Identity Theft

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Identity Theft:

Identity Theft How to Protect Yourself

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Identity Theft: Form of stealing an individuals identity in which someone pretends to be someone else by assuming that person’s identity. ( Wikipedia )

Types of Identity Theft:

Types of Identity Theft Identity Cloning and Concealment: When and identity thief impersonates someone else in order to conceal their own true identity. Examples are illegal immigrants, people hiding from creditors, or individuals wanting to become anonymous for personal reasons.

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Criminal Identity Theft: when a criminal fraudulently identifies himself to police as another individual. These individuals have either stolen state-issued identity documents or have presented a fake id.

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Synthetic Identity Theft: variation of identity theft in which identities are completely or partially fabricated. The most common technique involves combining a real social security number and a name and birthdate other than the ones associated with the number. This new form of identity theft is very difficult to track because it does not show on a persons credit report directly , it actually may appear as an entire new file in the credit bureau’s file system.

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Medical Identity Theft: When someone seeks medical care under the identity of another person. In addition to financial harm the thief's medical history may be added to the victims medical records.

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Financial Identity Theft: when an individual wrongfully obtains and uses another person’s personal data in some way that involves fraud for economic gain. Each year approximately 15 million Americans are identity theft victims with financial losses averaging 3,500. Identity theft can happen from third parties, an example is when a data breach has occurred and the perpetrators obtain vital information for financial gain. (read more in this Forbes article)

How to protect yourself :

How to protect yourself Immediate Steps: Place an initial fraud alert Order your credit reports Create an identity theft report Federal Trade Commission shows you how

Credit Bureau:

Credit Bureau The three major credit bureaus are: Equifax Experian TransUnion Learn more at USA.gov

Sources:

Sources Department of Justice

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