Despite all the deterrents and agencies involved most identity theft solutions fall flat because there are so many loopholes to gain access to personal information.
So you’ve got the latest security features installed on your computer and you never use the internet to shop or bank; you’re still not fully protected.
We live in a technological age where thieves, hackers and impersonators do a pretty good job at getting what they want to further their needs. Your garbage is up for personal scrutiny once you place it on the curb; your mailbox, in most cases can be easily opened and all contents removed and did you know that your mail can easily be forwarded via the internet? The postal office may tell you that they have checks and balances but it can be done.
How well do you know every person at work and do you know the nighttime security and maintenance staff that well? Most employees forget that night time brings open offices and unauthorized people into your workspace leaving whatever information you’ve left behind at risk. A magazine with your name and address typed on the front, a bank statement or a paycheck stub in your desk, a check not thoroughly torn up that’s been thrown into the wastebasket. Those items make you more familiar to a thief and allow them into your personal life. How will you know if your name or address is being used?
If someone from work lifts a personal document from your office and sells it to someone how would you know? How long would it take before you were alerted to this violation? A better question is, how long would it take to clean up the mess from this travesty? Most people who’ve been violated will tell you that it’s not the actual theft that harmed them; it was the occurrences after that took a toll on their lives.
You began getting calls to your home about bills that you never incurred and debt collectors want to know when you will send in a payment. You explain that you never opened an account with that vendor but you’ve never been through this before so you really aren’t adept to understanding the laws on identity theft solutions. You verify your name and address with the debt collector and even give them your social security number. They tell you to file a police report and send them the proof.
The next month you get a credit report and you have numerous accounts listed on there. What you didn’t expect is that now you have to deal with each collection agency, writing letters, making calls and trying to clean up your credit report but you’ll soon find out that this could take a year or more because the debt collector will just sell the account and you’re back to square one.
One of the best identity theft solutions that covers most attacks and loopholes are the insurance companies that specialize in monitoring your credit. If you sign up for an insurance policy the company will place an alert on your name in case any public entity tries to open an account using your information.
Most people only focus on the credit bureaus and placing alerts for your credit however if someone opens a utility account it probably will not wind up on your credit. If someone uses your identity to get a driver’s license in another state or a library card or a simple community bank account your credit may not be assessed.
Agencies try and support consumers by coming up with emerging technology that fit within their identity theft solutions but they’re incomplete. An insurance policy for your name is the best way to cover all the bases.