Most people are familiar with a few of the ways that identity thieves steal information, such as digging through trash to get credit card bills and bank statements. However, there are many other ways that a criminal can gain access to your social security number, your driver’s license number, or other important information. Below, you’ll find five ways that identity thieves steal your information and some you may not know about.
Skimming
This is the practice of rigging a credit card machine to steal your credit card number. It can happen anywhere, including gas stations, restaurants, and retail stores. In some cases, it’s an employee that rigs the machines; however, there are now electronic devices that can gather this information digitally. While you may not always be able to prevent this specific type of theft, make sure you take both copies of your receipt whenever possible.
Phishing
Internet fraud is the fastest growing facet of identity theft. Phishing is a scam that involves using an email or pop-up advertisement that appears to be from a financial institution. The email will tell you that your financial information has been compromised and you need to click on a link in the email. Once you do so, you’ll be prompted to enter in the information again. This is one of the most common identity theft scams on the internet today. It’s very difficult to tell this type of email from a genuine email from a financial institution. If you receive such an email, don’t provide any information and contact your financial information immediately.
False Pretenses
You might be surprised where identity thieves can get your information. Some will bribe or con employees of utility companies, telephone companies, or even governmental agencies in order to get your personal or financial information. This is why it is so important to keep a close eye on your bank and credit card statements, as well as your credit report.
Telephone Solicitations
While you may think that you’re a savvy individual, a fast talking con artist can often persuade you to give up personal information over the phone. You may be told that you’ve won a contest and your bank account information is needed to deposit your winnings. Others may tell you that your social security number is needed for tax purposes. Never give your personal or financial information over the phone.
Stealing
Thieves will take any opportunity presented to take your purse, wallet, or checkbook. Mailboxes are often targets and can provide thieves with blank checks and new credit cards. Don’t leave your purse or wallet in a vehicle and always pay attention to what is going on around you.
A Final Thought or Two
You can deter identity theft by simply being aware of how this crime occurs. Treat your personal and financial information like the valuable commodity that it is.