Every 2 seconds, another American becomes a victim of identity fraud!!.
Identity Theft & fraud is on the rise.
Credit reports can detect ONLY 20% of id fraud ...But what about other types of fraud? How are identities stolen and used the other 80 % of the time?
Thieves prey on victims with strong credit records to secure free cable television, electricity, gas, OR the Rent Apartments in YOUR NAME!!
Tax Return Thieves
Keeping your Social Security number private is among the first items on any checklist for preventing identity theft. If an identity thief gets a victim’s Social Security number, damages can be considerable and likely.
Imagine, for instance, that an identity thief files a fraudulent tax return on your behalf. If the IRS receives the fraudulent return before you file, the IRS will send your hard-earned refund check to the first person to file the return: the identity crook!
Government-funded programs often require only a name and Social Security number, so a thief with this basic information could apply for benefits in a victim’s name. You, and the government, may not find out unless you attempt to apply for the same benefits.
Surprisingly, identity thieves with poor credit or criminal records can use another person’s name and Social Security number to apply for a job. Illegal immigrants desperate for employment are also known to steal a victim’s identity to secure a job. Though these thieves are often not malicious, their criminal behavior does hurt your tax status. Employers will report the income—income you did not take home—to the IRS, who in turn might come after you for failing to report all of your income.
Bank Account Thieves
Using your personal information, an identity thief might be able to open a bank account, especially if the crook needs to deposit pay checks or tax returns in your name. Bank account thieves can also write bad checks and apply for loans in your name. In the time the bank needs to freeze the account, the thief can rack up huge debt in your name. This fraudulent behavior can result in criminal charges,
Criminal Record Thieves
Many identity thieves use their victim’s Social Security number to apply for driver’s licenses or state-issued identification cards. If a criminal is arrested and uses a license or identification card in your name, he can create a nightmare that extends beyond your credit score and financial reputation. Imagine, for instance, that the thief uses an identification card to pin a crime on you. If the criminal is released and later expected to attend court, you can bet he won’t appear, and the courts will issue a warrant in your name.
WHAT WILL YOU DO........WHEN THIS HAPPENS TO YOU!!!!??????
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ID THEFT SHIELD & Legal Plan!!!
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OVER 1 BILLION NAMES & PASSWORDS STOLEN!!!!
NEW !!! MEDICAL ID THEFT!!!! WATCH THIS!!!!
IRS TAX RETURN THEFT!!!
BUSINESS OWNERS ID THEFT
APARTMENT ID THEFT
Bank OF America ID THEFT
CNN ID Theft Report
ID THEFT of Children!!
MEDICAL ID THEFT
There's an epidemic sweeping across America and it's called identity theft. Most of us know someone who is a victim of the crime. It may have happened to you. Identity theft is scary, confusing, time consuming and expensive. It's also something that is becoming more common as the thieves become more aggressive and sophisticated.
The FBI reports that Identity theft is the fastest growing crime in America. 30 million Americans fell victim to it in 2008, a 22 percent increase over 2007,and 43 million in 2009 a 29 percent increase over 2008 According to Javelin Research, the crime strikes at least one in four households each year. A national poll indicates 80 percent of Americans are concerned about becoming a victim of identity theft. Children under 18 are the fastest growing target, mainly because they do not apply for credit until years later, when they finally find out that their credit is damaged.
Identity theft occurs when thieves use personal information (such as a social security number, credit card number, drivers license number, health insurance number, financial accounts, computer log-in information, etc.) to gain access to money, credit or goods and services. Once the crime occurs, creditors seek payment from the victim. Proving that credit was accessed without knowledge or approval, and the process of restoring good credit, is difficult, costly and time consuming. It can take months or even years to recover an identity. In the meantime, the victim is pursued for payment, their credit standing is damaged and access to credit is impacted.
Thieves continue to create new ways to access and use stolen identities. They regularly establish telephone, utility and credit card accounts in a victims' name. Billing addresses are redirected, charges are accumulated and bills are never paid. Bank accounts are easy targets for identity thieves through sophisticated online methods and from stealing signed checks from a mailbox. Once accessed, checks are written, funds are transferred and account balances are depleted. Thieves make loans in a victim's name and the damage is done long before the victim becomes aware of the crime. Today, gaining and selling United States citizens' personal information has attracted syndicated criminal organizations; the theft is simple, the risks are low and the rewards are high.
Identity theft protection represents a new type of "accessory." One that attaches (and attachment is what accessories are all about) to the sale of other products to enhance the consumer purchase and provide a value-add. More and more, we're seeing retailers and manufacturers provide subscription-based services to their customers as a way to provide residual revenue opportunities and enhance the overall consumer experience.
TARGET REPORTS MORE THAN 70 MILLION CUSTOMERS PERSONAL DATA STOLEN!!!
USA Today reports
The massive data breach at Target over the holiday season is potentially much worse than the retailer first reported, with up to 70 million more customers affected.
Target, which averages 30 million customers a week, said Friday that an ongoing investigation found that "the stolen information includes names, mailing addresses, phone numbers or e-mail addresses for up to 70 million individuals."
"I know that it is frustrating for our guests to learn that this information was taken, and we are truly sorry they are having to endure this," Target CEO Gregg Steinhafel said in a press release.
In December, the retailer disclosed that data thieves hacked 40 million accounts, stealing encrypted PIN data, customer names, credit and debit card numbers, card expiration dates and the embedded code on the magnetic strip on the back of cards used at Target between Nov. 27 and Dec. 15.
There may be overlap in customers who had both personal identification information stolen as well as credit and debit card data, but Target doesn't know to what extent, says spokeswoman Molly Snyder. It remains unclear just how many individuals are affected and how.
The additional stolen data may increase the threat of identity theft, said Greg McBride, senior financial analyst at Bankrate.com.
WASHINGTON — The Internal Revenue Service may have delivered more than $5 billion in refund checks to identity thieves who filed fraudulent tax returns for 2011, Treasury Department investigators said Thursday. They estimate another $21 billion could make its way to ID thieves' pockets over the next five years.
The IRS is detecting far fewer fraudulent tax refund claims than actually occur, according to a government audit that warned the widespread problem could
undermine public trust in the U.S. tax system. Although the IRS detected about 940,000 fraudulent returns for last year claiming $6.5 billion in refunds, there were potentially another 1.5 million undetected cases of thieves seeking refunds after assuming the identity of a dead person, child or someone else who normally wouldn't file a tax return.
In one example, investigators found a single address in Lansing, Mich., that was used to file 2,137 separate tax returns. The IRS issued more than $3.3 million in refunds to that address. Three addresses in Florida, the epicenter of the identity theft crisis, filed more than 500 returns totaling more than $1 million in refunds for each address.
In another troubling scenario, hundreds of refunds were deposited into the same bank account – a red flag for investigators searching for ID thieves who may be filing for refunds for multiple people. In one instance, the IRS deposited 590 refunds totaling more than $900,000 into one account.
"We found multiple reasons for the IRS's inability to detect billions of dollars in fraud," J. Russell George, the Treasury Department's inspector general for tax administration, in a statement. "At a time when every dollar counts, these results are extremely troubling."