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Identity Theft - Identity Theft
| Identity TheftEveryone is focused on the problem of "identity theft". Yet maybe the prespective is backwards.What people are "stealing" is simply a number that others use to represent someone's "identity". The problem is not with the theft of the "identity". The problem lies with how credit grantors and others determine ones "identity." The concensus is that if you produce a number (SSN) you are infact the peron that Social Security number represents. The truth is all your production of an SSN means is that you know that number! Since the real "owner" of that SSN uses the SSN and their name for many purposes (many public), any contention a person who happens to know a "SSN" and a "NAME" is in fact that person is completely absurd. The issue is not one of identity theft at all but the credit grantors and others using bogus methods to ascertain one's "identity". |
|  You bring up really good points Frank.Reading this post made me recall a time several years ago when i got a phone call from an government agency who said they were looking into a debt problem that was under my name. They asked me to come and discuss this and they showed me a picture of the ID that had MY name on it but a picture of a different guy. Everything about this guy was totally different, nationality, weight, height, etc. Except that this person had my name, and they said they suspect that this person has a history of identity fraud and just basically wanted me to sign papers stating that person was not me and let me go. I never had to deal with the debts, it must have not been that big or something but i was very relieved. It was strange though, to know that someone out there was using my name. I still to this day do not know how they managed to steal the information necessary to pretend they were me. So odd. |
| Okay "Identity Theft" is real. People get SSN or SIN numbers and with those numbers they can product a complete identity including Bank Accounts, Credit Cards, Driver's LIcenses and with these in place can steal your total identity and if they are good at hacking they can even hack into your bank accounts using your identity and changing the passwords. It doesn't take a lot to get the information required. Most of it can be done by sending out a "phony" survey from your bank with trivial questions with the usual "to put you into the proper category we need some basic information. Your birth date, your e-mail address, your total household income. It would amaze you at how many people fall for these schemes and don't even question it because it came from their bank. The unfortunate part is that a lot of seniors who are not completely versed in computers and mainly use it for e-mails to their loved ones don't have a clue that they should question this type of thing. That's how a lot of them get scammed out of their retirement funds and savings by being uninformed. |
| I wish banks wouldn't post your ss# on the statements. I have quite a few accounts and it is so time consuming shredding the stuff just to keep my identity. There is no reason for them to post that on the statements anyways. |
| Good Point. But unfortunately my identity has been that number only, which if goes to a wrong person then a whole lot of problems will start flowing in. |
| unfortunately it it way to easy for a person to have their identity stolen, there are so many things these days that require a person to enter their ssn. |
| Until recently my employer was posting my SS# on my paycheck. I don't know why they need that on my paycheck, all my bank needs is my drivers license. |
| Identity theft is an epidemic here in America. There is so much of it going around. Very few people get caught doing this crime. It’s hard for law enforcement to catch these crooks because nobody asks for proper identification. This is sad. |
| I do agree on everything said here. When I was in my second year of college someone stole my wallet and I had about 3 major department store credit cards that I used sometimes but always paid off the balance, and the person who stole my wallet maxed out my credit cards and now I am stuck with bad credit and the credit places calling me and wanting payments, and I told them what happened and even sent them all copies of the police report and they still are insisting payment and I refuse to pay for things I did not buy. |
| Society is not perfect. Criminals are now going with the flow of the constant technology flux. They are now equipping themselves with expertise which information technology experts use for profession and twist it into something more vile. Imagine, how where they able to use or unlock one's credit cards without altering or accessing the card. They now have connections, and I think there can also be a larger organization of thugs pulling their strings as well. |
| You have addressed a really important point Frank. It is true that the concern should move from 'identity theft' to whether those responsible are doing anything to curb it. The other side of the coin has it that when things must go wrong, they will eventually do. The moment you are least paying attention to fraud is when it tends to happen. Nonetheless, those responsible for financial safety need to move fast and stem the vice. To second Sweetness, those seniors need to move from emailing their 'loved ones' to keeping watch |
| I've noticed that people doesn't consider the criminal act as "identity theft" but rather an "account" theft as how I understood it. Their line of thinking goes like one's identity can never be stolen through mere valid identification cards. The culprit can only go as far as committing illegal transactions via consumption or exhaustion of these said cards (credit or social security cards) unless the original owner informs the bank or the establishment that their property got lost which will make future cuse of these culprit futile. |
| The world is flooded identity theft issues and what not. This is one of the cons of living in the modern era of technology. |
#13Los Angeles, Earth, Sol System | "That's the price for commerce"
This brings to mind the whole concept of where "credit" began. Before the days of FICO scores and credit profiles, credit used to extended based on a person's reputation. "That's Mitch the butcher, I've know him and his family for 20 years. He's a good kid. Go ahead, borrow my tractor."Can you imagine how slow and inefficient the credit creation industry would be? Credit scores and SSN are what identifies you in our modern age. No getting around that. In the past to protect your credit was easy - if anybody bad mouthed you, you could confront the issue head on. Today? Regularly checking your credit report is probably the only solution. |
| I would agree. If one does not check their report, and do so on a regular basis, they are very much liable to be confronted with a few devastating circumstances that would be fitting of the mishap. |
| "Verifying Identities"
Frank: - I agree with you. The link below is to an article by Liz Weston that comes to the same conclusion.I don't think businesses will change their policies until doing so somehow brings in more customers or increases their profits. I do think that consumers should be able to demand the right to regulate the use of their social security numbers - but it would take a collective effort by consumers to bring something like this about. |
| Having the identity stolen is simply going to destroy life in many a way. |
| I also think that somehow those businesses must be very keen in fighting identity thefts that are indeed one of the biggest issue today. But of course they are not to blame at all. I would want to share this simple yet very effective way to prevent identity theft, try to be extra careful when posting information in the net. Because by posting those will enable those thefts to use them |
| Hi there guys. I have heard lots of things about identity theft and the cases seems to be overwhelming. And some even say that you cannot avoid becoming a victim yourself. That is why I want to know if in case I become a victim of identity theft would those information of mine be used? Where could all those information be possibly used? I would want to learn more about this matter. |
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