How Does Id Resolve Comepare To Other Services

Financial identity theft

Your financial information tin be stolen in many ways. Directly, thieves tin gain access to your bank account numbers or debit card information, and then drain your accounts or brand fraudulent purchases. Indirectly, using your Social Security number, thieves can open up credit cards or take out loans, potentially ruining your credit score.

A thief might utilize your trash to get your Social Security number from a sensitive document and then open up a new business relationship with that information. Sometimes thieves working in restaurants will write down your credit or debit menu number and apply it to make online purchases.

Most vulnerable: Everyone, but particularly people who do not secure their fiscal and personal information. If you lot're unfamiliar with online shopping applied science, you lot are specially at risk, as this is a common way for a criminal to go your financial information.

Insurance identity theft

Insurance identity theft is when someone uses your insurance information to file a fraudulent claim. This can be a medical claim, but near normally this occurs with domicile or automobile insurance.

The thief may obtain your information and use it to file a claim of damage on your home, only have the payment re-routed to a dissimilar depository financial institution account. Or, they might actually accept damage of their ain, but they don't want the liability attached to their policy.

Most vulnerable: People who merely survived a natural disaster. After a major hurricane, wildfire or earthquake, the risk of insurance identity theft increases, because adjusters are bombarded with claims, and they may be besides distracted to double check your information is going to the right place.

Medical identity theft

A thief tin use your information to get medical care, including having surgery, seeing a doctor or getting prescriptions they otherwise would not be able to beget. Medical identity theft can as well apply to medical insurance identity theft, as the two ofttimes get hand in hand.

A savvy thief might even impersonate a doc to get access to your data. Then, using your Social Security number or other information, they can make an engagement in your name, and the charges will exist reflected on your accounts and records.

Most vulnerable: People who see several doctors, especially the elderly, and people who practise not have a good understanding of the medical industry.

Criminal identity theft

This occurs when someone uses your identity in lieu of their own after they have committed a offense. Y'all tin go saddled with their courtroom dates, hearings and record, while the real criminal avoids their consequences.

When someone is stopped past a law enforcement officer, they might try to pass off your information as their ain to avoid arrest. If they are successful, you could wind up with criminal charges on your tape or a warrant for your abort, even though you lot haven't done anything wrong.

Almost vulnerable: Someone who has lost their identification.

Commuter'southward license identity theft

Commuter's license identity theft occurs when someone else takes possession of your driver'southward license, either by stealing it or past finding it when information technology is lost, and uses it. This can atomic number 82 to points on a driving record, a criminal record and other frustrating issues.

Often, this type of theft results in the license existence sold, either to a minor looking to buy alcohol or to a person who needs an ID to work. Thieves might also use the license in traffic stops to avoid a DUI or reckless driving, for example.

Most vulnerable: Someone who has had their wallet or handbag stolen.

Synthetic identity theft

Constructed identity theft typically occurs when a criminal combines real data with imitation or stolen information. By combining your Social Security number with another proper noun or address, a criminal can arts and crafts an entirely new identity that is hard for police enforcement—and yous—to rail.

Social Security numbers are often compromised in information breaches, and sometimes criminals rummage through trash for unshredded documents with sensitive data to exploit. A criminal could open new banking company accounts, file taxes and even receive medical intendance with your Social Security number. They can likewise use the new identity when committing crimes, which makes them harder to trace.

Most vulnerable: Anyone with a Social Security number. Someone whose data was compromised in a information breach.

Child identity theft

The fastest growing type of identity theft, kid identity theft happens when thieves target the sensitive information of children. It'south pop because it takes longer for someone to notice the theft of a child'south identity than an developed's identity.

Someone shut to the child, even a family member, md or instructor, might take or lose a child'south information, or a parent might put the information at risk in the same mode they put their own. A thief tin can have the Social Security number and name then create an entire credit history from scratch.

Near vulnerable: Children and adolescents, especially those in low-income communities.