Identity theft is the crime of using forged or stolen identification documents (birth certificates, social security cards, passports, etc.), usernames and passwords, or other personal information (banking pins, credit card numbers, etc.) for any purpose at all.
For more information visit these sites:The Federal Trade CommissionNelnetand check out this infographic:
1. Read your credit card and bank statements carefully and often.
2. Know your payment due dates. If a bill doesn't show up when you expect it, look into it.
3. Read the statements from your health insurance plan. Make sure the claims paid match the care you got.
4. Shred any documents with personal and financial information.
5. Review each of your three credit reports at least once a year. It's easy, and it's free.
For more tips and tools on dealing with identity theft, visit The Federal Trade Commission.
Dumpster diving through trash for bills, bank statements or pre-approved credit card offerings
Skimming, using electronic card readers to collect data from magnetic strips
Telephone, by impersonating a legitimate organization to obtain personal information
Changing your address, diverting your billing statements to another location by completing change of address form
Hacking, spyware, Trojan horses, viruses that log keystrokes, or even purchase info online
Data compromise by businesses or organizations
Old fashioned stealing wallets, purses, mail, personnel records, or even bribe employees who have access
1. The company or person does not provide their address or phone number where they can be reached.
2. They require you to act immediately on the information they provide you.
3. It's to good to be true.
4. You're asked to move money.
5. The webpage prevents you from leaving the page by using pop-ups or hijacks your browser. (close the browser and clear your history and cookies if this happens. If the browser does not close shut down the computer.)
6. You receive official or professional looking mail, but the company or logo is unfamiliar.
7. Search engines turn up negative results such as complaints or warnings.
As soon as you think your information is compromised, report it to government authorities such as:
Federal Trade Commission
State/Local officials Consumer Action
Internet Crime Complaint Center
Better Business Bureau
1. Place a fraud alert on your credit reports and review your credit reports
2. Close any accounts, including bank accounts, you know or suspect have been tampered with
3. File a police report in the community where the ID theft took place
4. File a complaint with the Federal Trade Commission and Wisconsin Office of Privacy Protection
5. Cancel government-issued ID and obtain a replacement if appropriate
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If the money you spend in four years at a public college was a stack of pennies, it could reach more than 8.5 miles high, higher than most airplanes fly.
84% of college students have a credit card. 50% of them have 4 or more.
The average total debt for the Class of 2013 is $35,200.
There the will be approximately $1,200,000,000,000 in circulation in 2013.
$67,000,000,000 in student loans were in default in 2011.
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