How to Prevent and Report Identity Theft?
In 2017, nearly half of all Americans has their Social Security numbers exposed in a data breach. That same year, around 15 million people had their credit card numbers exposed. Identity theft accounts for approximately 15% of all consumer complaints, with credit card fraud being the most common form of identity theft. With figures this high, you have to protect yourself and prevent identity theft.
Filing an identity theft report protects you because it supports your case as being someone that is innocent in the event that a criminal does something against the law with your personal information. It can also help initiate an investigation that may affect more people than just yourself.
How to check Free Credit Report and Score?
You will have a credit report if you have ever opened up a credit card or took out a loan. Your credit report will list all the credit cards and loans you have or had, as well as how much you owe on them. There is also information on this report on whether you pay those bills on time.
These are all taken into account to generate your credit score. This score is a number between 300 and 850 and will indicate the level of risk you are as a borrower. Where this comes into play is when you apply for a new loan or credit card. The prospective lender will review your credit report and look at your credit score to see if you are worth the risk.
How to Avoid and Prevent the new SSN Scam?
There is a common Social Security scam being used by criminals right now that has fooled nearly 75,000 people within the first half of 2019 alone. This scam is so effective that the government has begun issuing official warnings about how to avoid getting tricked by it.
The Social Security scam involves a phone call. You will receive a call by someone posing as a Social Security Administration official. The phone number may even be spoofed to look like it came from a Social Security office. However, what this mystery individual says to you will tip you off...