Find us on Facebook Follow us on Twitter About us   |   Blog   |   Login



Answers

Knowledgebase Home | Favorites | Forum
Search the Knowledgebase Browse by Category
View Articles by Category
There are no sub categories
Identity Theft rss button
There were 17 articles found in this category:
  1. questionAre there laws against identity theft?
    Yes. In 1998, Congress passed the Identity Theft and Assumption Deterrence Act (918 U.S.C. §1028), which makes it a federal felony to use another person's identification with the intent to commit unlawful activity. Federal agencies such as the Secret Service, the FBI, and the U.S. Postal In ...

  2. questionWhat is account takeover?
    Account takeover occurs when an identity thief acquires a person's existing credit or bank account information and either withdraws money or makes purchases. Victims usually learn of account takeover when they check their account statements online or receive their monthly credit card or bank acc ...

  3. questionWhat can I do to protect my computer and data?
    There are three main threats to the data on your computer: malicious software, network intrusion by hackers, and physical theft. To protect your computer against viruses, spyware, worms, and Trojan Horse programs (which let hackers control your computer), you must use anti-virus, anti-spyware an ...

  4. questionI got scammed; how can I protect myself in the future?
    According to our credit experts, any company requiring pre-payments should be investigated thoroughly with the Better Business Bureau. A requirement of pre-payments and a payment address outside the United States are indications of potential scams. Here are suggestions to follow if you provided ...

  5. questionWhat is a data breach?
    A data breach is a situation in which information is either lost by or stolen from an organization or individual. Financial information, medical records, customer information, and student data are all examples of information that has been accessed as a result of data breaches. Such breaches can ...

  6. questionAm I responsible for unauthorized purchases?
    Under the federal Truth In Lending Act, cardholders are not responsible for more than $50 in unauthorized purchases, and most card issuers honor zero liability policies if you report a loss or theft of your card quickly. Also, if your card number was stolen and used in a transaction where no phy ...

  7. questionWhat is child identity theft?
    Child identity theft is true identity theft in which the victim is a minor child. Because a child (or parent acting on behalf of the child) is unlikely to request credit reports or to try to obtain credit, the theft can go undetected for a long time. In fact, the theft may not be detected until ...

  8. questionShould I close my credit cards if think I am a victim of identity theft?
    Yes, but only if you are reasonably sure that your credit cards have been stolen or are being used without your permission. In that case, call the credit card companies. They will close the account and reissue another card with a completely separate number. Be sure to ask them to re-report the n ...

  9. questionHow can I monitor my own credit?
    You can monitor your credit by checking your credit report from all three credit reporting agencies at least twice a year. Under FACTA (Fair and Accurate Credit Transactions Act), every consumer has the right to get a copy of his or her credit report free from each of the credit reporting agenci ...

  10. questionWhat common methods do identity thieves use to steal someone's identity?
    Theft of wallets and purses was once the most common way to obtain identity documents and account information. Today, identity thieves attack virtually every area of an individual's life, wherever personal information is stored or sent. An identity thief needs only a few strategic bits of your p ...

  11. questionWhat are the different types of fraud alerts?
    A fraud alert is a warning that you can place on your credit report by contacting the three major credit bureaus. It signals to potential creditors that you may be or are at risk of being a victim of identity theft. A fraud alert can take one of three forms: an initial alert, an extended alert, ...

  12. questionWhat is medical identity theft?
    Medical identity theft is the misuse of a person's identity to obtain health care goods and services. It is a growing crime as the trend towards electronic medical records gains momentum. Often, the first time a victim gets wind of medical identity theft is when he or she receives a statement fr ...

  13. questionWhat are credit and fraud monitoring?
    Credit monitoring involves monitoring your credit history for suspicious activity. The three credit bureaus as well as many third parties offer credit monitoring for a modest fee, providing services such as allowing you to check your credit reports every day for theft, receiving e-mail alerts of ...

  14. questionWhat is synthetic identity theft?
    In synthetic identity theft, instead of stealing an actual person's identity, a thief creates a fictional identity by taking pieces of information from a number of people. The thief usually starts with one victim's Social Security number and then composes a fictional identity associated with tha ...

  15. questionWhat is identity theft?
    Identity theft is the misuse of another person's identifying information. In true identity theft, an identity thief uses another person's Social Security number and other identifying information to fraudulently open new accounts for financial gain. Victims may be unaware of the fraud for an exte ...

  16. questionWhat is a credit freeze? Is it right for me?
    A security freeze (or credit freeze) gives consumers the option to "freeze" or lock access to their credit file against anyone trying to open up a new account or to get new credit in their name. When a security freeze is in place at all three major credit bureaus, an identity thief cannot open a ...

  17. questionHow do I put a fraud alert on my credit report?
    First, if you think you are a victim of identity theft or if your card(s) has been lost/stolen, call all credit card companies affected to report the incident. When you call, write down the name of the person you spoke with and make a few notes about the communication. After reporting the proble ...