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Why ID Alarm®

How ID Alarm® Works

Security

There are lots of ways for thieves to get your personal information. They then use it to commit fraud, theft or crimes in your name.

Due to recent advances in telecommunications, personal computing and the Internet, it's easier than ever for companies and consumers to connect with each other. Unfortunately, these advances have also made it much easier for criminals to access personal information. Simply put, the more places that have your personal information, the greater the danger that identity thieves will find a way to get it.

Once they have your ID, especially Government-issued ID numbers, they can use these stolen identities to impersonate you, invading your privacy and creating havoc in your personal, professional and financial life. Worse still, even after you've invested hundreds of hours trying to clean up the mess created by identity theft, it can still come back to haunt you months or even years later. As a result, you may have difficulty getting a mortgage, job, insurance or any form of credit.

If your ID was used to commit a crime, you may even end up with a criminal record. More critically, if your ID was used to obtain healthcare services, you could have someone else's medical information on your records – potentially putting both your health and your life at risk.

How do identity thieves get personal information?

Here are just some of the ways identity thieves can get your personal information:

Retrieving bank and credit card statements, tax information, pay stubs, etc. from your trash or stealing the unshredded paper of businesses (called "dumpster diving")

Security breaches at companies or organizations that don't encrypt personal data

Removing mail from your mailbox or having it redirected to another address

Physically stealing personal information from your home, wallet, purse, vehicle or office

Covertly extracting it from your computer, email messages and websites you've visited

Illegally tampering with automated banking machines and point of sale terminals so they gain access to your debit or credit card number and Personal Identification Number

"Shoulder surfing" at ATM machines and phone booths in order to capture PIN numbers.

Buying it from dishonest employees who have access to personal information

Accessing your credit report fraudulently, by posing as an employer, lender or landlord

"Hacking" information from legitimate businesses and websites

Personal information you have inadvertently divulged (e.g. misdirected emails and faxes, giving your Social Insurance Number or Social Security Number out over the telephone)

Phishing: for example, emails that appear to be from your bank, asking to confirm account information.

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