Legal Base article

Online banks have insurance services that protect online operations against a number of threats, the biggest problem in these cases being the identity theft. Several years ago few insurance companies provided a single identity theft insurance policy. Nowadays clients can use a wide range of security measures like credit monitoring, fraud alert services and even home shredding. There are companies providing you with all you need, and the client can do some of the protection himself by tracking down a list of phone numbers, filling some forms or destroying documents before throwing them at the trash can. For a small extra fee you can use protection software (Privacy Guard, for example) which can provide you with access to your credit history reports and you can check them for accuracy instantly.

The software has other features as well. The daily monitoring feature looks for changes to your credit file in order to find identity theft and alerts you if someone is trying to open an account in your name or produces changes in your credit score. In this case it provides you with a form to request changes at the credit bureaus. Later you will receive a new credit report to see if the errors have been corrected. You can also look for who has been adding information to your report and who can access your credit history. Information provided by the software can later be used as evidence in a court of law, as well as restoring your good name. The user also gets an insurance of his accounts, the insurance benefits being provided by an insurance company.

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Do you consider your typical day to be full of important financial transactions? Are you amazed by the “hype” surrounding the endless discussions on identity theft? Then, if so, you need to wisen up to this important crime and begin to understand the importance of the financial transactions you rely on every day of the week.

It’s 8am. Time for work and you drive to the nearest gas station to fill up. Out comes your charge card. Stopping at the nearby restaurant (you also stop there with friends for lunch) you purchase a hearty meal paid for by check. As the day wears on you purchase a newspaper, some candy and a few cups of coffee from the office vending machine (it is then that you realise that you need extra cash from the local ATM).

As you arrive home, your spouse presents you with your almost-overdue tax bill that requires immediate payment and as you glance at your bank statement you check to make sure your monthly mortgage has been paid. And, yes, the insurance for the house and car have been taken care of as well. Feeling in need of a pick-me-up, you book tickets for an expensive show that evening and for the fancy restaurant afterwards – both paid for with your charge card. With that all done, you give your son some money for new training shoes and later that evening pay your babysitter for her good work.

Now, consider that your identity has been stolen. And, let’s assume the worst has happened. There would be no car to fill up with non-existent gas. No expensive snacks or lunches, restaurants or theatres. The new training shoes would have to wait (better to buy used?) and that tax bill would require some further negotiations. The mortgage and insurance policies would need to be cancelled or modified and while you are in postponement mood, tell your spouse and family that all birthdays, Christmases, holidays and special treats would have to be severely curtailed until your “unexpected” debts are cleared.

Oh, there will be no need for the babysitter …

For further information and resources on identity theft, internet crime and online security visit the newidentitytheft.com New Identity Theft website operated by Eric Hartwell.

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