Identity Theft

The process of recovery from an incident involving identity theft can feel like it takes a long time, but in reality, banks, creditors, and financial institutions are more accustomed to handling these reports than they were in the past. Many of them now have identity theft divisions that help their customers process these claims, which helps to ease the process somewhat.

Got A Job? What To Do If Someone Works Under Your Name

It might not seem like a big deal to some, but there’s actually a very serious problem with people working under a false identity. While it might not seem to most people like as big a problem as someone having a credit card or loan in your name, it’s actually a serious problem. Identity thieves who steal your employment identity can actually do further long-term damage to you and your family than if they’d simply gotten a credit card.

Having your identity stolen is an upsetting, even exhausting situation. Many victims have suffered sleepless nights from worrying about who had their information, how they had gotten it, and what else they were possibly doing with it. The recovery process, while time consuming, can offer them some measure of closure, though. But what do you do when your identity is stolen by a relative, or even by your own child?

It would be wrong to suggest that having your identity stolen is an inevitable fact. For some people, it’s never an issue. But it would also be wrong to imply that anyone is immune from it. Thieves and hackers keep finding new and innovative ways to not only nab your personally identifying information, but also new ways to use it.

Identity theft is a growing problem, and some law enforcement officials have declared that there is no end in sight for these thieves. It has basically become too easy to do, too easy to get away with, and too lucrative for these criminals to stop. But as awareness of identity theft grows, some states are putting safeguards in place for their consumers.

With the availability of technology to help thieves along, identity theft is often a quiet occurrence. Many victims don’t even know they’ve been affected until a credit card provider or a collections department contacts them, requesting payment on an account they didn’t open. Once that call comes, however, many victims are rightfully afraid for their financial reputations.

You keep hearing it over and over: check your credit report. But what is a credit report, and what does it mean?


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