How do you react when someone makes a wrong name or calls you with another name? Is this too annoying? What if someone borrows money from your bank with your name? Or, use up the credit line you don't know? Terrible, isn't it?
Identity theft is the most common cyber threat and is growing rapidly. According to the 2017 identity fraud study, a record 15.4 million Americans were victims of identity theft; more than 2 million victims were added over the previous year.
So what is identity theft?
It is the illegal acquisition of someone's personal information, defining the identity of others, such as address, social security number, date of birth, Aadhar number, credit card number, bank details, etc. Now, a cybercriminal can manipulate and abuse information in the way he wants.
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How do you know when you were victimized?
The biggest concern about identity threats is that people are often aware of this. If you believe that your identity has been stolen, rather than sitting there, don't worry, you must take the initiative to understand the warning signs and prevent you from suffering serious financial or reputational damage.
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Here are some signs of your identity being stolen:
1. Bank or credit card statement error:
Regardless of the amount, don't ignore any unauthorized transactions. This may be a hint before trading a lot of money. The purpose of 诀窍 is to test whether the account is charged. Each major bank lets customers track their expenses online or through a dedicated smartphone app, so you can't ignore any suspicious activity in your account anyway. Don't wait for monthly statements, but regularly monitor your credit reports and all your financial accounts to identify fraud as quickly as possible.
2. No bills and emails received:
If your bill does not arrive on time, please follow up with your creditors. "Identity thieves will steal victims and mail - in some cases, they change their mailing address to their fraudulent address through the post office," security consultant Robert Siciliano said. This may indicate that the identity thief has invaded.
3. Receive your unpurchased bill:
A thief may purchase goods or provide services on your behalf and use up your credit line. If you start receiving bills or notifications for overdue payments that you don't know, someone may steal your identity for financial gain. Pay attention to incoming and outgoing bills and statements in your inbox and mailbox. If this happens, you must notify your creditor that you are the victim of identity theft and that it is not your debt. In addition, a police report was submitted to avoid further allegations.
4. Tax refund tax return:
If this happens, you have more reasons to worry. An identity thief may file a tax return on your behalf in order to leave in a fraudulent manner. When you submit a tax, if you receive a notification that a declaration has been submitted based on your social security number, or if your social security number is absolutely correct and your return is rejected, then you are likely to be identified. Has been compromised.
5. Data security issues reported by your employer:
Because of social media, hackers know that your current or former employer is not a big problem. If someone has your social security number and the name of your current employer, it is not difficult for him to receive unemployment benefits on your behalf. In this case, you may get information about this person from your human resources.
6. Get a two-factor authentication alert:
We often set up two-factor authentication alerts for individual accounts. If you receive a text message with a six-digit password to access a service or membership that you didn't recognize at the time, please be aware! Sign out of the account and change your password immediately. Change any passwords that may be associated with emails on other websites.
7. Credit score rises:
An increase in the credit score may also be a red flag for identity theft. Ralph Rodriguez, CTO of Confirm.io, suggested: "Check your credit report frequently to see your unopened accounts and hard queries that may suggest fraudsters trying to provide credit on your behalf." Due to the high price activity in your account You may receive a phone call for an expensive item.
Most cyber attacks are designed to steal financial data and email credentials. But hijacking social media accounts is equally scary. Spreading private photos and videos on the Internet is a public issue.
If you become a victim of this identity theft, take immediate action:
• Discover the source of the theft. Try to remember online activities that can lead to theft; any strange attachments you open, download suspicious software/applications, register on an e-commerce site, use your credit card to sign up on a new website, and more.
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• Change your password immediately
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• Contact one of the credit reporting agencies ' fraud alert department and post a fraud alert on your credit report.
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• Notify your lender, bank and insurance company to explain the situation
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• Notify the police. This is evidence of a crime. The credit reporting agency will investigate further in accordance with this report.
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• Check if your computer is affected by a virus. If your identity has been compromised by a virus or malware, it may still be hidden on your computer and attacked again. Run an updated antivirus program or seek advice from a network security expert.
These are the dangers of living in a digitally connected world. All we have to do is keep our senses open and proactive against all these threats.
Orignal From: 7 warning signs of identity theft and what to do next
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