Skip to main content

Identity Theft and How it Starts.

 How people steal your identity.  

Your Name, Social Security Number, and Address are all that an identity thief needs to steal your identity.  If they have one of your passwords, phone number, or email that is just a bonus for them.

One in One Hundred  

If you know 100 people it is likely one of them will get their identity stolen this year.  It can take you years to get the problems you will have fixed if your Identity is stolen.

There are a lot of black websites that will store your name, address, and Social Security number.  They might have your phone number and email address also. 


Identity Thieves will continuously contact you any way they can to try to get you to sign into their fake website.  Often they will pretend to be your bank like Wells Fargo or Chase or Amazon to get your password.  

Once they have access to any account they will try to steal from you.  Sometimes they will open up new accounts or other times they will try to use one of your accounts for which they have the password.


Another scam they pull is they will change your address with one of your credit cards or one of the credit bureaus.  Then they will apply for a couple of new credit cards.  They will have the new cards sent to a new address.   Once they get the new cards they will max out the card and move on.  

My Bank's Data was Compromised

Recently my bank had their data stolen.  The identity thieves got my email, phone and I assume all of my data the bank had.  They got the password also as my bank had me reset my password right away.


Since then I have gotten several phishing emails and phone calls.  I have received fake phishing emails from Amazon, UPS, Bank America and many others.  The fake emails keep coming, trying to get me to sign in to their fake websites. 


I check my credit weekly with CreditKarma to make sure no new credit has been applied for.

Comments

Popular posts from this blog

Dealing with Customer Service Successfully

Always Be Nice to Customer Service Customer Service Agents are able to help you if you're nice to them and hurt you if you're not. I was never taught how to deal with Customer Service.  However my Mother always taught me to be a Gentleman. Customer Service on the Phone I am always extremely nice and courteous to customer service. They have a very tough job because so many people yell at them and treat them horribly.  So many customers, especially of banks or credit cards, make a mistake but won't accept responsibility for their mistake. The customers want to blame the bank for the missed payment.  My dog ate my statement so I didn’t pay my bill. My rule of thumb is always be extremely nice to customer service. They're just doing their job and it is a tough one. They can certainly help if you are nice to them. Customer Service Tracks You Many Customer Service agents are able to make notes on your account. If you are particularly mean during an interaction they will

New Account Notification

I have four different Free ways to be notified of a new account being opened in my name on my Social Security number.  This is the critical notification that your Identity is being stolen if you did not just open a new credit line. My Discover card, Credit Karma, Chase Bank, and Credit Sesame accounts all notify me if there has been a new account opened in my name with my Social Security number.   New Credit Account I recently opened a new Home Depot* credit card.  You know those Black Friday tool sales sucked me in again.  I do it almost every year.   Anyway right on time the next day and the day after I opened a new account I was notified by Credit Karma, Discover, Chase Bank, and Credit Sessame. Why This is Important Any time your credit is checked you need to be notified.  If you did not apply for new credit it is likely to mean someone is attempting to STEAL Your Identity.   The first step in Identity Theft is for the thief to apply for and get credit in your name with your Social

Debit Card Fees and How to Avoid Then

  Debit card fees will vary depending on the bank or financial institution you use. Here are some common debit card fees : ATM withdrawal fees : When you use an ATM that is not owned by your bank or financial institution, you may be charged a fee by both the ATM owner and your bank. This fee typically ranges from $2 to $5 per transaction. Foreign transaction fees: If you use your debit card to make purchases or withdraw money in a foreign country, you may be charged a fee by your bank or financial institution. This fee is typically a percentage of the transaction amount, ranging from 1% to 3%. Replacement card fees: If you lose your debit card or it gets stolen, you may be charged a fee to replace it. This fee can range from $5 to $25 depending on your bank or financial institution. Overdraft fees: If you spend more money than you have in your account, you may be charged an overdraft fee. This fee can be as high as $35 per transaction.  Ouch. Balance Check Fee:  Some ATMs will charg