Identity Theft

Identity Theft by State

Take a look at the identity theft by state stats. These state identity stats are from 2016 but give you a good ideal of the stats that have the biggest problems with it. Regardless you should protect yourself signing up for an inexpensive Identity Shield plan here.

Top 10 States with Highest Per Capita Rates of Identity Theft*:
1. Michigan 175.6 06. Connecticut 137.9
2. Florida 166.8 07. Maryland 137.1
3. Delaware 155.9 08. Missouri 136.1
4. California 139.5 09. Nevada 135.8
5. Illinois 138.0 10. Arizona 126.2
*Complaints per 100,000 population

Metropolitan areas with highest per capita rates of identity theft:
1. Ann Arbor, Mich. 06. Tallahassee, Fla
2. Miami-Ft. Lauderdale, Fla. 07. San Francisco, Calif.
3. Detroit, Mich. 08. Orlando, Fla.
4. St. Louis, Mo. 09. Niles-Benton Harbor, Mich.
5. Naples, Fla. 10. Lansing-East Lansing, Mich.
Source: Consumer Sentinel Network Data Book, FTC March 2017

Identity Theft is Easy as Stealing From a Baby

When it comes to identity theft there is a good portion of the population that aren’t worried about it because they already have bad credit.  But the tragedy isn’t that their identity is stolen but its their baby’s or child’s identity that is stolen.  And this theft goes undetected not only months or years but for decades.  It isn’t until they are grown that they even start worrying about their credit score, like when they are applying for a college loan or applying for a job that it even comes into play.  By then the identity thief has been long gone for years.  Now it will take months, maybe even years to repair the damage.   It is bad enough that your credit may be ruined but to let your child’s credit rating get ruined probably wouldn’t qualify you for parent of the year.  So what should I do?  Here is a quick checklist of what you can do:

  • How can I prevent becoming a victim? By monitoring your credit with Trusted ID Total ID Protection and Credit Monitoring. (  More Info )
  • What do you do if it has already happened? Well, you call Lexington Law at 877-273-3192 they can help you repair yours or your children’s credit report.

We wouldn’t wish identity theft on anyone and feel it should be punished to the highest extent of the law.  Don’t be the next one of the hundreds of people who email us complaints every day.

The complete guide to Identity Theft

It is easy to tell when the economy is doing bad because the number of scams go up, and so do the number of identity theft cases. We have been asked numerous times regarding how to protect against identity theft. Well the Wall Street Journal has a great guide on the subject that everyone should read. The time it takes to learn about identity theft only takes minutes, but the time it takes to recover from identity theft could take years. Here is the guide I am referring to: The Wall Street Journal. Complete Identity Theft Guidebook: How to Protect Yourself from the Most Pervasive Crime in America (Wall Street Journal Identity Theft Guidebook: How to Protect)

Identity Theft Explained

What is identity theft?

Identity theft is when someone without your permission fraudulently receives and uses your sensitive information.

Is identity theft a criminal offence?

Identity theft is a serious criminal offence. When someone commits an identity theft by using your name and credit record it may take you months, even years clearing up the confusion. Clearing up an identity theft may prove to be very expensive. The chances are while repairing the mess due to the identity theft, you may lose your job, or lose out on job options, your home and car loans may be turned down and even education loans may be rejected. You may also be arrested for crimes committed by someone else using your identity.

What exactly is stolen in an identity theft?

In an identity theft the thieves fraudulently obtain your name, address, phone numbers, bank and credit card account numbers, driver’s license and social security number (SSN).

How is identity theft committed?

Persons committing identity theft are very resourceful and get information from different sources. One very simple way is by stealing wallets and purses carrying identification and credit cards or by stealing personal information from your home directly. Identity theft may be carried out by persons pretending to be an employer, landlord or any other person who have legal right to your personal information. Identity theft perpetrators may steal records from employers, or bribe an employee having access to the records or even hacking into organization’s computers.

Another identity theft method is by going through your personal or business trash. This is known as “dumpster diving”. Identity theft may be carried out by someone abusing the employer’s trust and accessing credit report information.

Personal information can be obtained by stealing credit and debit card numbers by skimming through the special information storage device that processes these cards. Identity theft is committed by stealing your mail that contain your bank and credit card statements, pre-approved credit offers, tax information or new checks. Diverting your mail to another address by filling out a “change of address form” is another way of committing identity theft. Your personal information can be obtained by someone falsely posing as a business person or government official, carrying false identities or papers.

How do they use the information after an identity theft?

After an identity theft the perpetrators can use your credit and debit numbers to make large purchases like computers, televisions, etc. that can be sold later. Persons committing identity theft can make counterfeit checks and debit cards and use up your bank account or open a bank account in your name and write bad checks. The identity thieves can file for bankruptcy under your name to skip paying the debts they have incurred and also use the information to avoid eviction.

Identity theft can be utilized to open a new credit account using all your personal information like name, date of bills, SSN and any non-payment of bills is then reflected on your credit report. Identity theft can be used to get an auto loan in your name, establish phone on wireless service in your name. Identity theft perpetrators can change the mailing address on your credit card account and keep charging your account. You will not be aware of this for sometime as these bills will go to the new address. Another serious consequence of identity theft is when your name is given to the police by the identity thieves, and on release when they do not show up at the court, an arrest warrant will be issued in your name. This leads you into serious trouble.

How do you identify yourself a prey to an identity theft?

You should always be up to date with all your financial records and dealings and be careful with your personal information. Identity theft can be found out by checking on unexplained charges and withdrawals from your account. You can tell an identity theft if you receive calls from debt collectors or companies asking for payments on goods or services not purchased by you. You can tell you are a victim of identity theft when you receive credit cards you did not apply for and also when your credit application is rejected without any cause. Any mail indicating your change of address or not receiving any mail on your correct address will show a cause for identity theft.

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2010 US Census Email Scams

Its that time again, when the US does it’s 2010 US Census.  And with it comes the 2010 US Census email scams.  So beware of scammers coming to your door portraying as census beau members.  Make sure to ask for Identification.  But that’s not the only thing you have to worry about, scammers are working up their 2010 census email scams and are going to fill in boxes with them soon.  Will the sole purpose of identity theft.  Just remember, “The Census Bureau does not communicate with anyone about their questionnaire via email,” said Ida Love of the U.S. Census Bureau.  Here is a nice news video about it.

Holiday Scams

This holiday season will result in an all time high for holiday scams.  As the shopping season kicks into high gear and shoppers flock to Black Friday sales more people will be flocking to the sales online.  This year should break records for online shopping and online transactions will increase as well and with that comes holiday scams, be careful who you buy from and use precaution when shopping online or in retail stores.  Here are a couple of tips that could help prevent you from being scammed.

1. When shopping at public retail stores carry some cash and try not to use your credit card for every little small purchase, this reduces the frequency that you supply your information.

2.  Use a separate account for shopping, especially online.  Set up a separate account that doesn’t pull funds from your other accounts and only put enough money in the account to cover your shopping budget.

3.  Use a credit card instead of a debit card.  Your liabilities are usually higher when using a debit card and credit cards usually offer better protection in case of theft.

4.  When creating online accounts to purchase products, don’t use your stock or common password that you use for your important accounts, like your bank account.  Its bad enough that you have to supply your account information for the purchase, but don’t make it easy by using the same passwords.

These tips could possibly save you a headache and some money, so please share this information with your family and friends.  We hope you and your family have a save and happy holiday season.

contact first city bank of new york

This looks official, but it is an identity theft attempt. Steps to report identity theft. Here is the scam email.

Federal Reserve Bank of New York

A subsidiary of the Federal Reserve Banking System

33 Liberty Street,

New York, NY 10045

Our Ref: FRB-75BFNYUS09

Your are advice to open the attach latter and contact First City Monument Bank Of New York with the required information.

Thank you for your anticipated co-operation.


Dr.  Janet Yellen,



Notice To Recipient: This email (and any attachments) is only intended for the use of the person or entity to which it is addressed, and may contain information that is privileged and confidential. You, the recipient, are obligated to maintain it in a safe, secure and confidential  manner. Unauthorized redisclosure or failure to maintain confidentiality may subject you to federal and state penalties. If you are not the recipient, please immediately notify Federal Reserve Bank of New York by return email, and delete this message from your computer

Your Resume Evaluated. Please Proceed To Next Stage of Employment Procedure is sorry to inform you that the “Your Resume Evaluated. Please Proceed To Next Stage of Employment Procedure” email you got was a scam. Here is a copy of the email scam.

Grettings. Good Day.

We came upon a copy of your resume online. Our establishment handles many employment opportunities in your field. We are extremely keen in appointing a qualified person such as yourself for a collection of services we offer. The duty is satisfactorily straight forward. You will be in control of planning meetings and from time to time, running company errands. When running errands you will be given a credit card from the company.

Due to damaging experiences with this in the past, before we can send you an company card application, we need you to get a credit safety inspection.
We prefer you use – – to obtain this info. When you provide your data they will give you
your credit check. When you send thru email your credit score, we can go on with the employment process.

We have part and full time positions on hand. Send me your schedule and how many hours per week you plan on working. Awaiting your feedback!

Thank You,

John Edwards
Human Resources Director

MUTUAL AGREEMENT from Sergent Richard Donaldnelson

The MUTUAL AGREEMENT from Sergent Richard Donaldnelson promise money, but its a scam, see the email below.

Dear  Sir,
My name is Sergent Richard Donaldnelson, I am an American soldier, I am serving in the military with the 1st Armored Division in Iraq , as you know we are being attacked by insurgents everyday and car bombs.We managed to move part of funds belonging to Saddam Hussein’s family in 2003.

The total amount is US$7 Million dollars in cash, mostly 100 dollar bills,this money has been kept somewhere outside Baghdad for some time but with the proposed troop in increase by president Barrack Obama, to end the suicide bombing and make peace with Iraq militant and terrorist ,we are afraid that the money may be discovered hence we want to move this money to you for safekeeping pending the completion of our assignment here.

READ THIS WEBSITE VERY WELL AND GET BACK TO ME.  We are ready to compensate you with good percentage of the funds, No strings attached, Iraq is a war zone, we plan on using diplomatic means to ship the money out as military cargo to your home, under diplomatic immunity cover.

I am contacting you in confidence, all arrangement for the successful delivery has been put in place, all we need from you is to receive the cargo from the diplomat, If you are interested I will send you the full details, my job is to find a good partner that we can trust and that will assist us. Can I trust you? When you receive this letter, kindly send me an e-mail signifying your interest.

Regards ,
Sgt. Richard Donaldnelson