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Are you safe against credit card identity theft?

Nov 29th 2015 at 9:43 PM

Credit card identity theft is spreading like fire; it is alarming and suggests the fact that your money is not safe. Sensitive information can be stolen as there might be some compromise with the databases. It’s unfortunate but its true and its time you pull up your socks and be alert before the frauds trick you for money. Any credit card information that you leave around can turn out to be a potential danger and the irony is that identity theft is not just limited to credit cards.

Customers who have fallen prey to identity theft have complained about unusual transactions on their credit card statements that don’t appear familiar to them. Even though at times, this can be a simple banking error, still such cases are worth paying attention to so that you are never a victim of identity theft.

What is identity theft?

In simple words, identity theft is the theft of any professional or personal information that can be put into use for identification of individuals. Using information for creating false identity can also be seen as identity fraud.

Identity theft: Few common signs

We are not just talking about those unfamiliar and unrecognized transactions that you unfortunately notice on your bank statements or credit cards. We are analyzing this beyond that and here are some of the common signs of identity thefts that you must know and be careful about.

· Receiving receipts, invoices or bills for services you haven’t availed or for goods/products/items you have never purchased.

· Even after having a good credit score, getting declined for loan or credit card.

· Finding mobile phone contracts being setup without your knowledge and in your name.

· Receiving notifications or letters for debts that you are unaware of.

How identity theft takes place?

· Diversion of posts with the help of change in address

· Computer hacking for accessing personal information

· Accessing PIN number illegally through ATM transaction or use of special machines.

If the fraudsters have been successful in cracking your sensitive personal information, they can very well access or take advantage of your credit card, bank account, driving license, passport and loans and misuse various other benefits on your name.

Protection against identity theft

There are a few smart ways in which you can make it comparatively tougher for fraudsters to access your personal information. Here are a few things you can do.

· Get hold of a copy of your personal credit file and keep a check on transactions from time to time.

· Your credit card companies or bank must have information about when and where you are moving. This should be done to stop encouraging any wrong kind of activity on your email or regarding your address.

· Personal documents should be kept safely and receipts should be disposed immediately if not required.

· Your passwords and PIN should be kept secure with only a few reliable people having knowledge about them.

Be diligent in tracking down your sensitive and personal information. Be smart and discourage identity theft at any stage you notice them. It is your duty and requirement to safeguard your credit and your reputation as a careless attitude can mess up everything.

For more information about Instant Credit Report Ontario,Identity Theft Ontario,All 3 Credit Reports Ontario and Get Your Credit Report Ontario please visit my website.

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