Identity theft and fraud are serious crimes. People whose identities have been stolen can spend months or years and thousands of their hard-earned dollars cleaning up the mess the thieves have made of your good name and credit record. Some victims have lost employment opportunities, been refused loans for education, housing or automobiles. Some have even been arrested for crimes they didn’t commit.

How Did They Steal My Identity?
Skilled identity thieves use a variety of methods to gain access to your personal information. They get information from businesses or other institutions by stealing records from their employer, bribing an employee who has access to these records, or hacking into the organization’s computers. Identity thieves may rummage through your trash, or the trash of businesses or dumps in a practice known as “dumpster diving.” By abusing their employer’s authorized access or by posing as a landlord or employer who may have a legal right to the information, they secretly obtain your confidential credit reports.

They steal credit and debit card numbers by using a special information storage device in a practice known as “skimming” your card. Stolen wallets and purses containing identification, credit and bankcards are especially useful to identity thieves. They steal mail, including bank and credit card statements, pre-approved credit offers, new checks, and even tax information. It’s reported that some of the most skilled identity thieves will even complete a “change of address form” to divert your mail to another location.

Sometimes they steal personal information from your home while in the commission of a burglary. They will even scam information from you by posing as a legitimate businessperson or government official, then commit identity theft and fraud.

What Can They Do With My Identity?
Once identity thieves have your personal information, they may, go on spending sprees using your credit and debit card account numbers to buy “big-ticket” items like computers that they can sell easily. They might open a new credit card account, using your name, date of birth, and Social Security Number. When the bills go unpaid, the delinquent account is reported on your credit report. Next they change the mailing address on your credit card account. The imposter then runs up charges on your account. Because the bills are being sent to the new address, it may take weeks or months before you realize there’s a problem. Identity thieves might take out auto loans in your name. Establish phone or wireless service in your name. Counterfeit checks or debit cards can be fraudulently issued, then drain your bank accounts. Identity thieves might open a bank account in your name and write bad checks on that account. File for bankruptcy under your name to avoid paying debts they’ve incurred, or to avoid eviction from their residence. They might even give your name to the police during an arrest. If they are released and don’t show up for their court date, an arrest warrant could be issued in your name.

How Can I Prevent Identity Theft?
Can you prevent identity theft from occurring, hardly? As with any crime, you cannot completely control whether or not you’ll become a victim. But, according to the Federal Trade Commission (FTC), you can minimize your risk by managing your personal information cautiously and with heightened sensitivity. Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals and focus on identity theft prevention.

I’m Concerned, I Need Identity Theft Protection.
Monitoring all my accounts, looking for unexplained changes or activity? Searching for credit card accounts or loans in my name, but not authorized or initiated by myself? Studying identity theft law, locating the right identity theft protection?

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Identity Theft Resource Links:-
The Federal Trade Commission
The Federal Bureau of Investigation
The U.S. Postal Inspection Service
United States Secret Service
Identity Theft Resource Center
National Center for Victims of Crime
Privacy Rights Clearinghouse
The National Fraud Information Center
The National White Collar Crime Center