credit-card-fraudThousands of people every year fall victim to identity theft scams. Whether these attempts be through a land line, a mobile telephone, email or any other form of communication, hundreds of attempts happen each minute that passes. Though large scale identity theft scams are publicized on news channels and on online news, they are only reported after some individuals have previously become victims. People who supply themselves with some basic knowledge about identity theft scams can prevent becoming one of the unfortunate ones who lose a lot of cash, and time battling to get their money back.

Those who attempt identity theft scams try to obtain personal info like your address, telephone no., social security no. and charge card or account information. With this personal information, they are able to use a person’s credit standing and reputation in order to place charges on their credit cards, pull money out of their accounts and get loans in their name. As such, it is each individual’s responsibility to keep their personal data private. In doing so, they can prevent identity theft scams.

An initial step to protecting your info would be to begin with hard copies. This means all of your bank statements, credit card bills, utility bills and all papers which have your address and any account info on it. If you intend to keep these sorts of papers, then they need to be put inside a locked file cabinet, safety deposit box or other protected spot where access can be controlled. If your intention is to throw any of these away, then disposal needs to be secure. Investing in an inexpensive cross cut shredder is a good investment, and should be used for all papers with personally identifiable information.

When it comes to phone communications, whether land line or mobile, you should in no way supply anybody with your individual information in this manner. If you receive a text message asking for any individual data, you should not respond to it. No matter who the text is supposedly coming from, you should only provide the information by voice – this way, if a friend or family member’s cell phone was stolen, calling will verify that the voice belongs to the person who is supposedly texting. If you receive a call from a creditor or any company asking for account numbers, keep in mind that these businesses should already have your information and that calls like this might be identity theft scams. Simply ask for a number to call them back to confirm that it is a valid call before you disseminate your account number.

Safeguarding your electronic information is just as essential. There are lots of people in the world who are smart enough to hack into another individual’s pc, so placing the utmost security on internet enabled devices isn’t only wise, but absolutely imperative. Wireless connections should be secured with passwords, and security software should be installed to protect from viruses and other things that can gain access to or destroy your information. Identity theft scams can be prevented, but you need do your part to protect your personal information. Consider using a credit monitoring plan to help keep tabs on your credit reports and identity.

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