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Digg it UP - America's Fastest Growing Crime?
Last April, Congress passed the Bankruptcy Abuse and Consumer Protection Act, the most sweeping reform of our nation’s bankruptcy laws in more than twenty-five years. Proponents of the bill argue that most consumers who file for bankruptcy do so simply because they do not wish to pay their bills. That is an arguable point, as studies show that most bankruptcy filers have suffered illness, injury or job loss. Regardless of the reasons, Congress has made the changes, and millions of Americans will be affected when the new law takes effect on October 15.Here is a short list of the changes
Deceased Persons Fraud -
This one can be almost as insidious as Child Identity Theft. Why, because who is going to complain! Here the thief steals the identity of a recently deceased person. With no one to complain, how long it can go on.
Work Place Identity Theft -
Here things get a little tricky. This type of identity theft can happen whether or not you know the assailant. In its simplest form, someone at your work steals your personal information and then your identity. That is bad enough, but what about someone stealing the information you entrust with a compa
A lot of event planners struggle to get up-to-the-minute stats about who's coming, how many people are coming, and how many spots are left. This is because they're hand-counting forms, tallying up call-in registrations, and manually updating Excel spreadsheets to find the right numbers.This is so unnecessary.Using an online registration system for the event can remove all such tedious paperwork from your job by providing complete, up-to-the-minute reports for all your events and meetings?With the right online registration system, you can pull up all the data you need, includ
Identity Theft is a massive crime and it is virtually without risk. Unbelievably, only 25 percent of Identity Theft victims report this crime to the police.
In 2002, estimated financial losses to American businesses were over $33 billion dollars. The average victim lost over $10,200.00, and that does not begin to include the cost needed to recover from the abuse. On average a victim needed over 30 hours to recover from the theft. Significantly, the sooner the theft was discovered, the less the monetary damage and the quicker the recovery.
Overall, the amount of time needed for resolution increased as the length of time required for discovery increased. Seventy-six percent of the victims who discovered the theft within one month took less than 10 hours to resolve the issue. When the theft was discovered between one and five months only 59 percent were able to resolve the problem within ten hours. For those that discovered the theft more than six months after the event, less than 20 percent were able to reach a resolution in less than 10 hours.
Clearly, time is a critical component in protecting yourself and recovering from Identity Theft. Quick discovery can help reduce the amount of monetary damage AND the number of problems you may encounter when attempting to clean up the resulting mess!
Identity theft is more like a family of crimes. It takes several different forms.
New Account Fraud -
The most common form of Identity Theft is when the criminal obtains your personal information and uses it to obtain credit in your name.
Existing Account Fraud -
The second category concerns misuse of existing accounts. Again, the same documentation needed to open new accounts can be used to access the victim’s current accounts
Child Identity Fraud -
In this instance, a thief steals the identity of a child. Here is the catch with this one. You or your child may not know about the theft until they grow up and get out on their own! The thief can have almost twenty years to destroy the child’s name. Luckily, this is easy to clean up. Not even your credit company is going to believe a three year old applied for a loan to buy a car!
Deceased Persons Fraud -
This one can be almost as insidious as Child Identity Theft. Why, because who is going to complain! Here the thief steals the identity of a recently deceased person. With no one to complain, how long it can go on.
Work Place Identity Theft -
Here things get a little tricky. This type of identity theft can happen whether or not you know the assailant. In its simplest form, someone at your work steals your personal information and then your identity. That is bad enough, but what about someone stealing the information you entrust with a compan
According to Rob Sheehan, director of executive education at the James MacGregor Burns Academy of Leadership at the University of Maryland, “Being a good boss is important in any organization, but it’s particularly important for small business. With smaller businesses, you really have the opportunity to set the tone for the entire company.” There are several characteristics, traits, and attitudes that seem to be prevalent among executives that are viewed as “good bosses” by their employees. These include:• Including all levels of employees in decision making• Concentrating on the
Overall, the amount of time needed for resolution increased as the length of time required for discovery increased. Seventy-six percent of the victims who discovered the theft within one month took less than 10 hours to resolve the issue. When the theft was discovered between one and five months only 59 percent were able to resolve the problem within ten hours. For those that discovered the theft more than six months after the event, less than 20 percent were able to reach a resolution in less than 10 hours.
Clearly, time is a critical component in protecting yourself and recovering from Identity Theft. Quick discovery can help reduce the amount of monetary damage AND the number of problems you may encounter when attempting to clean up the resulting mess!
Identity theft is more like a family of crimes. It takes several different forms.
New Account Fraud -
The most common form of Identity Theft is when the criminal obtains your personal information and uses it to obtain credit in your name.
Existing Account Fraud -
The second category concerns misuse of existing accounts. Again, the same documentation needed to open new accounts can be used to access the victim’s current accounts
Child Identity Fraud -
In this instance, a thief steals the identity of a child. Here is the catch with this one. You or your child may not know about the theft until they grow up and get out on their own! The thief can have almost twenty years to destroy the child’s name. Luckily, this is easy to clean up. Not even your credit company is going to believe a three year old applied for a loan to buy a car!
Deceased Persons Fraud -
This one can be almost as insidious as Child Identity Theft. Why, because who is going to complain! Here the thief steals the identity of a recently deceased person. With no one to complain, how long it can go on.
Work Place Identity Theft -
Here things get a little tricky. This type of identity theft can happen whether or not you know the assailant. In its simplest form, someone at your work steals your personal information and then your identity. That is bad enough, but what about someone stealing the information you entrust with a compa
In the last few years, I have seen membership subscription websites take the Internet by storm. Most subscription sites offer their subscriptions for a fee; however, a handful offer their information for free to anyone who will provide an email address and name.The focus of this article will be on the fee-based membership subscription websites. Back in the Internet dark ages in 1997 or so, everyone expected everything online to be free of charge. For a few years, as more and more people purchased computers and chose to be online, that philosophy worked quite well. Around the year 2000, how
Clearly, time is a critical component in protecting yourself and recovering from Identity Theft. Quick discovery can help reduce the amount of monetary damage AND the number of problems you may encounter when attempting to clean up the resulting mess!
Identity theft is more like a family of crimes. It takes several different forms.
New Account Fraud -
The most common form of Identity Theft is when the criminal obtains your personal information and uses it to obtain credit in your name.
Existing Account Fraud -
The second category concerns misuse of existing accounts. Again, the same documentation needed to open new accounts can be used to access the victim’s current accounts
Child Identity Fraud -
In this instance, a thief steals the identity of a child. Here is the catch with this one. You or your child may not know about the theft until they grow up and get out on their own! The thief can have almost twenty years to destroy the child’s name. Luckily, this is easy to clean up. Not even your credit company is going to believe a three year old applied for a loan to buy a car!
Deceased Persons Fraud -
This one can be almost as insidious as Child Identity Theft. Why, because who is going to complain! Here the thief steals the identity of a recently deceased person. With no one to complain, how long it can go on.
Work Place Identity Theft -
Here things get a little tricky. This type of identity theft can happen whether or not you know the assailant. In its simplest form, someone at your work steals your personal information and then your identity. That is bad enough, but what about someone stealing the information you entrust with a compa
Paid Survey Sites. I am going to give it to you straight.You found this site on the internet that promises to give you access to consumer paid surveys, where participants can make $50 or more per survey. The claims seem almost unbelievable.Can I really make that kind of money just for offering my opinion?-Short Answer: Sort Of-Longer Answer: Consumer panels, survey companies, and marketing firms offer their participants cash and/or prizes. The more companies you sign up for - and there are hundreds - the more money/prizes you will receive.
Existing Account Fraud -
The second category concerns misuse of existing accounts. Again, the same documentation needed to open new accounts can be used to access the victim’s current accounts
Child Identity Fraud -
In this instance, a thief steals the identity of a child. Here is the catch with this one. You or your child may not know about the theft until they grow up and get out on their own! The thief can have almost twenty years to destroy the child’s name. Luckily, this is easy to clean up. Not even your credit company is going to believe a three year old applied for a loan to buy a car!
Deceased Persons Fraud -
This one can be almost as insidious as Child Identity Theft. Why, because who is going to complain! Here the thief steals the identity of a recently deceased person. With no one to complain, how long it can go on.
Work Place Identity Theft -
Here things get a little tricky. This type of identity theft can happen whether or not you know the assailant. In its simplest form, someone at your work steals your personal information and then your identity. That is bad enough, but what about someone stealing the information you entrust with a compa
Affiliate programs promising huge rewards are spread liberally throughout the Internet so why choose to become a poker affiliate? There are so many reasons that the odds are baffling but here are a few of the main decision clinchers.Poker is a game that is enjoyed by millions all around the world. It has been played for centuries and has only grown in popularity. It is an established and hugely popular game, which will no doubt endure for centuries to come.As such the online poker industry is booming. Where other industries have dropped off or levelled out after initial interest has
Deceased Persons Fraud -
This one can be almost as insidious as Child Identity Theft. Why, because who is going to complain! Here the thief steals the identity of a recently deceased person. With no one to complain, how long it can go on.
Work Place Identity Theft -
Here things get a little tricky. This type of identity theft can happen whether or not you know the assailant. In its simplest form, someone at your work steals your personal information and then your identity. That is bad enough, but what about someone stealing the information you entrust with a company?
Immigration Fraud -
Identity Theft is a problem on the immigration front also. Illegal aliens often attempt to use stolen or falsified documentation to enter the country. Your documentation can be used to establish the illegal immigrant’s right to work, in the United States.
Criminal Record Fraud -
The last type of Identity Theft is perhaps the most damaging! In this instance, the thief uses your information to leave you with a criminal record!
Imagine being pulled over for a speeding ticket only to find out you had several warrants out for your arrest!
How do you prevent Identity Theft? You prevent it by being proactive! Check your credit reports at least yearly! Check Equifax, Experian and Trans Union.
Equifax: (800) 525-6285
Experian: (800) 301-7195
Trans Union: (800) 680-7289
Be careful of how you dispose of your old mail. Utility bills Phone bills, school papers and many other items can give an identity thief all the ammunition needed to steal your life.
Pay attention to mail that you receive or do not receive, if you suddenly stop getting your credit card bill call the company and find out why. Your mailing address may have been changed without you knowing about it.
Identity theft can ruin your life if left undiscovered. Counter this by actively monitoring your credit and other accounts. Like other criminals, these thieves look for victims. People who proactively look after themselves and their families are seldom mistaken for victims.
Before you do anything else, call all three of the numbers listed above and order a copy of your credit report. Do it, right now!
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