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Preventing Identity Theft

559 Words3 Pages

When buying a house, a car, or taking out any kind of loan the bank needs our personally identifiable information to prove that we are who we say we are. If banks never did this anyone could open up a loan in our names and we would be the ones responsible for that loan that was taken out even though we were never the ones who took it out. Every year, millions of Americans lose access to personal accounts and lose assets when they have their identities stolen in what the federal government has called one of the nation’s-fastest growing crimes (Klenowski, 2015). That crime is identity theft and that is what this research paper is going to be about. This paper will discuss the types of identity theft, the techniques of identity theft, the effects …show more content…

Identity theft is a serious problem and can affect your life in a big way. When someone steals another person’s social security number and uses it to open a new line of credit it affects their credit score, when this happens it can tarnish their credit score which in turn can cause problems if they were to apply a loan for a new car or apply for a mortgage on a new house. This type of identity theft is called true name, or cloning. For this type of identity theft offenders mainly try to steal social security numbers so they can open a new line of credit in the victims’ name. Once the offenders have the victims’ social security they can begin to literally take that victims’ full identity(Klenowski, 2015).
Thieves that take over existing accounts get their information in various ways. Some of those way are by eaves dropping on conversations, looking over a victims shoulder as

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Bill Nelson once said, “If we don’t act now to safeguard our privacy, we could all become victims of identity theft.” With the increasing amount of data that our mobile phones and tablets contain, encryption and security is becoming more vital everyday. Damon Beres, author of “What You Need To Know About Apple vs. The FBI” argues both sides as the war on privacy rights and national security continues. Although Beres uses a large amount of pathos throughout his article, he doesn’t use ethos and logos as much. When Beres does use logos and ethos though, he clearly states examples.

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Essentially, anyone can accumulate knowledge regarding “...everything from where your [dead] great-grandfather was born to what diseases you might be at risk for because of your DNA” (Naylor 12). Mark Twain’s novel, The Adventures of Huckleberry Finn, shares an aspect of identity theft similar to the fraud the article discusses. As Huckleberry and Jim drift down the Mississippi River, the days are full of peace and harmony. One day, Huckleberry walks ashore to gather some berries when two men suddenly come into view. At the moment, a mob seems to be pursuing the pair of men.

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First, your social security number isn't magic, but if you know how, when, an where to use another person`s number, you`ll be able to take their identity, and single handedly destroy someone`s life. Private detective Randy Barnhart tells how simple it can be to obtain a line of credit in someone else's name, if you know how to do it. If someone has access to your social security number, all they need to do is write a single page credit application using the SSN that they`d stolen and hand it to a cashier that`s at least 18 years of age. The cashier puts the SSN into the system and a line of credit is issued.

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Medical identity theft happens when someone uses any or all of your personal information, such as your name, social security number, or even insurance number, without your knowledge to obtain medical treatment, equipment, or services. Medical identity theft can be committed by anyone. There are numerous steps you can take to avoid this problem. Make sure your computer is logged out, or that the screen is locked when you step away from your computer. That way any information that is pulled up will no longer be able to be seen on the screen.

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Having your identity stolen can be a scary situation. If people have any access to your information, they can do crazy things like take out money from your account. People can hack into your phone when you are in a fast food restaurant using the places wi-fi. If you have easy passwords like “ABC123” you're vulnerable to get hacked and have your identity taken from you. In Florida you can get a 2nd

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Every documented person in America is given a nine-digit number that is connected to multiple personal records. This includes, but is not limited to, bank accounts, credit cards, employment records, etc. Your Social Security number may be a material thing, but it protects your physical identity and should be kept

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It’s important for current & future customers/clients to know exactly what they’re getting into anytime they’re looking to do business. In a 2017 article provided by Rebecca Lake titled 23 Frightening Credit Card Statistics, she points out a list of these statistics which will discuss credit & debit card fraud, & identity theft: • 46% of Americans fell victim to credit card fraud at some point within the last 5 years. • Only 21% experience debit card fraud. • 47% of these matters occur right here in the U.S (a report from Barclays). • Almost 60% of data braches had something to do with identity theft.

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But for the Internet to grow and thrive, users must continue to trust that their personal information will be secure and their privacy protected. Internet privacy concerns are warranted. According to a July 2015 survey of Internet-using households,[3] 19 percent of such households (representing nearly 19 million households) reported that they had been affected by an online security breach, identity theft, or similar malicious activity during the 12 months prior to the survey. Security breaches appear to be more common among the most intensive Internet-using households—31 percent of those using at least five different types of online devices suffered such breaches. Security breach

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With that information hacker can open a new account or can issue a new card with the same information (Sayles, 2012). The result of the data breaches is a type of identity theft, where personal information like credit or debit card numbers and social security numbers or

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“Once you’ve lost your privacy, you realize you’ve lost an extremely valuable thing” - Billy Graham. “Invasion of privacy is a legal term. It is used to describe a circumstance where an individual or organization knowingly intrudes upon a person. The intrusion occurs when the person has a reasonable expectation of privacy, such as in a bathroom or locker room”(Winston). There are many factors that help with the loss of privacy these days.

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