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

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...

My Introduction to Airline Miles

 I was first introduced to airline miles by a friend who had just gotten a United Airline Chase Credit Card.   I signed up and started getting airline miles for all of my business purchases.  Just for signing up I received 50,000 miles.  I believe I had to spend $3,000 in the first three months to get the 50,000 points.  This was a great bonus, two free flights anywhere in the US for spending $3,000 which I would have spent anyway.   The annual fee for this card is $95 which is waived for the first year. It took 25,000 airline miles to get one round trip ticket anywhere in the US.  Short flights would only cost 20,000 airline miles. I used just this Chase United card for a couple of years and earned a couple hundred thousand Airline Miles on the purchases my business made.   More Chase Points Cards I applied for and got more Chase credit cards for points.  I got the first Chase Freedom card with no annual fee.  This card o...

Bank Fees and How to Avoid Them

I hate to pay fees. Little fees, big fees, they all irritate me. In the old days of checking accounts where local companies all accepted checks, banks used to charge $15 to $25 on bounced checks. In my area of Montana they made enough in Bad Check fees to pay all of their full time tellers.  A friend who was a banker told me this. Fees are a huge revenue source for banks. I try to avoid most bank fees. My checking account is does not have a monthly fee. My savings account does not have a yearly fee.   I do have an annual fee on my lines of credit, HELOCs, but I have not been able to talk my banker out of those fees. Debit Cards Fees will grow quickly if you don't pay attention. Debit card fees can vary depending on the bank or financial institution you use, as well as the type of account and the transaction type. Here are some common fees associated with debit card usage: ATM withdrawal fees : When you use an ATM that is not owned by your bank or financial institutio...