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Identity Theft Risks

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Making Unsecured Internet Credit Card Purchases

Treasure ChestWow! You just saw something that you have been shopping for and you can’t believe you finally found it! You’ve been looking for weeks for this item, so excitedly you get out your credit card, fill in the billing and shipping information, enter your credit card information, and click on place order! But you didn’t realize that the order you just placed was on an unsecured website. The potential for your credit card information to be compromised has increased a hundred fold because of the security risk.

Whenever you decide to purchase something over the internet using your credit card, always make sure it is a secure site. In almost every case, at secure-payments[1]the checkout screen you will see the secure credentials (e.g. VeriSign, verification by credit card companies, etc.) If you don’t see this, chances are this site is unsecured and you’re taking a big risk if you provide your credit card information. It could also be a scam site in that they take your credit card information and then charge your credit card a monthly fee (read the fine print!) and then it’s almost impossible to cancel the monthly charge without contacting your credit card company to stop the payment!

Also, when you’re at the checkout, look closely at the total cost to make sure extra charges were not slipped in without your knowledge. Just because a site has a “five star” rating, doesn’t necessarily mean they are a company that operates ethically and with integrity. Some companies actually pay customers to give them favorable reviews! There are many websites that have fake reviews sometimes even posted by the website itself! Also,facebook-twitter_logos_icons look for social media sites like Facebook and Twitter that will provide a stronger, direct relationship to people’s opinions. Check the source. Does it link to the reviewer’s profile and previous reviews, or a social media page that shows the reviewer is real?

Phishing For Information

Identity thieves use another method to steal your identity through Phishing. These attacks come in a plethora of forms. You could receivhp-a-phishing-attacke a phone call from someone who claims they were transferred to your extension in error and all they need is the correct extension for another employee. If you give them the phone number to the individual in question, now they have two names and numbers; yours and the person’s information you just provided! With this information the identity thief can now go to work.

Another popular method of phishing is through email. You may receive an email which appears to be from a reliable source such as your bank, credit card company, cable provider, and even the US Government. There usually is an official statement indicating that you either received a credit to your account or there’s been a security issue that requires your immediate attention and all you have to do is to click on the link to view the problem and resolve it. When you click on the link, it will take you to an official looking website where you will be prompted to enter your credit card number, social security number, date of birth, phone number, and so on. After you have provided all this information, usually you will receive a message thanking you and informing you that the issue has been resolved and you do not need to do anything further. Your identity has just been stolen!

Identity Risks Associated With Your Lifestyle

Yes your lifestyle. You’re becoming more successful in your profession and live in the big city. Living in big cities does increase the potential for identity theft. With all the hustle and bustle that comes from big city living it’s easy to have your credit card stolen, your credit card receipt at a restaurant stolen, and with most purchases in big city living being conducted digitally, it’s no wonder individual’s identities are stolen all the time. According to one source, the top US cities for identity theft are Washington, D.C., New York City, and Miami. Worldwide the top city for identity theft is London!

Okay, so I’ll move to the suburbs. Identity theft is very high in the suburbs as well. The expression “dumpster diving” has taken on a whole new meaning in the suburbs. Identity thieves will sift through recycle bins just to find documents with Social Security information, phone numbers and other personal information.

So with all these potential identity theft risks what can you do? With LifeLock© your identity is locked down and protected. This includes your personal information as well as your credit card and bank accounts. Just click on the LifeLock© image below to sign up for your subscription and you’ll never have to be concerned about your identity whether you live in the big city or the suburbs.

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  • select identity theft protection September 7, 2013 at 10:41 pm

    Everything is very open with a clear description of
    the challenges. It was really informative. Your website is very useful.
    Thank you for sharing!

    Reply edit
  • Yuki September 17, 2013 at 3:32 am

    You can dispute the chgares with the credit card company, close the account and hope they will remove the chgares. This isn’t always so easy though because what would stop me from going to Best Buy, buying a $1,000 TV and then go to my bank and say my card was stolen and didn’t charge the TV. So in essence I would be getting the TV for free. That is a reason a bank would be reluctant to do anything.People steal your identity by finding out your name, birthday and social security number. They take that information and get credit cards, loans and other things in your name. The protection is up to you. You have to make sure to protect your credit cards, your birthday and social security number from people that doesn’t know you. Its not up to anyone else to protect you.

    Reply edit

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