Identity Theft and Identity Fraud

2 April 2015
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Panic! Recklessness! Fear!—some of the products that one comes across when they are being compromised on online platforms. Folks think that they are safe when they are using antivirus, however, there are programs that can sneak through the antivirus shroud and wreak havoc in your personal and financial life. So, you must in all probability stay safe and secure. So, to streamline that, let’s discuss how these scams and alerts section would help you experience worry free browsing and computer usage.

Basically, there are instances when folks don’t even know that their safety has been compromised and they are under the threat of identity theft and identity fraud. So, here is how you can figure out that whether you have been compromised or not.

How to Figure Out That Your Identity Is Compromised

The best way to deal with this problem is surveillance and evaluation. So, keep a close look on the financial accounts and dig well to find out any suspicious movements. If you sense some foul play in your annual, quarterly, half yearly statement, in that case, you must report instantly to cybercrime cell. You can call on these numbers for support, Equifax Canada Toll free: 1-800-465-7166, TransUnion Canada, Toll free: 1-877-525-3823.

Now, you must be thinking that identity theft and identity fraud sounds like the same thing, however, in reality they are pretty different. So, let’s have a quick look at what they are:

Identity Theft/Identity Fraud

When it comes to identity theft, in that case, it hovers around information hacking. So, the hacker and malicious agents take your personal information for criminal pursuits, whereas, Identity fraud is using the personal information of another person for some complicit pursuits, basically they revolve around something that is not recognized as legal and that demands prosecution.

Facts

These malicious agents are pretty fast and they are very innovative, so from resorting to unsophisticated ways like dumpster diving and mail theft, they can look forward to more innovative ways to make the virus contagious like phishing website, infected apps and captivating advertisements.

They use the skimming, phishing, hacking alternatives to take you down on the virtual platform.

Some of the information that would be sought from you when you enter in any of those infected websites, so if the websites are asking for your personal information, in that case, you must be really cautious.

Some of the information that the malicious agents may seek for identity duplicity and they may use it to fulfill their diabolical malicious pursuit.

  1. Full name
  2. Date of birth
  3. Social Insurance Numbers
  4. Full address
  5. Mother’s maiden name
  6. Username and password for online services
  7. Driver’s license number
  8. Personal identification numbers (PIN)
  9. Credit card information (numbers, expiry dates and the last three digits printed on the signature panel)
  10. Bank account numbers
  11. Signature
  12. Passport number

How these malicious agents can use these records and information?

  1. They can get access to your bank accounts through the information.
  2. Even when you reveal your identity, in that case, they can use the information to open false bank accounts.
  3. Fund transfer can be facilitated once they have access to vital information that is sought for the purpose.
  4. Even they can use your information to obtain passports and use them for malicious pursuits.

How to deal with it?

  1. The first and foremost thing that you must do is to file a complaint in the nearby police station.
  2. The next step would be to contact your bank and Credit Card Company and ask them to freeze your credit card.
  3. You can also call to the Canadian Cybercrime cell, the numbers are mentioned in the beginning of the piece.
  4. You can also go to anti-fraud center and seek their support to deal with the problem.

How to Prevent Identity Theft from Becoming a Reality in Your Life?
Whenever you are making an online transaction, always make sure that when padlock and green HTTP:// appears in address bar then only you are doing the transaction. If you are doing that then you are in a safe encrypted IP protocol and you can shop in the best way. You must always make sure that your billing cycle are properly ascertained and you thoroughly go through them every time post their generation.

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