Identity theft comes in numerous forms. Some areas are business, medical, financial, criminal, and cloning. Using another individual's information is a practice that is increasingly more common and harmful to the victim.
Is has been discovered that some illegal immigrants falsely obtain new identities from unsuspecting citizens. As impersonators, the thieves can then access the rights and services to which the victims are entitled. It's difficult to detect this type of crime without knowing where to look. Individuals often make it easy for thieves to steal their personal information. Naivety in displaying and volunteering what is rightfully private documentation is only one of the causes of unprotected data. Another reason is that unscrupulous individuals are skilled at pressuring or manipulating people. They may succeed in gaining their targeted victim's trust.
Some people are hired specifically to steal personal information. They can then open accounts in other individuals' names. A few methods used to gain access may be from improperly disposed trash, unsecured computer data, physical theft of property, skimming credit card information, and stealing information from within infiltrated companies. There have even been instances of faking fingerprints using Gummy Bear candy.
Some of the items that are continuously watched by a monitoring company may be related to credit purchases. Others are non-credit related but are equally important. Either can be dangerous in the wrong hands.
Any change in a credit report for which you aren't aware may be cause for concern. Such shifts can be related to address and driver's license information, applications, Social Security Number, and credit card use. Anyone can submit an application in your name without your knowledge, if they have your information.
You might not find out about the fraud until it's too late. The situation is revealed only when you begin receiving invoices for materials or services purchased by that person. We've all seen the humorous commercials about identity theft. However, it is not at all funny in real life. When such things happen, it is inherently your responsibility to rectify the matter, even though you are not at fault! It doesn't seem fair but it is still a fact that you are responsible until the situation is cleared up.
Having a company to watch your back gives a sense of security. For a nominal fee, you can be notified if there are security threats involving your personal information. Your social security number can easily be stolen and revealed to others by unscrupulous individuals and groups. If that occurs, you can access assistance in replacing or canceling credit cards and other important membership numbers. Legal representation and advocacy is provided when fraudulent activity occurs under the contracted company's watch.