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A Gold Mine of Tips, Tricks, Tools and Advice On Identity Theft


What Is Identity Theft?

How Do Thieves Steal An Identity?

What Do Thieves Do With Stolen Identities?

How Can You Find Out If Your Identity Was Stolen?

How Long Can The Effects Of Identity Theft Last?

What You Should Do If Your Identity Is Stolen

Should You File A Police Report?

What Can You Do To Help Prevent Identity Theft?

The Leading Identity Theft Services Compared

Identity Theft is becoming a crime of choice for more and more thieves. Why? Because it's so easy!



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How Stolen Identity Is Used

What do thieves do with a stolen identity?

Once they have your personal information, identity thieves use it in a variety of ways.

Credit card fraud:

  • They may open new credit card accounts in your name. When they use the cards and don't pay the bills, the delinquent accounts appear on your credit report.
  • They may change the billing address on your credit card so that you no longer receive bills, and then run up charges on your account. Because your bills are now sent to a different address, it may be some time before you realize there's a problem.

Phone or utilities fraud:

  • They may open a new phone or wireless account in your name, or run up charges on your existing account.
  • They may use your name to get utility services like electricity, heating, or cable TV.

Bank/finance fraud:

  • They may create counterfeit checks using your name or account number.
  • They may open a bank account in your name and write bad checks.
  • They may clone your ATM or debit card and make electronic withdrawals your name, draining your accounts.
  • They may take out a loan in your name.

Government documents fraud:

  • They may get a driver's license or official ID card issued in your name but with their picture.
  • They may use your name and Social Security number to get government benefits.
  • They may file a fraudulent tax return using your information.

Other fraud:

  • They may get a job using your Social Security number.
  • They may rent a house or get medical services using your name.
  • They may give your personal information to police during an arrest. If they don't show up for their court date, a warrant for arrest is issued in your name. Federal Trade Commission Report


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Some of the things that you will need to do if it does happen to you.

  • Call your bank and/or credit card company
  • Contact the three major credit repositories
  • Go through the helpful but expensive steps recommended by the Federal Trade Commission in its 30-page consumer support publication
  • Fill out and submit the affidavit form supplied by the FTC to dispute new, unauthorized accounts
  • Spend on average $1,200 in out-of-pocket expenses and an average of 175 hours in your efforts to resolve the many problems caused by identity thieves


  • Do you hand your credit card to servers at restaurants?
  • Do you sign your credit cards?
  • Do you supply personal information over the Internet?
  • Do you keep your Social Security number in your wallet or purse?
  • Do you leave mail at your home or business for the postal carrier to collect?
  • Do you shred unwanted mail with personal information?

It's no secret: Identity theft is a major problem in America.
Think you're not at risk? Unfortunately you are.

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