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You Can Avoid Identity Theft
Before we go into how we can avoid identity theft, let us see what identity
theft means. Identity theft is mostly defined as a state where another person
uses your name to appropriate gains due to you – this could be anything from
abusing your credit cards to usurping your medical insurance or bank balance, or
committing crimes in your name.
We are often not aware that we leave behind us a
trail of vital information, which literally invites miscreants to pick it up and
misuse it. How many times you have written your full name, security number and
phone number on the back of the pizza payment check? Now, sit and think
logically how many people would have access to that information before the check
is deposited.
Then, you will have the bank personnel who will have access to your account
number as well. Can you realize how inviting it can be to know the details you
have mentioned? If that check falls into the hands of any unscrupulous person,
you will be wide open for identity theft whereby your bank can be cleared within
minutes.
How to Avoid Identity Theft?
Basically one word will do here – careful. If you are careful, you will be
able to sidestep a good number of traps and avoid identity theft effectively.
The following guidelines would be helpful:
1. Keep all the critical information (it is even better if your keep all your
information) concealed. Do not write your driver license number or social
security number anywhere, lest people will copy it and use it. This is
particularly important when it comes to checks. People tend to write all kind of
identity information right on the back of the checks. You should rather give
only your phone number and if the bank needs further identification or
verification, they will call you up.
2. Never give any information over the phone. How do you know that the person
at the end of the line is a genuine person? If the bank is calling you, ask the
name of the person and inform that you will give the information in person, or
send it through someone you authorize on your behalf.
3. Never give your financial details for buying things over the Internet.
Whenever you like something, check out the website (name of the enterprise) with
the BBB or Better Business Bureau to see whether they are genuine. Unless you do
this, you might be feeding your financial information into a clone website. This
is one of the most popular methods to steal people’s identity; hence, you should
be very careful about what you are doing and with whom you are interacting to
avoid identity theft.
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