creditcheck and grab hassle free funds in a quick span of time. Normally, people can simply approved despite of their poor credit history as it is free from credit check process. Now people can easily get rid from poor credit scores embarrassment. Even, timely repayment of money will give you chance to enhance your credit scores in the market.

Short term loans have some special features. Some of them are enlisted below.

No need of faxing and paperwork is required.
Affordable rate of interest and service charges are varies from ender to lender.
Your entire information will be kept confidential.
Online application procedure is simple and quick.
Within next 24 hours you’ll get your funds.
No credit check is required to attain easy cash approval.
Direct money transition facility is available.
There is no requirement to pledge any kind of collateral against the amount.

Through this cash assistance scheme one can borrow the funds ranging from 0 to 00 for the term period of 14-31 days. Never make delays in payments as it causes high penalty charges on you. The interest rates can be higher in the absence of security but can be negotiable.

Online mode is the best way to avail funds as it avails you amount within next 24 hour without asking you to complete many tedious application formality. Plus, you may access the funds for any of your personal and other unexpected requirements. Now, handling emergency cash requirements is become much easier with assist of these loans.

www.bestonlinereport.com Keep better track of your credit with creditcheck! Get a call every time someone wants to give you credit! View and flag alerts from creditors and daily changes to your credit scores. Are you on alert? Keep your customer credit check on track with a free trial at BestOnlineReport.com!
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Find An Easy To Obtain Credit Report – How To Obtain A Free Credit Report

Using your credit report can help you to know what your credit score is at all times. You may find issues on your report that can be removed. It is important to look at your report several times a year so that you can dispute any negative items that you find there.

Find Free: Credit Report Online

Take advantage of the free credit report that you can receive from the 3 credit agencies. They are required by law to let you have a free copy of your report and you need to take advantage of getting it. Your report should always be checked for accuracies.

You Can: Pay off Debts

If you apply for a credit card and get denied then you have the right to get a free credit report from he agency that denied you. There may be some mistakes on your report that need to be corrected. You want to look through the report and send objections to any mistakes that exist on your credit report.

Be careful with some websites that claim you can get a free report because they will give you the report however they will sign you up for some monthly service that you do not need. In most cases it will come with high monthly charges that are unnecessary.

To stay in top of your credit rating the most important thing you do is to take advantage of using your report to improve your credit rating. It is very common to have negative items on your report because mistakes can be made. It is up to you to correct these and then your score will improve.

www.bestonlinereport.com Improve your score! Bestonlinereport.com will help manage your obtain a credit report! With BestOnlineReport.com, you get the action button! Fix errors and improve your score easily Get smart and simplify- BestOnlineReport.com provides an easy way to keep track of your score. Get alerted when any changes are made to your obtain credit report- Check it out for free at BestOnlineReport.com!