Antispyware software is a must for every personal computer because of so many threats that are being caused due to the various spyware. The fact is that as soon as your computer is open to the Internet world, it is prone to be affected by many spyware. The spyware is such a threat that will steal away all the information and send it to the third party without your knowledge. It can track the sites that you visit normally and even send your id and password to the party who has the control of that spyware. It is very difficult to check this problem legally and catch those identity thieves but you can secure your computer by installing good antispyware software.

If you have observed that your computer has become very slow and sluggish and though you removed all the unwanted junk from your system thinking that it?s because your computer is overloaded but you see no change in the way your computer responds, then it?s time you consider installing an anti-spyware. Though the market is flooded with different versions of anti-spyware you should make your pick carefully and it has to be an informed decision not a random act.

Consider, the anti-spyware bot for installation as it offers a whole package of your computer?s security provisions. An award winning skill used in this spyware, which ensures the protection of your computer from malevolent spy wares, intrudes into the computer without your information. It is very quick in identifying all potential hazards. Do not drop your heart even though there is congestion in your computer with adware and spy wares because it is not late. The very effective anti-spyware bot, locates the adware and spyware, will remove it permanently from the hard disc.

Some of the efficient anti spy ware are available as a trial version. You can use the trial version free so that you can come to know its effectiveness and assess its efficiency in detecting spyware and adware. Anyway after the trial period you will have to purchase it for further functioning. Check out whether the anti spyware is up to date. That?s because new types of spyware will be created and if you don?t update your anti spyware system with this information it may not detect the new spyware. Go for the anti spyware software distributed by established companies. That?s because you can rely on them for future updates and other support after purchase.

The antispyware you install should give you the manual scan facility, so that the drives are scanned individually, and maintain it clean from spyware threats. At the time of downloading antispyware from the web whether that is paid or free version, be very careful, since many duplicate sites are there, which resemble the home or main page of well-known sites. You should be aware that these sites are a platform for the spy wares, and they will enter our computer the moment you click download button.



By: Isaiah G. Henry

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Identity theft is a real threat. It occurs when someone obtains credit card numbers, Social Security numbers, bank account information or other pieces of private information and uses them to commit some sort of fraud or deception, usually for financial gain. Identity theft can happen anywhere to anyone. In line at the store, online at home or when you’re buying your morning coffee.

Identity theft, also known as ID theft is a crime in which a criminal obtains key pieces of personal information, such as Social Security or driver’s license numbers, in order to pose as someone else. The information can be used to obtain credit, merchandise, and services using the victims name.

Victims might spend months or even years regaining their credit worthiness. In the meantime, the victims find it difficult to obtain loans, get a job, an apartment, or even write checks. Victims of economic crimes are encouraged to contact the following companies when their identity has been compromised by criminal activity.

Consumers were asked to name institutions where fraudulent accounts were created or where their accounts were affected by fraudulent activity. While the size of banks could be estimated by the amount of money they held in deposits, no such measure is available for telecommunications firms.

Consumers can protect themselves from identity theft in a variety of ways. Perhaps the most effective shield is a “credit freeze.”.Under a law proposed by my office and passed by the General Assembly, consumers can have one of the major credit rating agencies “freeze” their credit.

Luckily, I have a good agent that told me about it over a year ago. Look for any unauthorized accounts as well as numerous requests for your information from prospective creditors, which may indicate that someone is attempting to open accounts using your information. If you discover any unauthorized use of your personal information, you should contact your local law enforcement.

Last year, the government lost two computer discs containing government records on 25 million people. And in January the Ministry of Defense admitted it had lost control of a laptop containing unencrypted records on 600,000 prospective military recruits.

Identity theft is a felony crime; however, police cannot help with your credit record or undo the damage that has been done. Delayed discovery of identity theft and the various ways criminals can now gain access to your personal information, can complicate a criminal investigation. Identity theft often goes undectected.

Within a month of being committed, half of the crimes still remain unnoticed. Identity theft has grown at an astounding rate since the widespread adoption of the Internet. Every day new news appears about incidents of identity theft, new methods of theft, and cutting edge technologies designed to protect your identity.

Contact your local police department and ask to file a criminal complaint. Some police departments aren’t too thrilled to do this, since it is a very difficult case to pursue. Contact your banks and have them help you obtain new account numbers for all your accounts. Pick a new PIN number for ATM and debit cards.



By: Gregory Wadel

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As everyone knows unless you have been asleep like Rip Van Winkle identity theft has become the #1 crime wave in the U.S.A. according to the FBI and the US Postal Service. That is what Michael Bloomberg the New York City Mayor thought too, until he became a victim.

Now a new fear has raised its head because of the recent federal and the state laws that go into effect on January 1, 2008. For years anyone in the country illegally could (and still can) purchase any type of document on the street from some vendor. These fake documents can range from a Social Security card, drivers license, green card or practically anything else people are willing to pay for.

Recently the Arizona Republic ran a three-page article (August 19, 2007) on how easy these documents were to obtain. Arizona and Phoenix are both rated #1 in identity theft. Arizona police have seized 2,134 fraudulent documents in the last two years. And note, that’s just what they found, not what’s out there. Further the Arizona Republic says police have received 3,400 identity-theft complaints from January 1, 2006 through June 30, 2007. Is Arizona unique? Hardly, your city is the same.

According to the Arizona Republic the authorities fear the fake identity industry will grow as migrants look for ways to circumvent the state’s new employer-sanctions law and a new Bush administration crackdown on illegal workers.

With the job markets for illegal immigrants closing the police statewide are looking for more identity thefts in order for illegal immigrants to obtain authentic numbers. “It’s growing and it’s pervasive,” says Lt. Giles Tipsword of the Phoenix Police Department’s property crimes bureau. “This is a multimillion-dollar industry”.

To give some idea of the size of this industry look at these figures:

· $1.5 million dollars in cash seized from fraudulent-document makers operating in Arizona in the last 2 years

· 491 fake green cards

· 487 Social Security cards bought by undercover officers

· 172 drivers licenses bought by undercover officers

· 147 computers seized

· 217 people arrested

· And you know they didn’t get them all, that goes without saying.

Arizona’s new employer-sanctions law requires companies to verify worker eligibility through a federal database. Lawmakers in other states are taking steps to make it more difficult for illegal immigrants to get fake documents. And under new rules by the Bush administration in August employers face prosecution if they don’t fire workers whose names and Social Security numbers don’t match.

Nobody expects the fake document industry to dry up and disappear. If anything, those in the know say they expect it to get bigger and more sophisticated as criminals who make fake documents adapt to meet the demand. The database can’t flag documents made with stolen identities, where the names and numbers match.

According to Leesa Berens Morrison, the director of the Arizona Department Homeland Security, “There is a good potential for an increase in identity theft and also an increase in the manufacture and sale of fraudulent documents.”

In July, Arizona Governor Napolitano signed a tough employer-sanctions law aimed at turning off the job magnet that draws so many illegal immigrants. That law which takes effect January 1, 2008 revokes the business license of employers who knowingly hire illegal workers a second time.

It also requires the more than 150,000 licensed Arizona employers to run Social Security and other data for new employees through the federal Basic Pilot Program, an electronic verification system. For the record Arizona businesses employ about 1.6 million workers.

The Basic Pilot Program is designed to determine whether an employee is authorized to work in the U.S. As a result, local, state and federal authorities anticipate a rise in identity theft.

They expect to see fake-document makers morphing into large-scale criminal enterprises producing high quality fraudulent documents made with real names and real Social Security numbers stolen from someone else. The trick here is not to let yourself be one of those!

Identity Theft Protection

Undocumented immigrants frequently use illegally obtained identification numbers to gain employment. Victims of this type of identity theft may not suffer financial harm initially because of its intended use. However, down the road that person may decide to see if they can get a credit card, or buy a house or car – do you see where this is going? They become you! Even if they don’t it will still take you many hours to unravel the web they will have woven.

Here is what you can do to protect yourself.

· The first thing you should do is subscribe to LifeLock. There is no finer protection available. And all for about $10 per month. The information is on our website http://www.1-800BadCredit.com

· Review all bank and credit card statements monthly.

· Notify banks or credit card companies immediately of any unauthorized activity.

· Write “Ask for photo ID” next to your signature on the back of your credit cards.

· Ask your credit card company to stop sending blank checks with statements.

· Carefully review your credit reports. When you subscribe to LifeLock they will order these for you.

· Keep documents with personal information, credit card account information and PIN numbers in a safe place.

· Use a credit card, not a debit card when ordering on-line or by phone. Credit cards offer greater protection to consumers.

· Guard your Social Security number. Never carry your Social Security card with you.

· Do not give out your Social Security number unless it is required for employment, bank account or other legitimate purpose.

· Do not put your Social Security number on your driver’s license.



By: Dewey Kearney

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Protection against identity theft is important if you want to keep your finances in order. There are some simple steps that you can do to help prevent someone from wrongly using your information as their own.

Make sure you keep all of your private documents safe. Do not carry your social security card or birth certificate with you in your wallet or purse. Instead, place these and other important documents in a secure place such as a locked filing cabinet or a safety deposit box. Make sure you don’t have any identification cards, checks, or membership cards with your social security number on them. If they do, ask the provider for a new identification number and card.

Shred any documents with personal information that you are throwing away. Whether it is a pesky credit card solicitation or old bank statements, shred them in order to protect against identity theft. This will help keep identity thieves from being able to open a credit card in your name or access your accounts.

Avoid buying from shady Internet sites. Make sure that when you are entering your credit card account number or other personal information that the “http” in the URL changes to “https.” Also be leery of telemarketers selling things on the phone, and don’t be too ready to give them account information.

Just like you should be careful of telemarketers, be careful dealing with solicitations online or through email. Access sites of financial institutions by entering their URL yourself rather than following a link from another site. This will help prevent “phishing,” a type of identity theft.

When mailing in payments or other documents in the mail, take an extra second and make sure that your account number is not visible through the envelope, especially when held up to the light. If it is, use a security envelope or add additional paper to keep someone from a potential thief from stealing your account number.

Another type of protection against identity theft is to watch when and how you use your personal identification number (PIN) on your debit card. Cover your hand to prevent those around you from seeing what numbers you press. It is a good idea to choose to sign instead of entering your PIN at the store when using your debit card.

There are several steps you can also do to catch identity theft early on before it has a chance to ruin your financial situation. Review credit card and bank accounts often for any unusual or suspicious activity. You should also review your credit report each year, which can be done for free. If you see anything that is not right, you can go about contacting the credit bureau to get it taken care of.

These simple steps can help protect you against identity theft. By being aware of what things that you do on a regular basis leave you vulnerable to identity theft, you can do your best to stop it from happening and avoid the stress and trouble.



By: Ronnica Rothe

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Having your identity stolen is a big deal. Many people perhaps may not think so, but a lot of bad things can happen to you, just because someone knows enough about you to pretend to BE you. If someone else has access to your identity, or rather your personal information such as your social security number, driver’s license information, and bank account information, they have the ability to cause a lot of damage to your good credit, take out loans in your name, and heap a huge load of debt upon you that you don’t even deserve.

When you think you are having trouble with identity theft, there are a few things you can do to ensure that it does not go any further than it already has. It is best to catch it before it starts, but it is possible to stop it if it has already begun. Here are a few hints to watch for when looking for signs of potential identity theft.

Existing credit card statements or loan statements will show actions on them that you did not take. They will reveal any withdrawals that are made, and if you watch carefully, you will be able to descern your withdrawals from those you did not make. If you find any actions that you do not remember taking yourself, contact the lender and have them give you more detail on it so that you may know for sure that it is not yours.

Lending agencies may call you to let you know that you got approved for a loan that you did not even apply for. Getting contacted by a loan officer who says you spoke with him or another earlier before applying for a loan is obviously a red flag, and immediate action should be taken. It is very fortunate, however, that they called you, instead of the person who may have been trying to get the loan in your name.

Prevention is the best solution in this matter. The better you can protect yourself from identity theft, the more chance you stand of catching it before it even happens. Here are a few things you can do to keep identity thieves out of your hair.

Keep track of your loans and your credit card accounts. Make sure you know just how much you spent and when you spent it so that when the statement comes, you can easily tell whether or not all of the transactions are rightfully yours. This will help you catch any potential threats earlier.

Check your credit report. Getting a copy of your credit report frequently shows that you’re monitoring your credit. Because you are doing this, you can find out when and how much your credit score may go down because of loans you don’t know you had, or problems occuring with existing loans.



By: Court Tuttle

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The past few years have seen millions of Brits put at increased risk of identity theft by banks, retailers, and government departments who have failed to effectively secure the personal details of their customers and staff.

1 HM Revenue and Customs was at the centre of the UK’s biggest data breach incident in November 2007. The child benefit records of 25 million people were lost in the post, including names, addresses as well as bank and building society details. The sensitive information had been placed on two computer disks that were destined for the National Audit Office.

2 Nationwide Building Society customers were put at increased risk of identity theft after an employee’s laptop was stolen. The laptop contained details of 11 million of the society’s customers. Money watchdog, the Financial Services Authority took such a dim view of the data loss that it fined the mortgage provider almost £1million.

3 Customers of cut price clothes retailer, TK Maxx, discovered, around the same time, that their credit card details may have fallen into the hands of identity fraudsters over a 4 year period. It was believed criminals had hacked the firm’s computers using wireless technology. It was also estimated that, world-wide, more than 46 million credit card details had been intercepted in the scam. This total included details from the US based retailer’s 210 UK stores.

4 Personal details of three million British learner drivers went missing in 2007 when computer equipment belonging to a third party contractor, working for the Driver and Vehicle Licensing Agency, went missing. The Information Commissioner’s Office deemed the data in this case to be less sensitive than other data loss cases as the records, which had gone missing in Iowa, did not contain financial information, such as bank account numbers.

5 Details of more than one million credit card accounts were contained on a computer disk sold, for less than £100, on Ebay to an Oxfordshire IT manager. The disk was sold in August 2008 and contained the account details of customers from a number of major financial institutions, Natwest, Royal Bank of Scotland, and American Express. Among the customer information reported to be on the disk was account information, signatures, mobile phone numbers and mothers’ maiden names. The disk purchaser, who reported the bungle, said the information would have been obtainable by someone with just basic software knowledge.

6 A junior MOD official was in hot water after a laptop containing details on 600,000 potential military recruits was stolen from a car in Birmingham. The list of information stored on the portable computer was reported to include: names, addresses, bank account information, national insurance numbers as well as passport numbers.

7 HSBC ended up with egg all over its security procedures when it lost the details of 370,000 customers in April 2008. The data, which included names, dates of birth and insurance details of customers, had been placed on a disk and put in the post.

Calls have been made by security experts for UK laws to be tightened to make sure affected people are notified immediately by organisations guilty of losing customers personal information. An influential group of Parliamentarians has also called for data loss to be made a criminal offence to help curb the tide of security breaches putting consumers at increased risk of identity theft.



By: Tristan Dunston

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What makes identity theft the epidemic it has become? The fact that half of all victims know the person that committed the theft according to the Better Business Bureau’s 2005 Fraud Survey.

Watch out for these red flags

Resentment

I worked for a company that handled lost and stolen credit card reports. I don’t know how many times someone called and said their ex or soon to be ex spouse stole all of their financial information and went on a vengeance spending spree.

Of course it’s not limited to former husbands and wives but anger is a powerful emotion. The obvious familiarity, total access to private information combined with the desire to do as much damage as possible makes this the most devastating form of id theft financially and emotionally.

No matter what the relationship, always keep a close eye on your credit and other financial information.

The Snoop.

The people that ask you too many questions of a very personal nature. Its easy to not think anything of it.The person may be a relative, neighbor or close friend but ask yourself (and them) exactly why do they need to know your date of birth or social? You may even catch them snooping thru your personal information.

Now it could all be perfectly innocent but with id theft the number one crime for the fifth year in a row, do you really want to take that chance?

3.Addiction

“I don’t have any drug addicts in my family.” Good deal but substance abusers are not the only people who will steal from you. Alcoholics, people addicted to porn, even compulsive shoppers are potential identity thieves.

Gambling and pornography on the internet are billion dollar industries. According to Jim Vaules, an identity theft expert for Lexis Nexis, “You see a lot of internet gambling and pornography sites being charged to stolen cards. [Identity Thieves] might use the card of a family member or friend”

Any kind of obsessive behaviour can throw a person’s normally rational judgement out the window because the only thing that counts is satisfying the habit NOW!

Addiction also means more than likely the identity thief can and will justify their actions. Even if you catch them red handed, its very possible they’ll say its not their fault, put the blame on you or just shrug their shoulders and say “so what?”

What do you do in instances like this? Filing a police report may not be a bad idea.

Author Liz Pullman Weston of MSN Money says “A little tough love may be the only way to stop a miscreant from becoming a career criminal”

Even if the addict apologizes profusely and vows never to do it again (quite common) the odds are high they will do it again unless they get some counseling. Filing a police report no matter how reluctant you are could be a step in that direction.

There are of course other symptoms. Somebody living above their means or mail that looks like its been tampered with. Identity theft requires constant vigilance with credit monitoring, storing private information in secure places, shredding documents etc.

If identity theft happens to you, the best thing besides recovering your identity will be your peace of mind in realizing it wasn’t anyone you know.

Daryl Campbell is a writer and owner of Campbell Marketing L.L.C. What’s the best way to fight id theft and fraud? Free information. Get featured articles from experts as well as tips,resources and up to the minute news at http://fightidtheft.winthemarket.com



By: Daryl Campbell

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There are a lot of identity theft cases being reported today and many millions of dollars are being lost as a consequence. It will therefore pay to take a closer look at what is identity theft because the more knowledgeable you are about this particular form of theft, the better equipped you will be to prevent it from happening to you.

The first thing that strikes most people when they wonder exactly what is identity theft is that it involves someone hacking into a bank account (online) or is about using your credit card or your ATM in an illegal manner.

More Than Financial Losses

If you don’t know what identity theft is you will not be able to take preventive measures and you will also not be able to know when and how to look for instances of identity theft. What’s more, identity theft is not confined only to financial losses and there are in fact five different areas that you will need to learn about.

When learning more about what is identity theft, you need to also check to see whether it does not involve your driving license. Identity thieves are known to use stolen identities to create driving licenses in the names of their victims and will then go ahead and commit crimes or do other illegal things in your name - leaving you to face the consequences.

Another aspect to identity theft is the one that relates to stolen Social Security numbers. So, your search for an answer to what is identity theft should also take into account that your Social Security number is a prime target for identity thieves. By stealing your Social Security number, thieves can get 1099 jobs and even cash paychecks while conveniently forgetting to pay their taxes and then leaving you to shoulder the responsibility of correcting their erroneous ways.

Yet another area in which identity thieves strike is by stealing your medical insurance. It means that the next time that you enquire about what is identity theft makes sure to also check whether a thief has not illegally used your health care insurance by having made off with your health insurance card.

In fact, identity theft can also affect your character and this is an area in which you will need to be well informed about because this form of identity theft can be especially hurtful for you. Once your character has been compromised you will find it very difficult indeed to restore your damaged reputation. Finally, you also need to ask questions related to what is identity theft with regard to your finances.

By understanding what identity theft is, particularly in the five areas mentioned above, you will be able to protect you a lot better. Today, there are also credit monitoring services that can help consumers learn to deal with credit fraud and therefore you need to also become better acquainted with this aspect to credit fraud as well. It is never a good idea to wait till identity theft strikes you; rather, you need to find out as much as is possible about what is identity theft and then take remedial steps so that you enjoy a life free from different forms of identity theft.



By: Bill Protresi

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The crime of identity theft gets increasing attention. In 2005, ABC News conducted a poll that indicated consumer concerns about identity theft had risen sharply. They reported that, in 1998, fewer than 40% of U.S. adults were concerned about identity theft. By 2005, over 70% of all adults were worried that their personal information could be stolen through the internet. In 2006, over 90% of all New York voters were concerned about identity theft.

The news media, which is one of the most effective ways to learn about identity theft, is doing their job - at least as far as publicizing the degree of concern about identity theft. They have also been a good source of information about how individual consumers can prevent theft of their own personal and financial information.

In an era when electronic communications and the internet are making personal information easier to store and transmit, we are likely to continue to see increases in the number of crimes committed against unsuspecting consumers and wary businesses. The frequency of news stories reporting a companies’ failure to protect their customers’ information makes it clear that consumers and businesses alike are vulnerable to theft of personal information.

Today’s businesses that maintain databases of customers, their purchases, and their payments must be increasingly vigilant to protect that information from improper sharing and use. Although all big business is vulnerable, the most threatened sectors today are banking and lending institutions, real estate companies, facility management companies, and related fields. E-security becomes a bigger part of their operating costs every year, and the need for such security is supporting the growth of a new employment sector in the U.S. and abroad.

Responding as quickly as they can, both federal and state governments have passed or are working on updating laws that protect personal financial information and impose harsher penalties for the crime of identity theft. However, it is difficult to detect identity theft crimes while they are underway, and it is even more difficult to identify and catch the criminals responsible. A few identity thieves are even using their false documentation to conduct other crimes and escape prosecution.

New and different measures can be seen in the way credit and other financial transactions are done. One new protection is the “security freeze” that allows people to thwart access to their credit report without specific persmisions. Consumers must request the freeze from each of the three major credit reporting services. Companies are allows to charge a fee of $10 for this service, but senior citizens older than 64 years and persons who are victims of identity theft are exempt from this charge.

Computer and internet security continues to be a major issue for businesses, especially when they want to attract customers. Advertising increasingly describes tough security measures and assures personal privacy in an attempt to address public concerns about identity theft. Programmers and software developers are working hard in a number of areas to create hack-proof solutions to the problem of identity theft.

For small companies and individuals, the use of removable storage devices like CDs and external hard drives are a practical security solution. But for large companies with thousands to millions of accounts, sophisticate large-scale solutions like firewalls, fingerprinting, and random PIN generators maybe more cost effective. Computer encryption, though a mystery to many of us, is relied on more and more by business to protect sensitive data and personal information.

In today’s news-rich environment, it should be clear that the crime of identity theft is still on the rise. Certainly, more people are aware of and concerned about it than ever before. And so far, law enforcement has not been able to catch up with technology. Identity thieves are ahead of the curve today. But this could change rapidly with the development of new automated solutions and enhanced security practices.

Very recently, FOX News reported that peer-to-peer network file sharing is a critical internet security vulnerability, despite the rising popularity of these networks. According to the FOX News article, Mary Engle of the Federal Trade Commission said, “The danger here is clear, as it is commonly acknowledged that criminals now troll file sharing networks for the sole purpose of finding sensitive data that can be used to commit identity theft.” But fortunately, Ms. Engle reported, a new security software called Identity Finder helps users find personal financial information within files, e-mails, and web browsers and then enables individuals to delete or protect the data using encryption.

To learn more about identity theft and how to prevent it, visit the Identity Theft Assistance Center (ITAC) on the internet at www.identitytheftassistance.org/. ITAC is a non-profit group of financial service companies dedicated to help identity theft victims by reducing delays and frustration associated with restoring their personal financial integrity and identity. ITAC offers service for victims without charge, helping them inspect their credit reports for signs of identity theft and alerting consumers and businesses to possible fraudulent actions. In addition, ITAC is sharing this information with state and federal law enforcement in an attempt to help catch and prosecute the responsible criminals.



By: Abhishek Agarwal

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Identity theft is all too common this day in age. It seems like the problem is growing to new extremes. As a major facet of identity theft, credit card fraud is also largely preventable by taking basic precautions and using good financial common sense. Read on for a few of the most effective ways to avoid credit card fraud completely.

Keep Your Digits to Yourself

Don’t let anyone borrow your credit card or have access to your credit card number. A large amount of credit card fraud happens simply as a result of not paying close enough attention to who is doing what with your card. Keep tabs on who has your card and for how long. For example, most of the time at retail stores and even at restaurants you can see what’s going on with your card. If at all possible, watch to make sure no one is “mishandling” your credit while processing it.

Destroy Old Receipts

Even though it is now a law in many places that transaction receipts must not display any more than the last few digits of your credit card number as part of the print out, that’s really no guarantee that your personal and credit card info is not still there. Make sure none of the receipts from the use of your credit card are left behind for the next person to see. It’s best to destroy old receipts by shredding them once they’re no longer needed.

Shred Credit Card Applications

Think about how many credit card applications you receive by mail in the course of a month or so. Each and every one of these is practically an invitation for fraudsters to take advantage. They can get them right out of your mailbox or even the trash and fill them out to obtain their own credit card under your name in no time at all. To reduce your chances of becoming a victim, check your mail as soon as possible every day and be sure to shred all unwanted applications before discarding them.

Only Do Business with Secure Websites

The web has a reputation for being sort of the Wild West when it comes to credit cards. The perception is that information is stolen routinely and identity thieves are abundant. While it’s always better to be safe than sorry, this notion of online lawlessness is largely a misperception. In fact, when doing business with reputable businesses online, your credit card info is probably even safer than it would be in a typical offline transaction. Just make sure the connection is secure (look for the padlock logo in your browser) and that you completely trust the company you’re paying.

Review Your Statement

Often considered a last resort when taking steps to avoid credit card fraud, reviewing your account statement line by line is also a surefire way to catch any misuse of your card before it’s too late. Simply by reporting any misuse to your card issuing bank, most liability is averted right then and there. On the other hand, choosing to just pay the bill without looking at the charges listed is a great way to be an ongoing victim of credit card fraud.

Knowing how to avoid credit card fraud is mostly accomplished by being aware of how fraudsters practice their trade, but even more so, by taking easy, basic steps to protect your identity. Don’t allow yourself to be a victim!



By: Scott Stadler

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