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Identity Theft—A Problem Increasing in Immense Proportions

Defining Identity Theft

If someone uses the personal information of another person including name, social security number, driver’s license number or other personal information in order to commit fraud or any other criminal offense that person is guilty of committing identity theft. Unfortunately it is very easy to commit this type of theft and often happens without you realizing it immediately.

How to Know if You are a Victim of Identity Theft and Fraud?

  • If your child starts receiving mail that is usually addressed to adults such as pre-approved credit cards or other financial offers he or she might be a victim of child identity theft.
  • If you attempt to open a financial account for your child but discover there is already one available or the application is not approved because of poor credit it may be a sign of child ID theft.
  • If there is already a credit report in your child’s name the child may have already been targeted for identity theft of a child because a consumer credit report only exists after someone applies for credit, a credit account or a public record becomes available.
  • If your credit score is lower than it usually is it can be a sign of identity theft.
  • You have been denied credit or been approved with an extremely high interest rate.
  • The personal or credit information on your credit report is inaccurate.
  • You receive calls or letters from collection agencies about accounts you never opened.
  • You receive credit cards for which you did not apply.
  • You don’t receive mail you were expecting such as bills, letters, credit card renewals, etc.

How Does Identity Theft Occur?

There are several methods thieves use to commit identity theft and fraud.

  • Digging in dumpsters, commonly referred to as “dumpster diving” in a effort to find personal information
  • Theft of mail
  • Theft of a victim’s wallet or purse
  • Theft of debit or credit card numbers through the use of a data storage device—this process is called “skimming”
  • Pretending to be a legitimate company in order to gain access to a person’s personal
  • information. This is commonly called “phishing” and is more common as internet identity theft, but it can occur over the telephone as well.
  • Posing as a landlord or employer in order to obtain access to a person’s credit report
  • Theft of hard copy or electronic business records
  • Filing a change of address to divert your mail to another location
  • Rerouting people to a copycat website when they type legitimate banking or credit card
  • information in order to gain access to personal information—commonly called “pharming”

Understanding the Types of Identity Theft

There are many different types of identity theft although most people think immediately of financial identity theft. The various types of identity theft include:

  • Financial Identity Theft: This is the easiest type of identity theft for the average person to understand and involves the theft of information such as credit card or any other type of personal information that thieves use for personal or material gain..
  • Medical Identity Theft: When someone uses the identity of another person in order to obtain medical treatment, it is a very serious act that can possibly be fatal to the person whose information is compromised. For instance, if pretended to be you in order to obtain medical treatment but you later became serious ill and received a medication to which you were allergic it could be fatal.
  • Criminal Identity Theft: This involves another person using your name when they are arrested. In this case you will have a criminal record for a crime you didn’t commit.
  • I.D. Card Identity Theft: This action is the result of another person using your driver’s license, ID card or any other ID that provides them with the ability to obtain a social security number, credit card or other financial items in your name.
  • Social Security Identity Theft: In this instance someone steals another person’s social security card to report earnings without having to pay taxes.
  • Synthetic Identity Theft: This type of ID theft is a rather new entry into the market and occurs when a thief takes bits of information from several people and actually creates an entirely new identity.
  • Child Identity Theft: This type of ID theft is becoming more common and often involves a relative or friend who steals the social security number of a child in order to obtain credit. The hope is that the parents will be reluctant to report the crime or do not notice it until many years later.

Where to Find Identity Theft Help

The services and benefits that Legal-yogi.com provides make it one of the best identity theft companies in the business. Whether you need identity theft help or just some information it is always a good idea to have an expert available in the event you are faced with the problem of having your identity stolen. There is no need to wait for someone to return your call or wait in life to obtain the information you need. With the help Legal-Yogi provides online, identity theft concerns can be addressed twenty-four hours a day. The next paragraphs list some of the Services and Benefits you can obtain from the identity theft assistance center.

The services members will receive include twenty-four hour telephone access, assistance determining whether the member is a victim of ID theft, providing identity theft monitoring services for an entire year after filing an incident report, collecting the information necessary to immediately take action on your behalf, an ID theft action kit that explains all the facts and identity theft solutions, contacting creditors, ID theft affidavit assistance, reporting identity theft to the Federal Trade Commission, filing a report with the postal inspector, filing and forwarding criminal reports to all necessary parties, supplying identity theft recovery services to help with credit restoration, reporting the information to credit agencies, issuing fraud alerts, cancellation of all credit cards, ATM cards and checks, reviewing your credit report and identifying errors, providing assistance with the credit contact list, and providing members with an itemized statement that details each occurrence of fraud.

Benefits available to members include free legal consultations, review of documents, providing a victim impact statement if the case should go to court, discounts on any additional legal work, multi-lingual staff, emergency cash, translators and much more. Identity theft never occurs when you expect it, so it’s important to be prepared. There is no obligation, so you have nothing to lose by obtaining the information you need about ways to avoid identity theft and how to fix identity theft.