Frequently Asked Credit Questions about Identity Theft

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How Can My Personal Identity Be Stolen?

Many criminals and thieves want to steal your personal ID and they can use many different and often successful tactics to do so.

There are many ways that this can happen and here are just a few of the ones that occur most often:

Looking for personal information on letters and statements in your trash.

Burglars will collect your details from documents when they steal from your home.

Stealing post and parcels from front doorsteps.

Taking purses from ladies and wallets from men by pick-pockets or other devious means.

Impersonating a dead person or using a deceased person’s birth certificate.

Getting post and mail redirected to a different address so they get your letters instead.

Stealing your credit card details from credit card receipts.

Many large gangs of identity thieves operate in cities where it is easy for them to target unsuspecting individuals to get their personal identity information.

So if these thieves do manage to get your personal ID information you could easily find that it might be used in crimes that are part of trafficking or terrorist operations.

So Who Can Tell Me If My Personal ID Has Been Stolen?

If your identity is stolen there numerous ways in which you might find out about it.

If you are lucky when you find out, it will not be too late.

Here are some of the more likely scenarios for indications of identity theft:

Your mail contains a statement for a new credit card taken out in your name.

An unknown bank account statement in your name arrives for you.

You find transactions on your credit card statement for goods you did not buy.

You see transactions on your bank statement that should not be there.

You a get letter or call from your bank or credit card company about unusual transactions.

Thus it makes sense that you always check carefully any unusual mail you receive and that carefully check each transaction on your credit card and bank statements.

If you fail to take these actions then you could easily find that theft of your identity will go undetected.

Trying to sort out the issues after identity fraud has occurred can be very difficult and take along time to resolve.

Prevention is better than cure!

A proven method for doing this is to monitor your credit report frequently at your credit reference agency, so you can quickly detect unexpected activities.

By monitoring your credit report for changes and unusual discrepancies you will be one step ahead and have a much better picture of what is taking place in your name, even if it is not you!.