- Business/commercial identity theft-(using another business name to obtain credit)
-criminal identity theft - which is when one person uses another persons name if arrested by police
- Financial Identity theft- when a person uses someone else's identity to obtain goods and services.
-identity cloning- When a person uses another persons information to assume his/her identity in life on a daily basis.
- medical identity theft- Stealing someones identity to obtain medical care or drugs.
Identity theft is closely monitored today specially to prevent terrorism.
People can steal a persons identity in a number of different ways... One way and probably the most popular way is to steal someones mail, that has the persons personal information on it. Another way is by stealing an individuals credit card... Today another popular choice is by advertising false jobs (specially through craigslist). With the economy the way it is now, and with all the people that are job-less. it makes it easy for this to happen. People post fake jobs and set up interviews... During the interview the interviewer will ask the applicant for there SS # and other personal information. The applicant will feel obligated to give this information to increase there likelihood of getting hired for this fake job.. It's important for people now a days, to keep there personal information to themselves, and NEVER give out your banking information....
Citibank has developed a identity theft protection plan that protect people against these fraudulent purchases... Something other banks are also beginning to do as they realize this problem is only increasing...
This topic is so close to me because my freshman year of college I had lost my Debit card on campus at my school... I did not notice until the next time I went to use my card, which sadly was 3 days later!!! Someone had found my card and used it to buy a video game system and other various electronics.... I had lost 75% of my bank account which was luckily only 600$, but for a college student, that is a lot!!! I contacted my bank, to cancel my credit cards and to see what was my next step. Unfortunately they could only refund me 50% of what was lost, but I guess that was better than nothing... It did teach me a valuable lesson of being more responsible, something Im almost glad that happened.
It was pretty impossible to catch the person who was using my card, I've heard stories of people who steal credit cards, then order merchandise over the internet and have it delivered directly to their homes!!! Therefore the police and other investigators go to the peoples homes and recover the merchandise and arrest the person.. That to me is being a pretty dumb criminal...
http://en.wikipedia.org/wiki/Identity_theft
http://www.youtube.com/watch?v=lR1OUFmGq0E