With the increase in the number of people using their credit cards and debit cards to complete online purchases, the number of cases of online identity theft has also seen a remarkable rise. In fact, according to the FTC, if you are between 18 – 29 years old and live in Los Angeles or Phoenix, your chances of identity theft are higher than the national average. By using the stolen data, they complete online ordering of goods of their choice. That is why it has become extremely important for people who regularly order products online to check their monthly statement very carefully. If you are one of the millions using your credit or debit card to make purchases and also to make bill payments, be sure to take the time to glance over your monthly statements carefully for unauthorized deductions.
Although consumers need to be vigilant about keeping their information private on Facebook and other online social media sites, it also interesting to know that 68% of identity theft still happens by old-fashioned methods like someone going through your mail, or a purse being lost or stolen out your car. In fact, I’ve noticed that at the 24 Hour Fitness locations in our area, there are new, very visible signs warning people to hide their purses out of sight, as there has been an increase in break-ins.
If you review your monthly credit card statement and find that you are the victim of identity theft, take a deep breath and get ready to take action. It is advisable to keep a list of all the credit and debit cards in your wallet. Begin by calling all banks, credit cards, gas cards and department stores to alert them and cancel your cards. Talk to your bank to stop payment on any recent check transactions. Report stolen debit and ATM cards and close bank accounts that may have been accessed. Transfer these savings and checking accounts into ones with new numbers.
Be sure to take time to change passwords you have set up online. If a thief has your personal information, they may be able to guess your passwords and get in to more critical information. Once you have finished calling all the credit bureaus, than call the local police where the identity theft took place. Furthermore, over the next month, keep track to make sure that you are receiving all your normal monthly bills and bank statements. If you are suddenly missing something it could be because the thief has redirected the mail to another address.
You might find this process frustrating and time consuming but don’t give up. The longer you wait to contact banks and card companies, the more liability you incur for any theft or fraudulent activity. While you are going through the process, take copious notes and keep all documentation in case authorities need more information at any time.
If you have been caught for criminal theft activity and need to take a class to fulfill a court mandate, try www.theftclassonline.com. These are high quality online classes, designed by a practicing licensed therapist. They are extremely convenient and are available from any Internet based computer 24/7. They will make you think about the actions you have taken and give you direction on how to stop your criminal behavior and change your life in a positive way.
