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Pattaya Daily News

13 March 2010 :: 17:03:01 pm 15600

New-Age Crime Wave: Identity Theft

You may not know until you apply for new credit that you have been the victim of an identity theft It can strike any one, especially elderly people as they are vulnerable and easy to obtain personal information from.
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Identity theft is a fast growing crime with scammers using information personal information to steal a person’s identity ruining a life time of positive credit references. This crime affects approximately 900,000 new victims every year with many not knowing they have become a victim until they try applying for a loan or credit. Identity theft is usually not discovered until an approximately fourteen months have passed after the crime.

Elderly people are not so aware of the potential dangers when giving out information and tend to take few precautions to protect themselves. It is dangerous to be totally unawares when it comes to your credit report, so it is an idea to ask for a report from all three national credit bureaus on a regular basis.

Opening a new credit card account, using the consumer’s personal information, calling the credit card’s issuer pretending to be the consumer in order to change the mailing details on the account, with the thief running up charges with a new a bank account using the stolen identity and writing bad cheques, are just some of the ways in which stolen Identities are put to use.

Advances in technology to protect consumers have unfortunately kept the thieves in business. It has become very easy for identity thieves to gain access to private information and ruin a consumer’s good credit history and credit standing.

When applying for your credit report you must provide details of your name, address, Social Security number and date of birth and details of your previous employer if you have moved within the last two years of applying.

Patty Brown

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