Identity Theft and Other Ideas
I've been hearing a lot of talk lately about the dangers of identity theft. Apparently it is easy for a person to steal another person's identity and use their bank accounts, credit cards, charge accounts and other things of value.
How does identity theft happen? Why does it happen and would it ever happen to you? These are a few burning questions that we need to ask someone, preferably someone who knows what the word 'identity' means. Preferably someone with an IQ that's a little higher than that of a shoe box. Perhaps we could ask ourselves these question, providing we know the answers.
Identity theft occurs when someone uses your personal information without your permission to buy things or get government aid (good luck with that one, I say). While you can't entirely protect yourself from ever becoming a victim of identity theft, there are things you can do to minimize your risk.
First and foremost let's discuss credit card theft. If you are among the millions of people experiencing swipeout, (which is a new term for when your credit card is rendered useless from too many swipes, and it is over the limit, and the account is flagged as grossly delinquent) then you need not worry about anyone using your credit cards. The credit card companies will no longer allow you to use them, so there is little to no danger that anyone else would be able to make any charges to your account. This a great way to prevent credit card fraud. So I would suggest maxing out all your credit cards immediately. If you don't need to buy anything at this time, feel free to buy something for me. I am always happy to lend a hand in helping others in these type situations.
The next thing is your bank accounts. If you have a checking account, there is a possibility that someone can steal your checks and forge your name on them and spend all your money. However, if your account is overdrawn and your checks are bouncing so badly that you have named the account Tigger, then the possibility of someone using your checks is almost nil. I would once again suggest that you immediately begin writing checks until your account is at least a thousand dollars into the overdraft. And here again, I am willing to help out as much as possible. You are welcome to make out all your checks to my organization called, "Creating and Sharing Humor," or C.A.S.H. as it is more commonly called.
The next thing that we need to worry about is that someone might steal your social security number and use it to apply for your government health benefits. And here I say "Bwwaahaahaahahaha! Hehehee!" Sorry, I couldn't help that. The mere thought just struck me as hilarious.
However, should your identity be stolen here are a few tips on how to deal with it.
(1) File a report with your local library or the police in the community where the person whose identity was stolen from resides if their residence was different than the place where the identity theft took place and if it is outside the jurisdiction of some other police department or drugstore.
(2) Get a copy of the report or at the very least, the number of words on the report, the color of the ink, or the type of paper it was written on, to submit to your creditors and others that may require proof of the crime or the alleged crime as the case may be as was the case of Dingle vs. Morton (1856) [Record Group 233] (HR32B-D8.5).
The main thing is, don't panic. Perhaps the person who stole your identity will attempt to give it back for fear of being arrested and thrown into debtors prison. Or they might feel really sorry for you and pay off your bills and clear your credit.
It is also a good idea to check your credit reports. The cost is minimal, and it makes money for the credit reporting agencies and keeps them in business. Have you checked your credit score lately? The higher the number the better your credit. My credit score is so low on the minus side I fell off the scale. So I'm not all that worried about identity theft. In fact, I probably couldn't pay someone to steal mine. This makes me feel a lot more secure and protected against the possibility of ever becoming a victim of identity theft. And we all know what they say about prevention...don't we?