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Computer Identity
Theft
Computer identity theft is a growing problem facing consumers,
as more and more people are turning to the Internet for their
shopping needs. Predators are using the power of the Internet
to steel the information from unsuspecting victims. Computer
identity theft usually starts with an e-mail. The e-mail is
sent from what looks to be a reputable agency or business that
the person has reason to deal with, such as the IRS, Ebay, or a
credit card company. The e-mail tells the reader that something
has happened to them, such as an audit or a problem with their
credit card, and all they need to do is respond to the e-mail
with their information, or Social Security number, and the
problem will be fixed.
The minute the consumer responds to this e-mail, the computer
identity theft begins. The scammer immediately begins to use
their identity online to make purchases, clear bank accounts,
and even take out loans. The sad truth about identity theft is
that the person whose identity is used to make the fraudulent
purchases is often responsible for them. This can lead to
financial disaster, particularly for people who are in a
dangerous place financially.
Why It Works
One of the reasons that computer identity theft works so well
is that the e-mails look official. Sometimes they even redirect
the consumer to a site that looks exactly like they would
expect the site to look. They also make the consumer feel as
though if they do not do something about the information in the
e-mail, their account will be in serious jeopardy, or an
expensive charge will be made to their account that they did
not intend. The sense of urgency created by computer identity
theft is one reason why it is so successful.
How to Protect Yourself
To protect yourself from computer identity theft, start by
installing an anti-spy ware program on your computer. Run it
before doing any financial work online. This program will scan
your computer for programs that record your personal
information and send it to a third party. Remove these programs
before you do anything online that could give your personal
information away.
Second, do not click on e-mails that look like they are from a
company or agency, no matter how official. Instead, type in the
address of the e-mail and put in your password. This ensures
that you will not be taken for a ride, because you know the
website address of the company.
Finally, only do online business with secure sites. Never give
your social security address out over the Internet. These two
tips will go a long way to keeping you safe from computer
identity theft.
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