Don’t remain a victim of ID theft

August 31, 2010 – 10:10 am

Most people have at least a small understanding of what identity theft is. But most also don’t understand that there are several types of identity theft. Each one of these affects certain areas of our lives, and there are specific things you should consider when trying to deal with it.

Financial identity theft: When people hear the words identity theft, they usually think of credit reports and bank accounts. This type of theft is simple enough to understand: a thief gets his grubby paws on your bank account or credit card information, and strips the account clean or racks up a ton of debt. And you’re left responsible.

Medical identity theft: The World Health Organization has said this is the “information crime that can kill you.” This crime happens when a thief steals your health insurance information and proceeds to be treated for his own medical issues, using your information. The problem is that the treatments then show up in your medical records, which can be life threatening.

Criminal identity theft: This is where a thief steals your identity, then goes on a crime spree. It actually only takes one crime committed, but that crime goes on your record; not the thief’s.

Driver’s license identity theft: This is perhaps the easiest form of theft to commit Your purse or wallet is stolen, and your driver’s license is sold to someone who looks like you. Then it’s easy for that person to get other forms of ID in your name.

Social Security identity theft: Someone who doesn’t want to pay taxes finds this type of theft irresistible – an illegal immigrant, a deadbeat parent or a paroled criminal. Your SSN may be the most valuable piece of information a thief can steal.

Synthetic identity theft: A thief takes parts of information from many victims and then combines it to create a whole new persona. This type of crime is harder to track down, but you can be just as affected as if you were the primary victim.

Child identity theft: Kids are a big target for identity thieves, since their credit histories are clean and fresh. Unfortunately, there are lots of parents and family members committing this crime.

If you have been a victim of identity theft of any kind, contact your local law enforcement and file a report. Work on cleaning up your credit report immediately, and know your rights.

Identity theft may happen – but you don’t have to remain its victim.

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