3 types of identity theft
Normally, when you think about identity theft, you just think about stolen identity. However, not always all your identity information is stolen. Many times, it is just part of your overall identity. You need to understand the different type of identity theft so that you can be on the lookout.
You need to understand that if any of this identity theft occurs with you, you need to contact the authorities as soon as possible. Once you contact the authorities, thereafter only remedial measures can be taken.
- Character theft:
Character theft is when someone assumes your identity and conducts a transaction or gets some information about yourself. You need to understand that the usage of this information can be pretty deadly and dangerous for you. However, many times this is just for fishing the information as well. Regardless of that, if you have detected someone who is attempting character theft, it is a better idea to stay alert and contact the required authorities as soon as possible. In such a case, when you’re contacting the authorities, in case of any wrongdoing by the impostor with your identity would keep you completely safe since you have complained already about the character theft in advance.
- Credit theft:
Credit theft involves using your credit cards as well as bank accounts in order to get loans are in order to get any other financial benefits. In such a case, the credit score which you have is used in order to profit the impostor. Most of these transactions are actually done online so that there is no trace at all. In some cases, when your Social Security number might be used in order to get a loan in your name. In such a case, you have to contact the bank as soon as possible. You have to also take the right steps in order to protect your credit score as well.
- Social security number theft:
Social Security number can again be used against you and it can be used to evade taxes as well. Moreover, it can be used in order to discover your credit card information as well as tax information and even bank account details. Your financial portfolio and your financial health can be endangered when Social Security number theft takes place. In such a case, not only you have to inform the bank but you have to also inform the cops as well. Only then, you can be sure that the proper remedy and measures can be taken in time.
Thus, instead of thinking that by using identity theft and character theft, the impostor is taking your identity, you have to look at these 3 types of identity theft. Once you are able to detect the identity theft in time, thereafter only it would become much easier for you to take the remedial measures as well. In case, you are a victim of any of these identity thefts, it is important to contact the concerned authorities without any delay. This would ensure that the impostor is not able to use your identity further and you can actually bring all of this to a halt.
You need to also report to the credit houses that your identity was stolen. This would ensure that the damage to your credit score is limited. This is one of the main reasons why you should always be alert to your credit score as well as the financial transactions which are going on in your name. You have to also scan your monthly statements in order to find out whether there have been any erroneous or any wrong transactions which have been reported in the monthly financial statements. This would automatically help you detect any kind of identity theft in time. Moreover, you should not share the passwords of your accounts with anyone or log into them from public computers as well.