Identity Theft What You Can Do To Prevent It

By
Mortgage and Lending with George Souto NMLS #65149 FHA, CHFA, VA Mortgages NMLS #65149

Identity Theft What You Can Do To Prevent It.  Identity theft continues to be a major problem, so we need to always be on the lookout for it, and know what steps to take to prevent it. 

Some of the more common ways that Identity Theft happens is:

  • Dumpster Diving - Thieves rummage through dumpsters for personal.
  • Skimming - The thief steals your credit card numbers with special electronic devices
  • Phishing - Thieves pretend to be company or government agency to see if they can get you to give them your personal information on the phone or by e-mail.
  • Hacking - Thieves hack into your computer, or e-mail and steel your personal information and/or passwords.
  • Just Plain Stealing - The old fashion way by stealing your wallet or mail.

So What Can You So To Prevent Indenting Theft:

  • Shred all you documents instead of throwing them in the trash.
  • Don't carry your social security card on you.
  • Don't give your personal information over the phone, mail, or Internet unless you are absolutely sure of who you are giving it to.
  • Never click on a link or open an e-mail unless you are sure who they are from, or what the link links to.
  • Don't use obvious passwords.
  • Keep all your personal information in a safe place.
  • Check your credit report regularly for suspicious activity.
  • Be on the alert for other suspicious activity such as:
    • Bills that don't show up on time.
    • Your credit all the sudden is being denied.
    • Bills for purchases that you did not make.

When you suspect that your Identity might have been stolen:

  • Report it to the police immediately.
  • Call the security department for each account you have, and tell them that you suspect fraudulent activity on your accounts.
  • Contact the three major Credit Bureaus:
    • Equifax
    • Experian
    • TransUnion

and place a Fraud Alert on your Credit Report.

These are just a few of the steps that you can take to identify, and prevent Identity Theft.  But I am sure that you have already thought of other things you can do to prevent Identity Theft while reading this blog.


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 Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

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 Info about the author:

George Souto NMLS# 65149 is a Loan Originator who can assist you with all your #FHA, #CHFA, and #Conventional #mortgage needs in Connecticut. George resides in Middlesex County which includes #Middletown, #Old Saybrook, #Middlefield, #Durham, #Cromwell, #Portland, #Higganum, #Haddam, #East Haddam, #Moodus, #Chester, #Deep River, and #Essex. George can be contacted at (860) 573-1308 or souto@snet.net

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  1. Joni Bailey 11/04/2012 12:29 PM
Topic:
ActiveRain Community
Location:
Connecticut
Groups:
Connecticut Club
Tags:
identity theft

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Rainmaker
2,636,080
Debbie Gartner
The Flooring Girl - White Plains, NY
The Flooring Girl & Blog Stylist -Dynamo Marketers

Some great watchouts, George.  It's really scary what people do and try to do.  It makes me really sad.  We all need to be more careful.

Nov 03, 2012 09:20 PM #7
Rainmaker
1,767,713
Ginny Gorman
RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate - North Kingstown, RI
Homes for Sale in North Kingstown RI and beyond

Great post George,  from my corporate days and having to deal with security theft with these & newer devices I stay away from all the devices because you can't always tell especially at a gas station...if you talk to people who have had their identities stolen, it is a horrendous & costly task to fix.

Nov 03, 2012 09:30 PM #8
Rainmaker
316,529
Frank Laisch
Orlando, FL
"The Insurance Guy"

George, Identity theft is running rampid. I have more and more clients blocking their credit so people can not try to open credit accounts

Nov 03, 2012 10:57 PM #9
Ambassador
3,684,462
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Joe they always seem to find a way, so we need to stay on top of what they are doing.

Ki you are right, that is one of the draw backs to all the technology that we have.

Lenn that one really makes me nervous, and I never click on a link unless I Know the source and even then I check it out many times.

Andrea, that is a good practice. and like I said to Lenn, that is the one that really scares me.

Silvia, if there is a way to steel it, the crooks seem to find it, so we have to be more and more careful.

Myrl, thank you.

Debbie, there is always someone that seems to think that it is their right to steel from others.

Ginny I know of someone who had his identity stolen and it was a nightmare until he got it straightened out.

Frank I have also started to see some of my clients do that.

Nov 03, 2012 11:34 PM #10
Rainmaker
1,357,977
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

George, good information. It seems to be getting easier for thief's to get the information. We have to be more diligent.

Nov 03, 2012 11:45 PM #11
Ambassador
1,612,668
Harry F. D'Elia
Real Estate and Beyond, LLC - Phoenix, AZ
Investor , Mentor, GRI, Radio, CIPS, REOs, ABR

We have to be so careful these days with our own personal information. We have people stealin our identities at restaurants. Come on people

Nov 03, 2012 11:46 PM #12
Rainmaker
2,392,039
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

There are programs that monitor your computer and come and go through email communications without anyone being the wiser for knowing..I don't want to alarm anyone, but I have seen this first hand and the invaded party did not know for 2 years....whoa   good post and thank you

Nov 03, 2012 11:48 PM #13
Rainmaker
3,956,295
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

George, GREAT INFO to keep us from experiencing identify theft.    I have a client that had happen a few years ago, and took him a year to get this straightened out!   What a nightmare!

Nov 04, 2012 12:01 AM #14
Rainmaker
645,692
Kathy Stoltman
Rockwood Realty - Ventura, CA
Ventura County Real Estate Consultant 805-746-1793

Very good advice for all of us.  I just had my major credit card compromised, luckily my CC company caught the fraudulent attempt, called me and canceled this card and reissued me a new one.  Can never be too careful.

Nov 04, 2012 01:36 AM #15
Ambassador
3,684,462
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Michael technology has made it easier for them, so we need to be more alert and watch out for it.

Harry, they don't care who they steel from or how they do it.  Morality is out the window.

Richie, I know you don't want to be an alarmist, but your words are very true.

Joan it is not easy to correct the mess that these identity thieves take seconds to do.

Kathy you were very lucky.

Nov 04, 2012 02:12 AM #16
Rainmaker
1,301,716
Nick T Pappas
Assoc. Broker/Broker ABR, CRS, SFR, e-Pro, @Homes Realty Group, @HomesBirmingham & Providence Property Mgmnt, LLC Hun... - Huntsville, AL
Madison & Huntsville Alabama Real Estate Resource

George, I do shred everything that goes into the trash...also am considering a wallet that protects against someone stealing credit card info electronicaliy. I've encoutered a few phishing scams lately via emails and one of the things I do before deciding to click on a link is hover over it to see what shows up.  Great info!!

Nov 04, 2012 02:30 AM #17
Rainer
153,178
Dori Kay
REALTY ONE GROUP SOUTHWEST - Temecula, CA
TEMECULA, CA Realtor®

Great information George.  I'm going to share with my family, friends and clients.  I think your information will serve my foreign national relocation clients well.  Thank you for sharing!

Nov 04, 2012 04:10 AM #18
Rainmaker
777,952
Mel Ahrens, MBA, Kelly Right Real Estate
Kelly Right Real Estate - Hood River, OR
Customized Choices for your Real Estate Needs

Some of these tips seem pretty obvious, but it's amazing how many people don't think about them. Thanks for the great tips on avoiding identity theft.

Gretchen

Nov 04, 2012 04:16 AM #19
Rainmaker
1,778,148
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

George,

 

All of these points are essential to protect from identity theft.  People don't realize that they need to take steps and constantly monitor.

Nov 04, 2012 06:28 AM #20
Rainmaker
1,267,143
Al & Peggy Cunningham, Brokers
RE/MAX West Realty Inc., Brokerage - Brampton, ON
Our Family Wants To Help Your Family!

Excellent advice George. Was going to suggest it but see you already have the well deserved star. We are sure this time of year identity theft increases so your blog was timely. Read a good book on this by Brad Meltzer, can't remember the title right now but at 2 am when I do, I'll make sure I send it to you LOL!

Nov 04, 2012 08:49 AM #21
Rainmaker
544,156
Eric Michael
Remerica Integrity, Realtors®, Northville, MI - Livonia, MI
Metro Detroit Real Estate Professional 734.564.1519

George, great blog and a comprehensive list of things to watch out for. What I tell people to do is to get their free credit report (from annualcreditreport.com) from one of the 3 credit agencies every 4 months, that way they can see if somethings going on instead of waiting a full year to pull it again.

Nov 04, 2012 09:19 AM #22
Rainmaker
585,106
Tanya Van Blake-Coleman
Van Blake-Coleman Realty, St. Thomas/www.talk-to-Tanya.com - St Thomas, VI
Improving the Quality of Your Life

Great and important tips. I have been blessed to not have experienced this but I know people who have been through it and it is devastating. It is a good deed you are doing by helping others avoid this problem.

Nov 04, 2012 10:20 AM #23
Ambassador
1,240,901
Joni Bailey
101 Main St. Realty - Huntsville, TX
Your Huntsville / Lake Livingston Area REALTOR®

CONGRATULATIONS! Thank your for caring about us enough to try to help us to protect our identity.  ♥

Nov 04, 2012 10:58 AM #24
Ambassador
3,684,462
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Nick What do they call those wallets?

Dori, you are welcome

Gretchen, you right a lot of this is obvious, but it is the obvious stuff that we tend to over look.

Grant, yes we do tend to take much of this for granted.

Al and Peggy I tend to remember things at about that time also ........... LOL

Eric that is great advice to give.

Van I also have been very fortunate, and hope I will never experience identity theft.

Joni you are very welcome :)

Nov 05, 2012 08:46 AM #25
Rainmaker
1,459,030
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • Green • GRI • HAFA • PSC Calabasas CA

Please be advised as about a scam to obtain your personal information, particularly your SS#. You might receive  a call from a "litigation specialist" representing a company named STARK RECOVERY. This person might tell that they have your Social Security # and just wants to "confirm" that their information is correct because it involves a "very serious legal matter". When asked what the call was in reference to, this litigation specialist refuses to give any information and INSISTS that you "confirm" that her SS# was correct.
STARK RECOVERY company steals social security # and other personal information.
So PLEASE BE SAFE AND AWARE.

Aug 28, 2015 07:47 AM #26
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