Christian Identity Theft Recovery
Over the years the need for Christian identity theft recovery has become increasingly important. Once a person's important information has been stolen such as credit card information, social security number and so on, the process for recovery is often lengthy and tedious. The best modes of prevention is for people to be extra cautious any time vital information is required to be shared and to be extra cautious of would be thieves that are out to take advantage of those who are unaware. In a day an age where technology runs rampant it stands to reason that great amounts of information are transported and stored electronically. Despite all the benefits and advantages that technology affords, unfortunately ways for unsavory individuals to abscond with vital data has become easier as well. By following a few simply tips, people can do what they can in order to protect themselves from fraud wrought by would be thieves.
The process of identity theft recovery can be a very difficult one. A victim of fraud is required to prove that they have indeed been victimized but the ability to offer valid proof might be harder than one thinks. The reason for why the process is a difficult is by rules and laws that have been set in place in order to protect creditors against people who are simply avoiding payment. In some cases a creditor might have to be shown police reports or more in order to have sufficient proof.
There are several forms of identity theft, some more common than others. One of the most common ways is for thieves to look over the shoulders of unsuspecting individuals in public places or by watching a person input banking numbers into money machines, or even listening in on telephone calls. Thieves also commonly look through garbage for bank receipts and other documents. Companies need to be extra careful to protect the personal information of clients, and offices and even individuals who work from home should invest in quality paper shredders in order to destroy important documents before discarding. By following a few simply tops and procedures people can do what they can in order to avoid the need for identity theft recovery. Of course thievery can occur in any form and complete prevention is nearly impossible. Due to the chance of the unpredictable there are agencies which specialize in assisting those who suffer from the adverse effects of deceitful doppelgangers.
There are several courses of action people can and should take in order to prevent ever requiring the services of identity theft recovery. One of the best habits people should form is to shred all documents once they are no longer needed. Documents such as bank statements, receipts, any papers that could contain personal information or important account numbers should be destroyed before discarded. Offices and individuals should invest in paper shredders. Several quality paper shredders are relatively inexpensive and are an essential component to the protection of personal information. Thieves are notorious for sifting through garbage in order to find any tidbits they can that can be used, but the chances of sufficient information is much lower if papers have been shredded into small pieces that are impossible to put together again.
Another way that people can protect themselves is when shopping online to only purchase items through secure web sites. Credible Internet businesses will have some indicator of security measures that have been set in place in order to protect consumers from the possible need for identity theft recovery. A good method for secure buying is to look at the web address bar that appears at the top of a web page. Usually if a page is secure there will be an icon that resembles a lock. People should also be cautious when using wireless Internet or on a connection that is insecure. Wireless networks are convenient, but they also allow for easy theft of personal information as a neighbor next door or down the street can easily hack into an unsecured network and steal information.
Caution should be exercised even when a person is on the telephone. Those who work in identity theft recovery caution people to be constantly aware of possible scams that could take place over the phone. Private information should never be giving to solicitors as more often than not thieves will pretend to be calling on the behalf of a company or charity that does not even exist, all in the effort of gathering unsuspecting individual's information. Those who spend a lot of time on their computers should be certain to maintain a high level of ant-virus and spy-ware programs and run routine security checks. Viruses and other malicious content can infiltrate personal computers through web sites and general Internet surfing. If left undetected the potential viruses have the ability to steal or corrupt important information and data.
One method that is essential in order to avoid the need for identity theft recovery is for people to be careful with documents that might bear information such as social security numbers that can appear in driver's licenses, passports and so on. Caution should also be taken with mail. People who desire to protect their identification should be certain to not leave mail in the box for too long in case a thief decides to do some snooping, despite the fact that tampering with mail is considered a federal offense punishable by law. People who find themselves dealing with the frustrations that result from identity fraud should be certain to be aware of their rights. Every person has a right to privacy, and the ability to protect that privacy should be granted to every individual, "The secret things belong unto the LORD our God" Deuteronomy 29:29). Those who have to go through the process of identity theft recovery should prepare themselves for a long road, and in the future, do what they can to protect themselves.
Christian Identity Theft RestorationMost people don't think about identity theft restoration until they have been victimized. In an instant, an individual's life is changed. Someone has stolen an importation piece of personal information and is opening accounts or spending money that rightfully belongs to the victim. Stolen identification leaves individuals feeling angry, confused and often vulnerable. Many times, they don't discover the fraud until months after it occurred. By then, a lot of damage has already been done and much more could occur. A person's credit can be destroyed for years. But the road to identity theft restoration is not out of reach. It can be accomplished with some time, persistence, and a little knowledge.
Believe or not, ID theft began long before the 1990s when it became one of the most rapidly growing crimes in the United States. The Bible tells the story of two brothers - each competing for a single birthright, a blessing passed on from a dying father to the eldest son. When Isaac knew his death was near, he sent his eldest son Esau to hunt for venison. The youngest son, Jacob knew his father's sight was failing and seized this opportunity to claim the birthright, which belonged to Esau. He stole his brother's clothing, used the skins of goats to match Esau's hairy arms, and brought some venison to Isaac. Thinking Jacob was Esau, Isaac blessed him, giving his young son rule over the servants and providing him with plenty of corn and wine. When Esau returned, he discovered the fraud. Unfortunately, identity theft restoration was not possible in Esau's time. Since the blessing had already been given, Isaac had little left to give his eldest son. "Thy brother came with subtilty, and hath taken away thy blessing... Behold, I have made him thy lord, and all his brethren have I given to him for servants; and with corn and wine have I sustained him: and what shall I do now unto thee, my son?" (Genesis 27:35, 37) Identity theft often occurs the same way: with subtilty, taking away what has taken years to earn. But unlike Esau, victims have help today. The law can help them restore what has been stolen.
The key to identity theft restoration is acting fast. The faster fraud is discovered and stopped, the less damage is done. Victims cannot afford to take time accepting what has happened. They must act immediately. Get proof that the fraud has occurred. Individuals can request a free copy of their credit reports from each of the main three credit bureaus (Experian, TransUnion, and Equifax) once every twelve months. Once fraud has been determined, file a report with the local police department. If the fraud occurred out of the local area, also file a report with the district where the crime occurred. If local precincts are no help, contact the state headquarters. File discrepancy reports for each suspicious item on the credit report and alert lenders or creditors that have been affected of the fraud. Send a fraud alert notification to the three credit bureaus (when one has been alerted, it is obligated to report to the other two), the postal service, Social Security Administration and the Federal Trade Commission (FTC). Initial fraud alerts will expire after 90 days with the credit bureaus, but if fraud has been confirmed, individuals can file for an extended alert that will remain on record for seven years. Close all accounts and reopen new ones with secured passwords. Monitor all account activity carefully to catch additional fraud.
Identity theft restoration takes time. Follow up in a lengthy process: mailing documents back and forth, waiting for return phone calls, getting paperwork in order. Recovery can take months or even years to rectify. If a person's credit rating has been damaged, it will increase interest rates on any new loans and often increase a person's insurance liability until the problem is solved. If legal counsel is needed, the cost is even higher. Long-term implications extends far beyond a person's finances. Emotional stress of the crime itself can be overwhelming, but cleaning up the mess can be even worse. The burden of proof falls on the victim. He or she must not only prove innocence once but many times over to the government, credit bureaus, lenders and creditors, and anyone else who needs to know.
There is no shortage of identity theft restoration services on the web. These organizations different from identity theft protection services, which only monitor accounts to warn about suspicious activity, and ID insurance services, which will cover some costs if a theft occurs. A few organizations do offer full restoration services with monitoring and insurance, but most are completely separate. Compensation is usually a flat fee and includes services such as counseling and legal expertise, monitoring credit report disputes, dealing with lenders and creditors. Many large insurance carriers, banks and credit unions are offering identity theft restoration services today. Some large employers will even offer it as a benefit for employees. Restoration services will not cover fraud caused by the individual or fraud that the individual knew about.
Although recovery is not easy, Christian identity theft restoration is possible and life will eventually return to normal. Financial advisors suggest keeping a close eye on credit reports, especially after a person's identification has been compromised. The best advice is not to open any doors that will allow the theft to occur at all. But no protection service is full proof, and even with the best practices, sometimes fraud still happens. Only under extreme circumstances does the Social Security Administration assign an individual with a new number. Even if they did, credit under the two numbers would be combined and credit scores would not change. Laws have come a long way in the past ten years to protect consumers and help them restore their lives.