{"product_id":"2940014344647","title":"Introduction to Identity Theft","description":"Table of Contents:\u003cbr\u003e\u003cbr\u003eINTRODUCTION...4\u003cbr\u003eCHAPTER 1: WHAT IS IDENTITY THEFT?...5\u003cbr\u003eTYPES OF IDENTITY THEFT...6\u003cbr\u003eIT CAN AFFECT ANYONE...7\u003cbr\u003eNOT AS DIFFICULT AS YOU THINK...9\u003cbr\u003eCHAPTER 2: METHODS OF IDENTITY THEFT...10\u003cbr\u003eDUMPSTER DIVING...11\u003cbr\u003eMAIL STEALING...13\u003cbr\u003eSHOULDER SURFING...14\u003cbr\u003eATM SKIMMING...15\u003cbr\u003eCHECK FRAUD...17\u003cbr\u003eTELEPHONE SERVICE FRAUD...18\u003cbr\u003eTELEPHONE SCAMS...19\u003cbr\u003eCREDIT CARD THEFT...20\u003cbr\u003ePHISHING...21\u003cbr\u003eCHAPTER 3: PREVENTING IDENTITY THEFT...24\u003cbr\u003ePROTECTING YOUR MAIL...25\u003cbr\u003eMORE KEY TIPS...26\u003cbr\u003ePROTECT YOUR PERSONAL INFORMATION...29\u003cbr\u003eAVOIDING A PHISHING SCAM...30\u003cbr\u003eADDITIONAL PREVENTATIVE MEASURES...32 \u003cbr\u003eCHAPTER 4: WHAT TO DO WHEN ID THEFT OCCURS...35\u003cbr\u003eSTEPS TO TAKE IN RECOVERING YOUR IDENTITY AND LINE OF CREDIT...39\u003cbr\u003eCHAPTER 5: YOUR LIABILITY AS THE VICTIM OF ID THEFT...42\u003cbr\u003eACTUAL IDENTITY THEFT VICTIM CASES...43\u003cbr\u003eHOW WILL YOU BE AFFECTED?...47\u003cbr\u003eCREDIT CARD LIABILITY...48\u003cbr\u003eATM AND DEBIT CARD LIABILITY...49\u003cbr\u003eCHECK LIABILITY...51\u003cbr\u003eIT’S YOUR RESPONSIBILITY...51\u003cbr\u003eLIABILITY AGREEMENTS...52\u003cbr\u003eCONCLUSION...54\u003cbr\u003eRESOURCES...59\u003cbr\u003eREFERENCES...61\u003cbr\u003e\u003cbr\u003eINTRODUCTION\u003cbr\u003eThe day begins just like any other one normally would.\u003cbr\u003eYou’re on your way to work in the morning and realize you\u003cbr\u003eneed to make a quick pit stop at the gas station before you\u003cbr\u003erun out of fuel completely. You fill up the tank and grab a\u003cbr\u003ecoffee and newspaper once inside the store. You offer the\u003cbr\u003ecashier your credit card and are stunned when she tells you\u003cbr\u003ethat it has been rejected. As the wave of embarrassment\u003cbr\u003erushes over you, you fumble around in your pockets for\u003cbr\u003eenough cash to cover the entire bill. On the way out you\u003cbr\u003estop at the ATM to replace the money you had in your\u003cbr\u003epocket and to your horror the screen tells you that your\u003cbr\u003eaccount has insufficient funds. Panicked now, you arrive at\u003cbr\u003ethe office and immediately check your online credit card and\u003cbr\u003ebank statements. Your checking account is in overdraft\u003cbr\u003ewhich means there must be some kind of mistake as you\u003cbr\u003eknow there was enough in there for the next mortgage\u003cbr\u003epayment and then some. Your credit card statement shows\u003cbr\u003e5\u003cbr\u003ethousands upon thousands of dollars worth of purchases\u003cbr\u003eover the last two weeks that you know you didn’t make.\u003cbr\u003eWhen you finally call the bank to find out what’s going on\u003cbr\u003ethey pass you over to a supervisor who tells you that the\u003cbr\u003eloan you recently applied for has been denied. Because\u003cbr\u003eyou’ve applied for credit at a number of other places within\u003cbr\u003ethe last month they aren’t comfortable in extending a loan\u003cbr\u003eto you based on your current debt load.\u003cbr\u003eWith your head spinning and thoughts coming at you a\u003cbr\u003emillion a minute you finally realize…you have just become\u003cbr\u003ethe latest victim of Identity Theft.\u003cbr\u003eCHAPTER 1: WHAT IS IDENTITY THEFT?\u003cbr\u003eAs the quickest growing crime in America, identity theft\u003cbr\u003eaffects approximately 7 –10 million people every single year.\u003cbr\u003eSimply put, identity theft is the act of using someone else’s\u003cbr\u003epersonal information, or their actual identity for personal\u003cbr\u003e6\u003cbr\u003egain. Frighteningly it happens without you even knowing it\u003cbr\u003eand once you have become aware of it, in most cases the\u003cbr\u003edamage has already been done.\u003cbr\u003eTypes of Identity Theft\u003cbr\u003eAlthough there are many different methods that one can\u003cbr\u003eutilize to rip someone off in an identity theft type scam,\u003cbr\u003ethere are really only two basic types of actual identity theft.\u003cbr\u003eThe first of these is generally the easiest and most basic way\u003cbr\u003efor thieves to achieve their objective. An example of\u003cbr\u003eAccount takeover is when a thief gets hold of your actual\u003cbr\u003ephysical credit card, or perhaps just the card number and\u003cbr\u003eexpiry date, using it to purchase services or products. This\u003cbr\u003eworks out extremely well for the thief, as the credit card\u003cbr\u003eowner doesn’t usually notice the additional purchases until\u003cbr\u003ethey either receive their monthly statement in the mail or\u003cbr\u003ehave attempted to use the card and found that it has\u003cbr\u003ereached the maximum limit allowed.\u003cbr\u003e7\u003cbr\u003eThe second type of identity theft is called Application\u003cbr\u003efraud, or what is otherwise known as “true name fraud”. In\u003cbr\u003eorder for a thief to be successful at application fraud, they\u003cbr\u003emust have access to a good deal of your personal\u003cbr\u003einformation such as your Social Security Number (SSN), full\u003cbr\u003ename, address, place of work, salary, driver’s license\u003cbr\u003enumber, date of birth etc. Of course not all of these pieces\u003cbr\u003eof information would be necessary for a thief to get away\u003cbr\u003ewith application fraud but certainly a combination of some of\u003cbr\u003ethe above would be required.\u003cbr\u003eIt Can Affect Anyone\u003cbr\u003eLike many, you may assume that identity theft only happens\u003cbr\u003eto those people who might be a bit more careless when it\u003cbr\u003ecomes to safeguarding personal in","brand":"All classic book warehouse","offers":[{"title":"Default Title","offer_id":47080172421360,"sku":"2940014344647","price":0.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940014344647_p0.jpg?v=1763606605","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940014344647","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}