How To Avoid with Identity Theft

Identity Theft is an increasing problem we all need to take precautions against. With just a few of your personal details from your dustbin, your PC, even your mail, an identity thief can open credit cards, arrange loans and make purchases in your name, without you knowing. Scams are getting increasingly sophisticated, we all need to be careful.

Identity theft is a form of fraud or cheating of another person's identity in which someone pretends to be someone else by assuming that person's identity, typically in order to access resources or obtain credit and other benefits in that person's name.


Identity thieves sometimes impersonate dead people, using personal information obtained from death notices, gravestones and other sources to exploit delays between the death and the closure of the person's accounts, the inattentiveness of grieving families and weaknesses in the processes for credit-checking.

Another common trick is advertising bogus job offers in order to accumulate resumes and applications typically disclosing applicants' names, home and email addresses, telephone numbers and sometimes their banking details. Another common scam is browsing social networking sites for personal details.

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Other common scams include diverting victims' email or post in order to obtain personal information and credentials such as credit cards, billing and bank/credit card statements, or to delay the discovery of new accounts and credit agreements opened by the identity thieves in the victims' names. Also using false pretenses to trick individuals, customer service representatives and help desk workers into disclosing personal information and login details or changing user passwords/access rights

Don't make it easy for someone to obtain the password to your PC and on-line accounts. Hackers are accessing all kinds of information online. The new program for infecting users' computers is called Zeus; and the program is so hacker friendly that even an inexperienced hacker can operate it. Although the hacking program is easy to use, that fact does not diminish the devastating effects that Zeus (or other software like Zeus) can do to a computer and the user.

When choosing a password you should not use your child, pets name, date of birth etc. Your should use both letters and numbers. Memorise your password, don't write it down and change your password regularly.

If you are making on-line payments its is safer to use a credit card rather than your ordinary bank cards because credit card companies offer some protection.

Shred anything that contains personal information, including letters, bills and receipts so it can't fall into the wrong hands. If you move home it is important to tell your bank, credit card providers, mobile phone company and anyone else who needs to know. It is also very important to re-direct your mail to your new address. If you think at anytime any of your post is missing contact royal mail immediatley and inform the company who sent the letter.

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