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The internet is one of the most useful tools ever invented. It allows people to communicate at a very fast and very cheap rate. The internet has allowed people to travel the world through electronic networks and communication satellites. It has made the world a smaller place.

The internet also allowed people to start new businesses, and it also allowed easier ways of living. Besides, by using the internet, you can now go shopping or purchase your groceries. This is why more and more people are now using the internet to conduct transactions. Not only that the internet provides a very cheap form of communication, but it can also be used to transact businesses.

However, the internet also has its dark side. This is the side where you can find hackers, computer viruses, spyware, adware, and other malicious software that can invade your computer.

Computer viruses and other malicious software are designed to destroy your computer files. Other kinds of software will hide itself in your computer and spy on the activities you use your computer. It can even record every bit of detail, such as every key you press on your keyboard and every click of your mouse and send it to the person who designed the program.

The keys you type could be anything. It can be your short story novel, it can be your school project, it can be your take home work, or it can be your credit card numbers, passwords and other financial information you typed to purchase products over the internet. This information can be used by someone to steal from you. They can use this to commit identity theft.

With this information, they can clean out your bank account and will cause you to lose a lot of money.

All of these can be acquired through the use of the internet. So, you now ask how you can prevent this from happening to you. You can always consider that you should stop using the internet to make purchases but this can prove to be very inconvenient. So, the best thing you should do is install programs that can prevent these malicious softwares from entering or invading your computer.

Internet security programs are getting more and more popular each day because of the growing threat of malicious softwares circulating the internet on a daily basis. However, because of the different kinds of internet security software available, people get confused on which one to purchase and use.

One of the best internet security software available is the Verizon Internet Security Suite. This software will help keep your PC, financial and personal information, and your family safe from threats existing in the internet today. This internet security software will be able to protect you, your personal computer, and your family from viruses, spyware, and other forms of attacks in the internet.

Verizon Internet Security Suite is one of the most popular internet security software existing today. It has features that will sufficiently and effectively prevent any malicious software and other attacks from the internet from entering your computer.

Verizon Internet Security Suite has all sorts of protection that can effectively protect your computer from being attacked. Here are the features integrated in the Verizon Internet Security Suite:

• Antivirus

• Firewall

• Parental Control

• Spyware Protection

With these key features, you know that with Verizon Internet Security Suite, your computer, yourself and your family is protected from internet attacks.

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Identity theft is one of those crimes that most people have heard of, but not everyone understands how it occurs. The act of committing this malicious crime may be simple or complex, and can bring great financial pain to its victim. Don’t let that victim be you.

Identity theft occurs when a person uses another person’s identity as well as personal financial information as their own. Purchases are typically made using the identity of the victim, with the intent to leave the victim responsible for the bill. This crime is done without the knowledge of the victim. When the victim finally becomes aware of the crime, the criminal has disappeared into oblivion, leaving behind a victim with ruined credit, a mountain of debt, and a tainted reputation. Not a pretty situation to be in.

In extreme cases, the implications of identity theft can result in the wrongful arrest of the victim. On the face of the evidence, it is easy for the police investigator to assume that the victim made multiple expensive purchases having absolutely no intention of ever paying. Criminals who engage in identity theft are clever and know the credit card system intimately. They know ways of charging far more than a credit limit on a single card. Without actual proof that identity theft has occurred, it can be assumed that the victim is guilty of the crimes committed under his name. Identity theft is a serious crime, and victims can suffer the implications and consequences of the crime for years to come.

Identity theft takes many different forms. Some cases involve a thief repeatedly withdrawing large sums of cash from another person’s bank account, until the account balance is nil. Other cases may involve the thief assuming another person’s name and using their personal information to obtain a loan.

Armed with the victim’s personal data, an identity thief can obtain a driver’s license, open new lines of credit and bank accounts, and even buy a car and get a mortgage. All paperwork, bills and financial statements from these transactions are sent to the thief’s temporary address, so the victim initially does not know that a crime has been committed in his name. Once the plan has been activated, the thief uses the victim’s credit line for all it is worth in the form of cash advances, loans and credit card debt without the intent to pay. All of these crimes occur with the thief hidden in a shroud of anonymity. Who is the criminal? All merchants assume he who he represents himself to be, but he is representing himself to be the victim. The actual identity of the criminal isn’t revealed. When the debts come to light, the victim is left holding the bag of bills and the thief has long since disappeared into complete anonymity. It can take years to recover, both financially and emotionally, from identity theft.

Here are some warning signs that you may have fallen victim to identity theft:

You are billed for a credit card that you did not open, although wiser criminals will not have the bill sent to you. There are unauthorized notice charges on your credit card statement. Bills or credit statements fail to arrive when you expect them. This can indicate that the address has been changed without your knowledge. The criminal does not want you to be aware while he is in the process of using your accounts, so he has the statements sent somewhere else, by going through the proper change of address procedures. Unauthorized transfers or withdrawals show on your bank statements. This is a huge red flag and should be investigated immediately. Collection agencies call about accounts you never opened. Again, this does not usually happen until after the criminal has disappeared and/or moved on to victimize another person. You receive calls or notices about merchandise you did not buy. Debts appear on your credit reports that you did not file. This is significant. Even though the criminal might have your statements mailed to a different location, you know your personal information and can check your credit report at any time. The criminal has no way to stop you from doing this.

AS you might imagine, identity theft is a nightmare come to life for the millions of people who have fallen victim to this horrendous crime. Sadly, despite stricter financial transaction processes, higher public awareness of the crime, and the imposition of state and federal laws, the number of identity theft victims continues to rise each year.

In the United States and Canada, many people have reported unauthorized persons withdrawing funds from their personal bank or financial accounts. More serious cases have seen victims reporting a thief who has totally taken over their identities. In these cases, thieves have run up huge debts and committed crimes, all under the name of the victim.

The United States Congress created a new federal law against identity theft in 1998. In spite of the tough laws now on the books, identity theft is more prevalent than ever. Once you have fallen victim, it is obviously too late to prevent the crime from being committed against you. In this instance, grandma was right: an ounce of prevention is worth a pound of cure. And that is an understatement.

Here are some steps to help you avoid being a victim of identity theft.

1. Shred any documents with personal information on them. Thieves are known to dig through household trash to find this information. Shred it to foil their attempts.

2. Be vary careful about giving out your social security number. Guard it like you would guard your life, because in a sense, you are guarding your financial life. Only give it out when absolutely necessary, and only to parties that are entirely trustworthy.

3. Be careful about storing personal financial data on your computer and sending it over the internet. Use passwords that do not make any sense. Most people use their birthdays, names of children, or other easy-to-guess types of passwords. Don’t make it easy for a criminal to get into your account info electronically.

4. Never place your tax return in your mailbox, stamped, with the flag up to let the postman know to pick up mail! Criminals are known to drive around neighborhoods during tax season looking for flags. Your tax return contains vital financial information. Always bring it to the post office to mail it.

5. Check your credit report regularly. Sign up for a plan if necessary. However, make sure that your inquiries will not be counted against your credit score. Too many inquiries in a short period will negatively affect your score, so make certain that your own inquiries to verify the safety of your file will not be counted against you.

Our personal records are stored in many different places in today’s world. Banks, hospitals, employers, government agencies, brokerage accounts, etc. all have our vital financial information within their records. Put into practice these five steps above, and only give your information to companies that you fully trust. By doing so, you’ll greatly decrease the odds that you’ll fall victim to identity theft.

In a 2004 study, the Ways and Means Committee of the U.S. House of Representatives reported that, in 2003 alone, almost 10 million Americans had become victims of identity theft. The crime cost consumers about $5 billion out-of-pocket and costs American business around $50 billion. As increasing news reports indicate, identity theft is the crime of the era. It’s increasing rapidly. Unfortunately, it’s also a difficult crime to catch and prosecute.

In 2003, victims of identity theft spent anywhere from $500 to $1200 and from 30 to 60 hours of their personal time trying to resolve the financial problems created by identity theft. Further, the crime itself occurred over a three- to six-month period in each known case.

We all hope we never become victims of identity theft. For one thing, you usually don’t learn you’re a victim until some debt collector calls you about a bill or a loan application is denied because of your poor credit history or low credit score. This news comes as a shocking surprise to most victims of identity theft, and the personal agony of financial loss and effort needed to resolve the problem take a huge toll. Identity theft victims often report they feel as violated as they would if they had been mugged or their house had been burglarized.

Today, prevention and early detection are best solutions to the identity theft problem. These criminals have a variety of ways to get your personal financial information. They may steal it from your garbage in the form of old bills or pre-approved credit offers. They may trick you on the phone or by e-mail into giving out your personal information. Someone you know and trust may have access to your personal information. Or perhaps someone with good eyesight is standing behind you, watching you enter your PIN at the ATM machine or grocery counter. These things are within your control, but there are other tactics outside your control. Identity thieves also trick the information out of banks and businesses, claiming they are research for a non-existent company or using false identities to secure the information. Hackers may sneak into the databases of large companies and download the information they keep for their clientele.

Once they have your personal information, they can submit false address change reports to your bank or creditors. They can apply for mortgages or loans or make purchases against your credit cards. You won’t know about it until the *#(& hits the fan, and your credit history is ruined.

1. How Can I Tell if Someone is using my Personal Financial Information Illegally?

So how do you know that an identity thief may be targeting your personal information? What are the signs to look for? And what do you do if you think you are a victim of identity theft? Here are a few of the things you can watch for to protect your personal financial information and your identity:

1. Order a credit report, at the very least, once a year. If a close review of your credit report reveals accounts you’ve never heard of or loans you did not make, you may be a victim. The report could also contain inquiries about your credit from merchants and vendors you didn’t apply to. These are all important red flags, and you should follow-up on the information immediately.

2. You receive a bill or statement from a company you didn’t open an account with.

3. You notice unauthorized or incorrect changes on your credit card or bank statement.

4. You get calls from business owners or debt collectors who claim you have a bill that is overdue for a product or service you never ordered or received.

5. You are denied approval of a loan or credit card application, even when you know your credit is good.

If you’ve noticed any of these warning signs, follow up immediately by contacting the credit card company, bank, or credit report agency with questions. Don’t accept inadequate answers to your questions. And continue to follow-up until all your questions have been answered and your credit account or report is accurate and up-to-date.

If you find you can’t resolve issues easily, you may be an identity theft victim already. Report this problem to law enforcement authorities immediately. Contact your bank, your creditors, and the credit report agencies to let them know the problem is occurring and ask them to freeze your accounts. Add special passwords that anyone inquiring about our using your accounts must know to get a transaction approved. Do what you can to find out what the identity thief has done. For example, where have they opened accounts or where have the applied for loans. Can you find another address associated with your name that is not familiar to you? If you identify the identity thief, do not contact them directly. Rather provide that information to law enforcement.

2. What Can I do to Prevent Identity Theft Before it Happens?

To avoid becoming a victim of identity theft, follow these guidelines:

1. Keep a very close eye on your credit card activities. Check statements closely as soon as you receive them, and confirm that you made or approved all of the purchases. If there are questionable charges on your statement, contact the company immediately to find out when and where the purchase was made and to formally dispute the charge. You might be surprised to know how many people fail to review their statements carefully each month. Failure to attend to your accounts could leave you thousands, even hundreds of thousands, in debt with no products or services to show for it.

2. Request credit report updates at least twice a year. Look for a lower-than-expected credit score, unfamiliar accounts, or credit inquries from companies you don’t do business with.

3. Be careful to protect your personal financial papers. Keep them in a secure location, preferably under lock and key. And don’t allow other people to access them without your express permission.

4. Be alert when you’re writing checks or using your ATM card. Is there anyone near enough who could read and steal personal information or your PIN number? Becareful to protect these items from view.

5. Deliver your bill payments directly to the post office, and don’t let your mail sit in your mail box too long. This is an open invitation to the ever-vigilant identity thief.

6. Use unexpected and unique passwords on all your internet accouts, mixing letters with numbers and symbols. And change your passwords at least every six months.

Keep up on the news about new identity theft strategies and scams. Read the paper and surf the internet to find out who’s doing what these days. Make sure you know what your creditors do with their customers’ personal information and demand they protect it.

Avoid becoming a victim of identity theft by applying common sense and careful thought to your everyday transactions. Question people who ask for inappropriate information and feel empowered to refuse to answer. Remember that you may not know your co-workers and acquaintances very well. Do not share your information with anyone you don’t trust 100%.