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Identity Theft
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Identity Theft
Understanding and avoiding identity theft: Internet ScamBusters #47
Internet ScamBusters™
By Audri and Jim Lanford
Copyright © Audri and Jim Lanford
Issue #47
This issue addresses what is probably one of the most frightening and least understood problems for many people today. Identity theft.
Identity theft was used by some of the terrorists on September 11.
This is a fairly complicated issue, so we're going to explain the basics here and give you pointers to some great resources you can use to learn more and to defend yourself.
The US Government defines it like this: "Identity theft occurs when someone appropriates your personal information without your knowledge to commit fraud or theft."
To put that in more day-to-day terms, it works like this:
Someone gets your name, address, social security number and credit card or other information, and uses them to run up big bills, pretending they're actually you. They skip on the bills and leave you with ruined credit and collectors hounding you.
For those who have been there, it's a nightmare. The companies who made the loans often assume that you are the one who actually incurred the debt, and are trying to beat them out of their money. They can be very aggressive in their collection tactics. The stress, the paperwork, and the sleepless nights often take a bigger toll than even the debt.
The feeling of having been violated is something many victims say is the worst of all.
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