In our last post we discussed elements of identity theft on a broader scale. Today we will be examining in more detail the most prominent ways identity thieves are stealing your identity. Here are three of the top ways identity thieves are stealing your identity today:
1) Credit/debit card theft – Entering your credit card information onto a fake website.
These websites are owned and operated by identity thieves. They store your credit card information and any other information that you give them. They then use this information to exploit you financially. In order to avoid being a victim of this kind of scheme, make sure the site you are on is authentic. Always make sure that when entering any payment information online there is a SSL Certificate. This will appear as a lock in the URL bar of most web browser. In addition, you can go to this site, http://www.whois.com/whois/webnames.ca which tells you who owns the domain.
2) Pretexting – when an identity thief contacts you trying to attain personal information.
Identity thieves will already have information about you, making it more likely that you will willingly give up even more personal information. They will pose as your bank or another important establishment stating that they are need of specific personal information about you. First things first, never give out your social security number to someone that contacts you. Always hang up and call the official telephone number of the entity that contacted you. More than that it is important to simply be mindful of the information that you give out to people.
3) Phishing scams – Sending emails pretending to be your bank or any other important establishment.
This is the most common scam that’s currently being done on the internet. Phishing scams will make it appear like there is a problem that requires you to enter your personal information. Your information is then recorded by the thieves and used to steal your identity. No bank or agency that needs your personal information will request it through email. The easiest way to test the legitimacy of any email resembling this is by simply calling whoever emailed you the request.
There are many variations of each of these scams. One of the best things that you can do to protect yourself from identity theft is to be mindful of the personal information that you are giving out. On top of this, self checking through Spyfly.com can allow you to catch identity theft before it goes too far. Pulling up information on yourself is easy. The information provided by Spyfly.com can help you determine if your identity has been stolen. And from there you can begin the processes of recovering it.