Identity theft occurs when a person uses the identification of another person to commit a fraud, theft, or deception, typically for economic gain. By wrongfully acquiring another’s personal data, such as, name, address, Social Security number, mother’s maiden name, bank account, passwords, PIN codes, and credit card numbers, imposters use this information in a variety of ways.
Here are some of the ruses to be aware of:
- They call your credit card issuer and, pretending to be you, ask to change the mailing address on your credit card account. The criminal then runs up charges on your account. Because your bills are being sent to the new address, it may take some time before you realize there's a problem.
- The criminal may open a new credit card account, using your name, date of birth and Social Security Number. When they use the credit card and do not pay the bills, the delinquent account is reported on your credit report.
- The criminal establishes phone or wireless service in your name.
- The criminal may open a bank account in your name and write fraudulent checks on that account.
- The criminal may file for bankruptcy under your name to avoid paying debts they have incurred under your name, or to avoid eviction.
- The criminal may use counterfeit checks or debit cards, and drain your bank account.
- The criminal may buy cars by taking out auto loans in your name.
- The criminal may give your name to the police during an arrest. If they are released from police custody, but do not show up for their court date, an arrest warrant is issued in your name.
A good way to prevent identity theft is to be careful with your personal information and to shred documents that have this personal information. The county provides a free paper-shredding service to residents through the use of the Mobile Shredder truck.