New Construction Homes for Sale in Burnt Hills NY. Stewart Construction-Custom Home Builder in Burnt Hills NY. What types of identity theft are not covered by monitoring services?

New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.       What types of identity theft are not covered by monitoring services?

New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.       What types of identity theft are not covered by monitoring services?

Generally, credit monitoring services cannot protect against the five kinds of fraud which we will describe below. Some more comprehensive services may be able to provide limited protection against these other types of fraud. Generally, services that claim to provide more comprehensive protection monitor online chat rooms, blogs, and news sources to look for evidence of criminal activity. However, there is no assurance that a particular fraudulent activity will become the subject of an online discussion. The ability of such enhanced services to protect you from fraud is as yet unproven. Clearly there is a tremendous amount of fraudulent activity that does not get discussed online.

In our opinion, most identity theft monitoring services are unable to provide anything close to complete protection for the following kinds of unlawful activity:

New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.       What types of identity theft are not covered by monitoring services?

Existing account fraud. Existing account fraud occurs when an imposter uses your current accounts (ones that you already know about) to commit fraud. For example, an imposter could use your credit card account number to make a purchase from an online vendor, or your bank account number to make a withdrawal. This is also referred to as "account takeover" fraud. You generally learn of such fraud by carefully reviewing your monthly account statements.

Debit or check card fraud. Debit or check card fraud occurs when an imposter uses your debit card or check card (or a "cloned" card or the information from your card) to remove money from your bank account. The imposter does not need to know your PIN because he or she will be able to use the card for an "off-line transaction." For more information, read www.privacyrights.org/fs/fs32-paperplastic.htm .

Social Security number fraud. This form of fraud occurs when an imposter uses your SSN to obtain employment, for tax reporting purposes, or for other illegal transactions. For example, an undocumented worker might use your Social Security number to obtain employment. Or an imposter might use your SSN to avoid paying taxes on their income. www.privacyrights.org/fs/fs10-ssn.htm

Criminal identity theft. Criminal identity theft occurs when an imposter gives another person's name and personal information (or counterfeit documents) to a law enforcement officer during an arrest. Frequently, the imposter fraudulently obtained a driver's license in the victim's name and provides that identification document to law enforcement. Or the imposter, without showing any photo identification, uses the name of a friend or relative.

In many cases, the imposter is cited for a traffic violation or for a misdemeanor violation and is immediately released from the arrest. If the imposter then does not appear in court at the appointed date, a warrant of arrest will be issued under the victim's name. If at a later date the victim is stopped for, say, a traffic violation, he or she may be arrested because of the outstanding bench warrant.

In other cases the imposter is arrested, booked, and convicted of a felony. The victim's information is then recorded in criminal records files compiled by local law enforcement, the state Department of Justice, and/or the FBI. For further information, see the PRC's guide on criminal identity theft. www.privacyrights.org/fs/fs17g-CrimIdTheft.htm

Medical identity theft. Identity theft involving one's health information occurs when an imposter uses an individual's name and/or other information (often insurance information) to obtain or make false claims for medical goods or services. Medical identity theft may result in erroneous entries being entered into an existing medical record, or the creation of fictitious medical records in the victim's name.

New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.       What types of identity theft are not covered by monitoring services?

This potentially can have fatal consequences for the victim. For example, in an emergency room setting, the victim may be unconscious at the time of treatment. If the victim's medical record reflects the imposter's blood type, allergies, medications, or other medical conditions, health care providers may make dangerous errors. Read more about medical identity theft at www.worldprivacyforum.org