It is so easy to obtain personal information, more now then ever before. We have little privacy. Your name, phone number, address and social security can be obtained for a fee by almost anyone.
We will show you 2 preventative secrets that you can implement within an hour for free. This will virtually protect you from identity theft.
If these secrets were implemented it would eliminate identity theft up to 99%
40% of most identity cases are from someone the victim knows, Such as friends, family or a relative. Only 1/3 of identify fraud are from stolen wallets, purses or checkbooks.
There are two basic victims. One is basic identity theft and the second is credit hijacking. Basic identity theft is when your identity is stolen and used to obtain new credit. Credit hijacking is when the criminal is using your existing accounts.
First secret
Place an initial fraud alert on all three credit reports. This protects you in 3 ways.
1.Stops your name from being sold by credit bureaus to any 3rd parties. An example would be credit card offers. This will last for 90 days.
2.Stops anyone from being approved for credit with your personal information, unless you are personally contacted and verify the authorization to do so.
3.By placing the fraud alerts you are entitled to a free copy of your credit report for all 3 bureaus.
For details about establishing an initial fraud alert on your credit reports visit: http://www.experian.com ,
http://www.equifax.com and http://www.transunion.com
2nd Secret
Protect yourself from credit hijacking.
Establish a personalized secret code with all your bank and credit card companies.
Something only you would know. An example would be your best friend growing up in combination with your address numbers growing up Johny4455
Let me explain how this can stop a credit hijacker instantly in attempts to purchase anything.
If someone gets a hold of your credit card #, expiration date and code on the back of your credit card they can call up the bank posing as you and give them a change of address. Then proceed to have all the purchases shipped to the new address.
The address verification is one form of security merchants use, but if the address has been changed the hijackers can bypass this security and proceed to purchase 1000âs of dollars using your credit.
By establishing this personal security code no one will have access to your accounts without giving them this personal information.
Of course this is not public information and that makes it truly secure.
If someone steals your credit cards the joke will be on them.
In conclusion, by setting up fraud alerts and creating a personal security code, you can protect yourself in less than 1 hour.
To learn more about being in control of your financial identity and improving your credit score take advantage of our free mini credit book.
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Source: http://www.articlealley.com/article_464557_19.html
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