Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation — and can take time, money, and patience to resolve.
The following are five common areas of identity theft you need to be aware of and not to become a statistic:
- Drivers License
- Social Security
DRIVERS LICENSE: Thieves acquire a driver’s license in your name or claim to be you.
- You could receive DWI, DUI, and other driving-related charges.
- Your driving privileges could be suspended or revoked.
- You could be arrested during a routine traffic stop for crimes you did not commit.
SOCIAL SECURITY: Thieves use your SSN Identity to gain employment or to report income.
- Thieves take the income, but don’t pay the taxes, leaving you with the bill.
- Criminals use your SSN for employment, medical, financial, criminal, school, and other purposes.
MEDICAL: Thieves use your information for insurance benefits, Rx, Medicare, or medical tests
- Your rates could go up or your coverage could be cancelled or used up.
- You could owe thousands of dollars for a procedure you never had.
- You could be unable to obtain medical or life insurance, or other coverage.
CRIMINAL: Thieves mask their criminal activity behind your identity
- You could be arrested.
- You could be denied employment because of fraudulent criminal records.
- Security checkpoints at airports could become a nightmare for you.
- You could be denied a passport and be barred from leaving the country.
FINANCIAL: Thieves open new accounts or to gain access to existing accounts in your name.
- Thieves rob your accounts.
- They rack up outrageous charges on credit cards, take out new loans, and more.
- They destroy your credit, forcing you to pay higher rates.
- You can absolutely be held responsible for the debts incurred by the thieves in your name.
Arm yourself and your family, as identity theft affects millions of Americans each year. LegalShield offers two high quality identity theft plans.
LegalShield Identity Theft Plan provides standard identity monitoring and the Identity Theft Premium Plan has more comprehensive monitoring.
Best of all, both services provide Comprehensive Identity Restoration from Kroll. So in the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred.
To ensure you have the best coverage possible, the LegalShield plan includes you and your spouse and includes you, your spouse and up to 8 dependent children under the age of 18.
If you have any questions, please contact me.
Delroy A. Whyte-Hall
Office – (240) 347-6385
Cell – (240) 707-0769