Identity Theft Protection

Identity Theft Protection

Did you know that…

The FBI calls identity theft the fastest growing white-collar crime in America?
An identity thief could steal your identity to obtain money and property by using and ruining your good credit?
1 in every 28 consumers was a victim of identity theft in 2008?**
On average, victims spend up to 600 hours and $1,400 recovering from identity theft?***

** 2009 Identity Fraud Survey Report, released by the Better Business Bureau and Javelin Strategy & Research.

*** 2 Identity Theft: The Aftermath – 2003, released by the Identity Theft Resource Center

What is Identity Theft?

Identity theft is currently the fastest growing white collar crime in America.
In cases of identity theft, criminals obtain your personal data (such as a credit card number or Social Security number) and use the information to assume your identity. Thieves may take over your existing accounts or use your name to open new accounts, or apply for loans.
You may not be aware that your identity has been stolen until a merchant or collection agency contacts you, seeking payment for a bill you know nothing about. Or, you may be declined for a loan or employment because your credit records show defaults on loans unknown to you.

How Do Identity Thieves Get My Personal Information?

While the more elaborate schemes are the ones that often make headlines, most identity thieves still obtain a victim’s information through conventional paper means including:

A lost or stolen wallet, check or credit card.
“Dumpster-diving,” or digging through your trash for statements and other financial information.
Theft of mail from your mailbox.

Current findings indicate that about 11% of identity theft is traced to online, computer-based crimes. Identity thieves use fraudulent e-mails (a practice known as “phishing”) and fraudulent web sites to trick you into revealing personal data online.

How Much Am I at Risk?

It’s estimated that 1 out of every 28 consumers was a victim of identity theft in 2008.**
To assess your own personal risk of identity theft

What Else Can I Do to Protect Myself?

Most experts agree that even if you take all the right precautions, you may not be able to prevent identity theft from happening – in part because your personal information is not always in your control. Recently, for example, consumers’ personal data has been lost or stolen from companies ranging from banks to retailers to personal data vendors.

What you can do is protect yourself with coverage that helps you in the unfortunate event that you do become a victim.

BEYOND INSURANCE

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