Identity theft is nothing to laugh at
There is a clear November night on the Friday after Thanksgiving, and then wait for your car warm-up before the long ride home from the beginning of your father's house in Philly, North Jersey. There is one on the side of your driver's window, tap, look into a dazzling ray of light. It is the police. The officer motions for you to roll up your window, he wants to know why you're sitting in the car with the engine running.
You agree that you are sitting in front of your fatherHouse is waiting for your car to warm-up, and you'll be on your way to one or two minutes. "Barks license, registration and insurance," the officer as if he had no idea what you just said. You have no criminal record you own a business, you have served in the Air Force, you have not been drinking, and you got a wife and two beautiful little girls have to go home so that you comply without an argument. "It's no big deal," you think, "I still wait for the car warm-up anyway," as theOfficer runs into his vehicle.
A minute later, you'll remove from your car, handcuffed and read your rights. They want to know what's going on and they told a bench warrant from a city you do not remember in which has been granted for a ticket you can not remember receiving. "When I have a ticket in East Orange?" You ask again, only to everyone else. They sing the sad ol 'song, and it is on deaf ears, because the police, they too have heardIs this familiar daily sight of all they always put on the bracelets, as they in first place on a uniform. You know the tune "It's not me officer, you have the wrong guy."
The cops even have a word for it, Toddies. Tell Stands for The Other Dude Did It. Needless to say, you're on the way to the police to try, and the thing out.Your car gets impounded and you're on the East Orange, NJ police, is transporting all the time no information about you soTicket or its court date. It's Friday night, you get your fingerprints and photos taken, call your wife and tell her what happened: a court is not until Monday evening and because you for skipping court, no bail is arrested defined. The funny thing is, they do not remember either a court, and notices.
Monday can not come fast enough, you're finally taken to see the judge, he opens "your" folder. Lo and behold, they're not looking for "you" – you can go. Seems someone withYour name to break the law. It does not end with this. The first event was years ago. Accompanied a few weeks ago the East Orange police, a local patrol person, show up in your home with the same justification. This time you're handcuffed in front of your wife, the 7-months pregnant, your 4 & 5-year-old girl and your neighbors. This time it only took three hours to just the situation. Now we have a letter from the court the whole time to wear, it says that you are not the person forwhich seek them. This could be done for the rest of your life, you have to prove, "I am."
Previously it was believed the cliché that "prevention is better than a pound of cure" to be pragmatic. Now we understand the problem: you can not prevent identity theft!
You can not stop the millions of bits of information already in databases about you. However, you can protect yourself. First, know what is on your credit report! For this to be effective, you need from the informationall three credit repositories: Equifax, TransUnion and Experian. Secondly, with your credit card you will receive continuous monitoring to warn all the changes or to ask for your credit report, which is used to the crime, the quicker you get your life rediscovered. Unfortunately, too many of us play the wait-and-see card, my credit stinks anyway game, or I do not use the Internet so I'm sure charade, which allows fraudsters to run them hundreds or thousands of dollars on new accounts opened in our nameapply for employment or avoid medical services on our behalf, or as in this case with your name on the prosecution.
Everything between you, employment, health, a house or a loan, a criminal record, or liability for taxes, because some jerk a job with your personal information, your good name. A report by the Federal Trade Commission (FTC) in September 2003 states: 1 of 6 people fall victim to identity thieves every year. Wait and see, is no longer aOption. Your good name demands you act proactively.
I love a good laugh, but identity theft is no joke, even though Citibank ® want to make us believe otherwise. If you watched any television at all, since his debut on advertising. You've probably seen the commercial where the couch potato laments the "valley girl" voice-over: "First, I met the current account and then I went to the mall – einstausendfünfhundert dollllars for a leather bustier." "They" do not care, it was not their money.She had been the "poor slob's emptied" checking account.
I know humor sells and it sounds nice if you are the "poor slob," or any of the other millions of people who have been victimized. The theft of identities of the people is not a new crime, the required information has become easily accessible. Partly on the internet and the lax security protocols of our banks and other financial institutions, some of the blame lies with our need for comfort. We let our waiteraway, who knows where to do this, who knows what with our credit cards. We let our outgoing e-mail in our mailboxes with the flag, no one can see signals. We discard important documents with sensitive personal information about them without having them cut. We carry our social security card and use it as a form of ID. It is no wonder that for the sixth consecutive year, identity theft is the top consumer complaint.
In July 2003, the Identity Theft Resource Center (ITRC), publishedan overview of the victims of this crime, studies not only areas previously administered by the FTC, GAO and other groups were studied, but also quantifies areas that have never been tested. The study highlights include:
• Fraudulent charges now average more than $ 90,000 per name used.
• Almost 85% of all victims about their identity theft case in a negative way. Identify only 15% of the victims, taken by a pro-active measures a company.
• The average durationspent by victims is about 600 hours, an increase of more than 247% compared to previous studies.
• The emotional impact of identity theft has become clear that parallel to the victims of violent crime.
• The response to the victims of the various organizations with which they must interact continues to be lacking in sensitivity in most cases and has published since the studies in 2000 improved (Nowhere to Turn).
There are five types of identity theft: Financial (which accounts foronly 27% of all ID theft), criminal justice, medical, social security and driver's license. Identity thieves use a system that is subject to a fundamental flaw. Credit applications can be sent by Internet may be submitted by telephone or in person. According to the law enforcement authorities, the average being arrested less than 5% of all reported cases. This was mainly due to the fact identity theft frequently crosses jurisdictional boundaries, with crimes, which often happens outside the city or town lives the victim. Where doesthe victims of this crime report under these circumstances? When was the last time you checked your credit report? Have the bank statement from last month and it is still unopened? This is a crime of opportunity and due diligence is the only way to catch him.
The next time you're in your house of worship on a bus to a ball game or a movie look at the three people on the left side and then the three on the right side are the chances one of them is or was a victim identity theft or whitesomeone who has. I do not care how funny you think the Citibank ® 's ads are, if someone uses your name and the police come, get out of your house before your family and neighbors, you will not laugh.
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