Identity theft is one of the most common financial crimes in the United States and affects millions of people every year, especially immigrants and workers who share personal information for procedures, jobs or services. Know what is identity theft and how to avoid it is key to protecting your money, your credit and your peace of mind.
What is identity theft?
He identity theft occurs when a person obtains and uses your personal information without your authorization to commit frauds. This may include your full name, Social Security Number (SSN), ITINbank details, passwords or registration information credit cards. With this data, criminals can open accounts, apply for loanssubmit false taxes or make purchases in your name, often without you noticing. Sometimes victims realize when it is too late.
Most common types of identity theft
There are several ways in which this crime can manifest itself. Financial identity theft is the most frequent and involves the use of your data to access bank accounts or cards. Tax identity theft occurs when someone file a tax return using your information. There is also employment identity theft, when your data is used to get a job, and medical identity theft, which involves the use of your health insurance.
Warning signs that you should not ignore
Detect identity theft early can reduce damage. Some common signs include unknown charges on your accounts, calls from collection agencies for debts you don’t recognize, denials of credit for no apparent reason, or notifications from the IRS about returns you didn’t file. It is also a warning to receive emails or letters from banks where you have never had accounts.
How does identity theft happen?
identity theft can happen both online and offline. The most common methods include fake emails that imitate banks or official agencies, fraudulent phone calls, unsafe websites, theft of physical documents, and company data breaches. The use of networks Unprotected public Wi-Fi It also increases the risk.
How to avoid identity theft?
Prevent identity theft It is possible if basic security measures are taken. Never share personal information over the phone, email, or messages without verifying the source. Use strong passwords and different for each account, and activate them with two-step verification when possible.
Regularly review your bank statements and credit reports for suspicious transactions. Destroy documents with personal information before throwing them away and avoid carrying sensitive papers with you that are not necessary. Also, make sure the websites where you enter data start with “https.”
What to do if you are a victim of identity theft?
If you confirm that your identity was stolen, act immediately. Contact your bank or financial institution to block accounts and cards. Change all your passwords and place a fraud alert on your credit report. It is also important to file a report with the Federal Trade Commission (FTC) and, in some cases, make a police report.
Why is it important to protect your identity in the United States?
Identity theft can affect your credit history for years and make it difficult to access loans, housing or employment. For immigrants, the impact can be even greater if tax or employment information is compromised. That’s why, stay informed and adopt safety habits It is essential.
Know what identity theft is and how avoiding it allows you to reduce risks and protect your financial future in the United States. Prevention and constant surveillance are the best tools against this crime.
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