The Most Common Ways To Commit Identity Theft Or Fraud

The Most Common Ways To Commit Identity Theft or Fraud


Courtesy of the US department of justice.

Large number of people do not realize how easily criminals can obtain our personal data without having to break into homes. In public places, for example, criminals may engage in (shoulder surfing) ­ watching you from a nearby location as you punch in your telephone calling card number or credit card number or listen in on your conversation if you give your credit-card number over the telephone to a hotel or any other venue.

Even places near your home or office may not be secured enough for a criminal. Some criminals engage in the so called “dumpster diving” ­ going through your garbage cans or a dumpster or trash bin to obtain copies of your checks, credit card or bank statements and or other records that typically bear your name, address, and may even have your telephone number.

These types of records make it easier for criminals to get control over accounts in your name and assume your identity endlessly if not caught fast enough.

For instance- If you receive applications for “preapproved” credit cards in the mail, but discard them without tearing up the enclosed materials, criminals may retrieve them and try to activate the cards for their use without your knowledge.

Some credit card companies, when sending credit cards, have adopted security measures that allow a card recipient to activate the card only from his/her home telephone number but this is not yet a universal practice yet.

 Also, if your mail is delivered to a place where others have ready access to it, criminals may easily intercept and redirect your mail to another location of their own.

Recently, the Internet has become an appealing spot for criminals to obtain identifying info, such as passwords or even banking information. In their haste to explore the exciting features of the Internet, many people respond to “spam” ­ unsolicited E-mail ­ that promises them some benefit but requests identifying data, without realizing that in many cases, the requester has no intention of keeping the promise.

In many cases, criminals reportedly have used computer technology to obtain large amounts of personal data of thousands of victims.

enough identifying information about an individual, a criminal can take over that individual’s identity to conduct a wide range of crimes:

for example:

false applications for loans and credit cards, fraudulent withdrawals from bank accounts.

fraudulent use of telephone calling cards, or obtaining other goods or privileges which the criminal might be denied if he/she were to use his or her real name.

If the criminal takes steps to ensure that bills for the falsely obtained credit cards, or bank statements showing the unauthorized withdrawals, are sent to an address other than the victim’s, the victim may not become aware of what is happening until the criminal has already inflicted heavy damage on the victim’s assets, credit, reputation and then his emotional state.

Protect you identity today- This is the single most important thing you may ever do for yourself nowadays.

If you need further help please drop me a comment below I’ll be more than glad to give you a hand


Sam Ammouri


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