The sophistication of technologies has spawned sophisticated crimes to be possible. Have you seen those flicks wherein a group of local thugs get to ransack and loot a highly-guarded museum operating right at a backyard? How about films in which an ordinary Mr. Joe becomes very rich and powerful businessman after “stealing” another person’s identity? So you get my point: technology sets no boundary for what can be done today. Let’s talk here about the latter films I mentioned…Identity theft is a fast-growing crime in the world, most especially in America. The Federal Trade Commission estimates that 10 million Americans experience identity theft every year. That’s really a lot, huh! With your own ID, criminals may get a credit card, open a new line of credit, rent an apartment, or open a telephone account. They can practically create, or more aptly waste, a life at your expense. The victim may not find out about the theft until after the crime is complete or until you are contacted by a debt collector. Now that’s really awful!So what is identity theft anyway? According to identitytheftlabs.com, the definition of “identity theft” varies […]
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Tags: commission estimates, local thugs, americans experience, point technology, debt collector
There is a lot of debate out there on when you should check your credit score report. I am sure you have read that you can get your credit report for FREE at www.annualcreditreport.com. Yes you can, but you get it once a year for free with no credit scores. It is worth paying around $29.95 to get your credit scores along with your credit report. The reason is when lenders make there decision process your scores are part of that process. In the current credit report market you can get your free credit reports with scores on a trial period. So if you are getting ready to make a purchase or have been turned down for some reason, you should pull a recent copy of your credit report with credit scores from each credit bureau. Here is a list of triggers to pull a recent copy of your free credit reports with scores.- Been recently denied for a credit- Suspect someone is using your identity- Suspect a creditor may have reported some late payments incorrectly- Need to fix your credit report- About to make a big purchase- Want to know your credit scoresEven if you don’t have any […]
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During the course of the day you may write a check at the grocery store, charge tickets to a concert, mail your tax returns, rent a car, and apply for a new credit card. Your probably don’t think twice when you are doing these type of activities. An identity thief is always watching.Identity theft is a serious crime, and is currently the biggest crime waive ever. People who have their identity stolen can end up taking months, years and thousands of dollars trying to recover their identity. Identity theft can steal your good name and credit record. If identity theft happens to you, it could cause you to not get a new job because of your current credit report, it could get you denied credit for housing, cars and installment loans.How identity thieves get your information- Stealing information and records while on the job- Conning fellow co-workers for information- Hacking records- Bribing employees whom have access to confidential information- Steal your mail, by taking bills, credit card statements, tax return information, new credit card offers and new checks as well.- Dig through your trash, business trash cans, and public trash facilities. This is also known as dumpster diving.- Get a […]
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