Fix Identity Theft Now

Unfortunately, identity theft is becoming a pervasive part of American life. Consumers are becoming all-too familiar with the concept of having their identity stolen. What isn't familiar, however, is the enormous amount of work and effort that must be taken on to repair the damage done by an identity theft. What takes one thief just minutes can cost you weeks or months of tireless work to regain your good name.

However, consumers aren't alone. In addition to government intervention that has helped reduce the ease with which thieves can access your personal information, there are identity theft protection services that provide consumers with complete credit-report monitoring and protection. For a nominal monthly fee, these services offer peace of mind and the security that comes from knowing your identity is safe and protected.

What is identity theft?

Identity theft occurs when someone takes your personal information – such as your Social Security number – and uses it without your permission to commit fraud. Generally, this comes in the form of opening credit accounts and loans without your knowledge. According to the Federal Trade Commission, nearly 9 million Americans have their identity stolen each year. An identity thief can take on your credit history and rent an apartment, buy a car or get a home – all without your knowledge or consent. Often, it takes consumers months or even years to notice that a crime has been committed.

How can someone's identity be stolen?

Initially, stealing someone's identity might sound like a difficult thing to do. Unfortunately, it is not always that challenging. Some of the ways thieves steal identities include:

• Garbage searches: Thieves will dig through your personal garbage in recycling bins or dumpsters to find your personal information on things such as bank statements or loan solicitations.
• Skimming: This is a technical term for a device that steals your credit card information when you make a purchase at a store, use an ATM, or through an online retailer.
• Phishing: Identity thieves pose as legitimate companies or businesses through unsolicited pop-up messages or e-mails, and request personal information such as account number or Social Security numbers.
• Address change: Identity thieves have been known to file change of address forms, which in turn gives them a consumer's mail and private information.
• Common theft: A stolen wallet can lead to a wealth of information for identity thieves.
• False pretense: Your physicians, employer or bank could divulge your personal information to an identity thief posing as a legitimate inquirer.

What to do today

There are smart strategies you can employ today to protect yourself. They can be as simple as changing your passwords or as complex as deleting your junk mail. But one of the smartest strategies consumers can employ is seeking the counsel and assistance provided by an identity theft prevention company. Through this service, you will have a third-party monitoring your credit and account activity 24 hours a day, 365 days a year. You will be notified of any inconsistencies, and will be protected in the event of a problem. Find out how to protect yourself today!