Identity theft and why its going to get worse and what you can do to protect yourself from it

Identity theft and why its only going to get worse and what you can do to protect yourself from it

By David Maillie

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Even if you don’t personally become a victim you will pay for it in other ways. The billions of dollars that are lost to identity theft are usually eaten by creditors (banks and financial institutions) since you are not personally held liable for charges you did not occur and this results in billions and billions of dollars in losses each year which results in higher insurance costs, higher manufacturing costs and higher end product costs.

What needs to happen is that we all need to become more aware. More aware of our credit and credit reports from all 3 bureaus (this will help alert people to more benign and insidious forms of this identity theft where addresses are purposely changed so detection is avoided for a longer period of time).

Did you know that your trash could be someone else’s treasure? Dumpster diving as it is called originated with the great computer hackers of the early 80’s (like Kevin Mitnick and others) whom would peruse corporation trash seeking out passwords and manuals reserved for employees only. With this information they could enter the corporate databases and gain access to top secret information, data, sales, anything they wanted and even take over or shut down the company. It is important to keep in mind that most of the hard core hackers of the 80’s did not have the intent to steal or hurt anyone, they just wanted to become the new explorers of the digital age and be the first to chart this new turf.

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The hackers of recent years with interests in identity theft, computer virus technology, spamming and botnets have other motives or alterior motives and do not care who they hurt. Massive financial gain is their bag. And these are the newest, worst and most dangerous criminals today. They can quickly gain access to tens of thousands of bank accounts, credit cards, social security numbers – you name it. As the convicted ID thief on MSNBC’s program “To Catch a ID Thief” said, they can get anything they want and very, very quickly.

There are underground computer forums which are run like a backwoods alley Ebay – sellers have lots or lists of people with various levels of personal data (social security card numbers, bank accounts, etc…) for sale to the highest bidder. Some employ computer hackers to elicit their info. Some pay someone whom scavenges trash and mail. Yes people will actually steal or pilfer through mail to find credit card applications, checks, and other items of interest (It is interesting to note that recently several USPS delivery personnel were arrested and charged with mail theft, fraud and numerous other charges as they were actively stealing mail for ID theft purposes).

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