Identity theft occurs when someone takes all your part of your identity to commit a fraudulent act. This may include opening an account in your name, driving with your driver's license, using your social security number to obtain a job, using your email address in order to change a password on one of your accounts.
Identity theft is much more than just credit! For instance, someone gets a job using your information. They don't withhold enough in taxes or they use your 4-year-old’s social security number. You file your tax return and IRS says you still owe money for that job they think you or your child has. Or, someone could steal your driver's license information. They get a speeding ticket and do not show up for court. An arrest warrant goes out for you. You, then are driving along some day and are stopped for a minor offense. When the police officer runs your license, he finds out that you have an outstanding warrant for your arrest.
It is unrealistic to believe we can actually stop identity theft from occurring. You can freeze your credit so no one opens a new account, but that does not prevent them from using your driver's license, your medical information, or your email addresses.
You can be proactive and monitor all forms of your identity. You can also work with licensed investigators in the event you are compromised in order to bring your identity back to its original form. Click here to learn more!