Identity Theft

Paper Summary:

This paper explains that what makes identity theft such a concern for the public is not simply the number of people it happens to but the fact that it can occur without the victim's knowledge. The author points out that the primary difference between identity theft perpetrated over the internet and identity theft perpetrated in other ways is the speed by which personal information can be obtained and the distance it can travel. The paper relates that the essential preventative steps are fairly simple and require very little effort, but most people still fail to adhere to all of them; (1) Review your credit reports at least every six months, (2) shred all of your personal papers, receipts, old utility bills and pre-approved credit card offers before you toss them in the trash, (3) keep your social security card and birth certificate in a safe place other than your wallet or purse and (4) have your name removed from mailing lists for pre-approved credit card offers.

Table of Contents
Introduction
Identity Theft on the Internet
Identity Theft: Managing the Risk Management
What's New for the Future of Identity Theft Prevention

From the Paper:

"Insurance companies have an obligation to provide you with the greatest protection imaginable from identity theft. "Insurance agents should warn affluent customers of their heightened risk. . . . Public figures should also be concerned about this risk because much of their private information may be publicly circulated." (McElwee 76). Children-particularly those of college age-can present an additional risk of identity theft. College students regularly receive credit card applications and often simply throw them out, posing a threat to both themselves and their parents. Households should invest in paper shredders, and shred all unwanted mail and documents that could potentially contain personal information."

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