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What is Identity Theft?
Identity Theft has
been referred to as "The Designer Crime of the
21st Century" because of the ease in which a
person's personal identity can be acquired by
just about anyone.
Identity theft occurs when
someone steals your personal information to
take over your credit card accounts, open new ones,
take out a loan, rent an apartment, access
bank accounts, or commit many other crimes
using your identity.
Many people claim
that Identity Theft is growing at epidemic
proportions and everyone needs to take a few
necessary precautions to prevent it from
happening to them or their family members.
When it strikes, the effects can be
devastating.
What's more, because it frequently involves no
physical theft, identity theft may not be
noticed by its victims until significant
damage has been done -- often, several months
and thousands of dollars later.
The Threat of Identity Theft Starts The
Moment We Are Born!
Identity thieves are always on the
lookout for "Birth Announcements" that are
usually published in your local daily
newspapers. They will snatch up all of
those names and start the process of
forging phony birth certificates and
setting up phony identities in those
names.
In most cases, nothing is ever noticed for
quite a few years because children do not
start to establish any kinds of credit
records or anything else until they reach
maturity.
By then they are faced with a horrific
nightmare to get their identities cleared
and could quite possibly end up costing
them many thousands of dollars.
The threat of Identity Theft exists on more
than the Internet. The potential for the theft
of our identities is everywhere around us.
Identity Theft is a serious crime.
People whose
identities have been stolen can spend months or
years - and their hard-earned money - cleaning up
the mess thieves have
made of their good name and credit record.
In the meantime, victims may lose job opportunities,
be refused loans, education, housing or cars, or
even get arrested for crimes they didn't commit.
Daily vigilance at home, in the work place and on
the Internet is necessary to reduce the risks of
Identity Theft. Scams and fraud face all of us
everywhere and there is the potential of being spied
upon both on the Internet and in our offline lives. Every
family
member should be a participant in your personal
security protection efforts.
I've done a
considerable amount of research on the subject
of Identity Theft and I have finally taken the
plunge and I have written my very first e-book.
For more information on this e-book, please
click on this link::
Please Visit This Page For More Info
The following is the first chapter
of my latest e-book on the subject of Identity
Theft.
How Serious Is Identity
Theft?
By: Tim Gilligan
a/k/a "Skipper"
It is estimated that 500,000 to 700,000
Americans become victims of identity theft
each year. You don't have to be wealthy to be
a target. Identity theft is on the rise. One
in ten of us have, or will be the victim of
this crime.
By now you've probably heard the horror
stories about individuals whose identities
have been stolen by identity thieves. They're
not pretty stories… people working for
hundreds of hours over many years to get their
lives back in order, even innocent individuals
ending up in jail.
Here are some frightening Identity Theft
Statistics:
- 10 million Americans will be a victim
of identity theft this year.
- 19 percent of consumers report that
financial information, including a bank or
credit card number, has been misused.
- 14 percent say they've had personal
information such as a Social Security number
or birth certificate taken.
- Identity theft prime targets
are college graduates, those with annual
household income of $75,000 or more, people
residing in the West, and Americans between
the age of 30 and 49.
- Identity theft hits 1 in 4 U.S.
households.
- Loss to businesses in the US exceeds
$50 billion annually due to identity theft.
- One in six Americans (17 percent) say
they’ve had financial information stolen
(bank or credit card number)
- Three in four consumers (75 percent)
agree that they would take more steps to
avoid being a victim of identity theft if
they knew what to do.
- Four in ten consumers (43 percent)
think it is unlikely they will be victims of
identity theft.
- One in three consumers thinks there
is nothing that can be done to prevent
identity theft... but "There Is" something
you can do to prevent identity theft!
You simply can't afford to wait
until it happens to You!
Imagine waking up one morning. You are on
your way to an interview for a new job. Maybe
you’re looking to jump up the corporate ladder
or perhaps it’s for a second job to help get
ahead of the bills. Whatever the case you are
optimistic about the day. A friend of yours
has given their personal recommendation and
you are confident the job is in the bag.
The interview goes well. The interviewer seems
pleased with you and you have a good feeling
about the offer. While nothing is promised you
are more than certain the job is yours as soon
as the paperwork is approved.
You finish the interview and stop by the
car showroom. It’s looking like a good time to
finally get that new car you’ve had your eye
on! You’ve been thinking about it for months.
The salesperson takes you for a spin and it’s
everything you’ve dreamed of – and more!
Stepping back into the showroom the
salesperson suggests you sit down. “Grab a cup
of coffee and we’ll talk about driving this
baby away today!” Sounds good.
Bantering over the paperwork you sit back
with a sigh of contentment and put down the
pen. “Let’s just check your credit and you
should be off in a few minutes” he says.
Today is a GREAT day!
As you sit back and gaze at the gleaming cars
on the showroom floor you notice the
salesperson has become rather silent. He says
“I’m sorry but it looks like this might not
work out right now” . You look at him and see
a sudden sternness in his eyes. “Really,” you
say “why’s that?” “Well, you’ve got a few
things on your credit report that are a
concern. I’m afraid financing this car would
be impossible at this time.”
“What do you mean? My credit is fine!” you
start to sputter “let me see”. He tells you,
“I’m not allowed to share your report with
you, but maybe in a few months you can come
back and look again.”
You head out the door in confusion. You KNEW
you could get that car. What was he talking
about?
As you open the door to your home you see
the message light flashing on your phone. That
was fast! The job offer – that will put you
back in a good mood!
“…I’m afraid we won’t be able to offer you a
position with us right now…” you don’t even
hear the rest of the message. WHAT??
Ding-dong. The doorbell. Who could that
be?
“Hello, I’m Officer Brown, may we have a
word with you…”
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About The Author:
Tim
Gilligan, a/k/a "Skipper" is an experienced online entrepreneur
working from his home office on Ft. Myers
Beach, Florida. The above article is the first
chapter of his recently completed e-book
titled "The Dangers Of Identity Theft and
How To Protect Yourself".
If this article has aroused your interest in
how to protect yourself from the dangers of
Identity Theft and you would like to get more
information on this subject
Please visit this page
Permission is granted to re-print the above
article in it's entirety as long as the
resource box remains intact.
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