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Article Excerpt:
How can someone steal your identity? By
co-opting your name, Social Security number, credit card number, or some
other piece of your personal information for their own use. In short,
identity theft occurs when someone appropriates your personal
information without your knowledge to commit fraud or theft.
Here are some ways that identity thieves
work:
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They
open a new credit card account, using your name, date of
birth, and Social Security number. When they use the credit
card and don’t pay the bills, the delinquent account is
reported on your credit report. |
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They
call your credit card issuer and, pretending to be you, change
the mailing address on your credit card account. Then, your
imposter runs up charges on your account. Because your bills
are being sent to the new address, you may not immediately
realize there's a problem. |
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They
establish cellular phone service in your name. |
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They
open a bank account in your name and write bad checks on that
account. |
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