Identity Theft & Fraud
Identity Theft occurs when a unauthorized person obtains your personal information such as your name, address, Social Security Number, credit card or bank account information to assume your identity in order to commit fraud.
Ways Identity Theft Can Happen
There are many ways identity thieves can steal your personal information - both online and offline. Some common ways identity thieves access unauthorized information are below:
- Dumpster Diving – Rummaging through trash looking for bills or other paper with your personal information on it.
- Skimming – Stealing credit/debit card numbers by using a special storage device when processing your card.
- Phishing – Pretending to be a financial institution, company or government agency and send email or pop up messages to get you to reveal your personal information.
- Hacking – Hacking into your email or other online accounts to access your personal information, or into a company’s database to access its records.
- “Old-Fashioned” Stealing – Stealing wallets and purses, mail (including bank and credit card statements), pre-approved credit offers and new checks or tax information. They steal personnel records from their employers, or bribe employees who have access.