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Avoid Identity Theft

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What is identity theft?

[/vc_column_text][vc_column_text]Identity theft is a serious crime that involves using someone’s identity to steal money or gain benefits. Anything from your name, driver’s license, or Social Insurance Number could be used by an imposter who intends to commit fraud in your name. With your Social Insurance Number, someone can easily obtain false lines of credit and rack up significant debt in your name. With a stolen identity, someone might hide behind your name in a legal matter, leaving you with a false criminal record.[/vc_column_text][vc_column_text class=”heading”]

Am I a victim?

[/vc_column_text][vc_column_text]In order to detect identity theft, requires being intimately familiar with your surroundings. Keep notice of suspicious activities that claim to be done by you. Keep  track of your credit score. The more you know about your credit info and what it holds about you, the better aware you can be of potential problems. If you find something out of place there—like a credit card you never applied for, for instance—it could be an indication that cyber thieves have stolen your personal information.

You receive an unexpected text, phone call or an email  asking you to confirm your  personal details. This could be an attempt  in itself to gather personal information or an indication that someone is using your identity. Be Careful not to provide your personal details and always inquire further about the email sender.

You receive a friend invitation or request from someone you don’t know in social media. Which could be a potential attempt to gather information on you that are not available publicly.

You are unable to log into your social media or email account, or your profile has been logged into from an unusual location. This is an indication that someone has accessed your account. Immediately change your password  and set up  2 factor authentication whenever possible. Check your message histories for any messages you haven’t send to your friends. The messages could have also been deleted so keep a watch for any thing your friends tell you that you don’t remember talking to them about.

You notice that there are some transactions in your bank that are unaccounted for and notice money go missing. This is an indication that someone has access to your credit card or bank information.

You receive bills, invoices or receipts addressed to you for goods or services you didn’t purchase yourself.

You no longer receive your credit card statements in the mail. The  fraudster could have requested to stop the statements to avoid detection.

A collection agency contacts you to collect on your defaulted account, when you never opened that account[/vc_column_text][vc_column_text class=”heading”]

How to avoid identity theft?

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What should I do if I’m victim of credit fraud?

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Credits: 

https://www.transunion.ca/identity-theft

https://www.scamwatch.gov.au/types-of-scams/attempts-to-gain-your-personal-information/identity-theft

https://www.experian.com/blogs/ask-experian/how-do-you-check-for-identity-theft/

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