Online Identity Theft
Online Identity Theft
Online identity theft causes concern to many people and makes some hesitate to utilize online banking, shop online or conduct other financial transactions online. Although identity theft does happen online and needs to be monitored, according to the FTC and research conducted by Javelin Strategy and Research, identity theft occurs by traditional offline methods, rather than internet activities. Still, according to those statistics, ten percent of identity thefts originate online. For this reason, it is important to understand online identity theft in order to preventing the problem from happening, without having to give up all online financial activity. In order to protect your identity, you need to protect your personal information both online and offline. There are certain things that must be protected, such as account numbers, passwords, pins and your social security number. This information is most often stolen offline, but can then be used online to commit . In other cases, thieves get the information online. There are certain techniques used by identity thieves to acquire personal information online. This provides the opportunity for a thief to get far more personal information than could be acquired by stealing documents from homes, mailboxes or garbage cans. Learning how they get the information can help you prevent having your identity stolen. One way that this is done is through a process called phishing. This involves sending spoof emails to individuals impersonating a financial institution, PayPal or an online merchant. The email takes several forms, but generally requests the individual to change their password online after clicking a link in the email. When you click the link, you are taken to a spoof site that appears legitimate, but belongs to the thief. When you enter your information, they have it and can use it against you. A less common method, but one that still happens frequently enough for concern, is to set up a fraudulent online store. The thief poses as a merchant and has a working website that may appear legitimate. The information you put into the computer when you place an order, such as personal information and credit card numbers can be used without your knowledge. The best way to prevent this problem is by avoiding sites that you don't know or that aren't secure.
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