Lifelock Identity Protection
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Lexington Law Credit Repair
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MyFICO Credit Reporting
The Need For Identity Protection
You have probably heard the term identity theft and already have some idea of what it is, but most people do not realize that it is much more than someone merely using their name and personal data to commit fraud. In fact, in today's global economy there are literally thousands of organized crime rings that regularly exploit innocent victims in efforts to gain illicit funding for their activities. In the United States alone more than 8.3 million adults are victimized each year according to the Federal Trade Commission and data obtained from lifelock ID protection report. You don't have to be a financial or law enforcement expert to understand that this is a tremendous problem.
One of the reasons this problem is so prevalent today is that the same convenience we enjoy when we pay bills online or apply for a credit card in the privacy of our own homes also aids the criminals who are out to do us harm. We have the pleasure of privacy when we work with our money from home, but that same level of anonymity applies to those who are bent of committing fraud. It is the classic two edged sword, but the real problem is that you are the only one who truly ends up getting cut.
In case you think that your credit can't be damaged because you don't pay bills over the web, have an online bank account or perform any other online transactions, you may want to reconsider your stance. The fact is, the companies who hold your personal data have information storage that is accessible not only via the internet itself, but through their employees. Try as we like, we cannot stop those who are determined to commit a crime and unfortunately, that extends to the very employees of companies you do business with. All it takes to have your personal data distributed through a hundred different groups that trade in such information is one person willing to steal the information and sell it. It really is that simple.
One of the things that many Americans also do not realize about their credit is that it is not only American criminals that we have to contend with. In other nations where poverty is rampant and people are desperate for some way to feed themselves, the incentive to steal your money to feed themselves is much higher than it is in the United States and other more highly developed nations of the world. These are the individuals who are not only driven to carry out crimes, but they have the time to do so due to lack of meaningful employment in their local area and poorly funded law enforcement agencies that are simply either under staffed, under funded and generally not technologically adept at pursuing these types of criminals.