Beat Identity Theft: Reduce your risk and fight back

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Or you could pay someone to help you with this time-consuming task. Check with your employer to see if they offer identity theft insurance or identity theft resolution services as an employee benefit, and if not, consider paying for it. More than anything, remain calm as you sort through the fallout of this breach.

Credit Monitoring and Identity Theft Protection Guide

Focus on making a plan for protecting yourself from and responding to identity theft and making sure you only deal with trustworthy service providers. Christine DiGangi is a writer at MagnifyMoney. You can email Christine at christine magnifymoney. Louis is a personal finance writer who works with Fortune financial services firms, FinTech startups, and non-profits to help promote financial literacy. He covers a variety of personal finance topics and especially likes writing about credit and loans. Imagine getting turned down for a job or an apartment rental and having no idea why.

You call up the lender or landlord, and they tell you the worst: In , a study from the Federal Trade Commission found that about one in five people had an error on at least one of their consumer credit reports. Sometimes the errors are minor and can be disputed easily. Other cases are much more complicated. In criminal cases of identity theft — if a person has been using your identity to get medical treatment on your tab, for example — you could find yourself facing legal charges on their behalf.

There are several important consumer reports that many people may not realize exist — from your medical history report and insurance records to your bank history and tenant records. Banks, employers, landlords, insurance companies, lenders, utility companies, and other businesses purchase consumer reports to screen applicants. The information in your reports could impact their decision to offer you a loan, employment, or other type of contract.

Catch them early enough and you have you a chance to dispute any mistakes. The Consumer Financial Protection Bureau maintains a list of several dozen consumer reporting agencies along with their contact information. You may recognize the three largest consumer reporting companies, Experian, Equifax, and TransUnion. But there are also specialty agencies that collect, organize, and sell specific types of information about you, such as your history of prescription drug purchases.

While you can always request a copy of your own reports, consumer reporting agencies can only send a copy to another individual or organization under certain circumstance. Your written permission or a court order, along with a valid reason for needing a copy of the report, could satisfy that requirement. You also may be entitled to an additional free copy of a report if:. While you may be able to request a free or inexpensive copy of your consumer reports from a variety of agencies, the process could be time consuming.

Keep in mind, you might not always have a report to review. You can request a free copy of your credit report from a bureau once every 12 months on AnnualCreditReport. There are also companies that give you free access to your Experian, Equifax, or TransUnion reports throughout the year, as well as several paid options that give you access to your reports from all three bureaus. Your credit reports contain several sections, including identifying information, a record of your payments on credit accounts, credit inquiries, and public records or collections information.

Experian, Equifax, and TransUnion are the three largest nationwide credit bureaus, and your credit report from each bureau should be similar, but not necessarily the same. Checking your credit reports is an important first step because the data on the reports could be used by lenders, landlords, utilities, insurance companies, and employers. Negative marks on your report could lead to you lose an apartment or job opportunity, or result in worse loan terms or higher insurance premiums.

Fighting Identity Theft

The information on your credit reports is also what determines your credit score, which is used for many similar purposes. Credit reports contain positive information, such as on-time payments, as well as derogatory marks, including past bankruptcies, late payments, and liens.

If you find incorrect information on one of your reports, you can file a dispute online or by mail. Many banks will pull your report and consider the information when reviewing your application for a new account. Instead, they only show negative marks, such bounced checks or unpaid fees. You can request a free copy of your report online , by mail, or by fax, and file disputes online. ChexSystems also scores people based on a to scale based on the information within their report, and you can request a free copy of your score by mail or by fax.

Often, the information comes from subprime or alternative lenders, such as payday lenders, rent-to-own retailers, subprime auto lenders, and check-cashing services. MicroBilt, and its subsidiary PRBC, as well as CoreLogic Teletrack also compile credit reports using alternative lending data and use the information to create consumer credit scores. You can request a copy of your reports from CoreLogic and MicroBilt.

Insurance reports could show the types of insurance coverage you have, your claim history, and the resulting losses from a claim. Your report might have information on your driving record or your personal property insurance claims, and that data could impact your ability to get coverage and your premiums. LexisNexis Risk Solutions offers two C.

However, you can only request a free copy of your report after an adverse action has been taken against you due to information within the report. Life, health, disability, long-term care, and other health-related insurance companies may use specialty medical reports to screen applicants.

They could also be used to verify your education, professional accreditations, and previous salaries. You can request a free copy of your report, if it exists, from each company. Others use a more comprehensive tenant screening service and receive a report that could detail whether or not a person has a criminal record, is on a sex-offender or terrorist list, or has been evicted. You could request a copy of your reports, such as RealPage, Inc. There are a variety of other consumer reports you can request and review for errors.

For example, the CoreLogic Credco consumer report contains information related to properties you own and could be used by mortgage lenders or brokers. LexisNexis collects and compiles information on individuals from a variety of proprietary sources and public records. Louis DeNicola is a writer at MagnifyMoney. You can email Louis at louis magnifymoney. Molly Johnson, 56, of Minneapolis, Minn. The representative informed her that they suspected fraudulent activity on her credit card. Johnson confirmed the fraudulent charges, and Wells Fargo shut down the credit card.

Much of the time, your bank informs you of fraudulent activity before you detect it. Having a bank protect you from fraud offers a huge benefit for cardholders. But some banks, including Citigroup and MasterCard, are taking this responsibility a step further. They now offer identity theft resolution services.

What are identity theft resolution services? And how do they compare to identity theft products you can buy? We dug into the fine print to help you understand. This process involves fixing your credit report, removing bogus charges from your accounts, and recovering stolen funds. Depending on the severity of the fraud, this could involve sending letters to collection agencies that believe you owe them money or disputing debts from other services.

In a worst-case scenario , you may need to clear your name of criminal charges. Doing this on your own can be a time-consuming task. But some credit cards will help you save time by working with you as you restore your identity. Citigroup and MasterCard give their customers free access to designated specialists who give guidance and insight into resolving identity theft problems. In some cases, MasterCard will do the work for identity theft victims. Two companies promise some level of identity theft resolution assistance.

We read their service agreements to explain what they really offer. The hotline is staffed by a team of identity theft resolution specialists. Identity theft resolution specialists help customers check their credit report for fraud. They give customers advice on contacting creditors and the credit bureaus.

Specialists even help customers complete an identity theft affidavit. An identity theft affidavit is a notarized document that provides evidence that you were the victim of identity theft. Banks and creditors will use the information inside the affidavit to fix problems that arose as the result of identity theft. This level of guidance can be a tremendous help. MasterCard offers two levels of identity theft resolution: Every MasterCard holder is eligible to participate in the program. MasterCard customers who suspect they are the victim of identity theft can contact MasterCard to report an identity theft incident.

You can report incidents, even if they did not originate on your MasterCard. When you call, you will get into contact with an identity resolution specialist. The specialist will help you by providing you with an identity theft affidavit and explaining all the steps that go into unraveling identity theft. They will help you contact all three credit bureaus, so you can get a copy of your credit report.

This support matches the support that Citigroup offers. MasterCard also offers more robust resolution assistance on a limited number of co-branded credit cards. Many but not all travel rewards MasterCard credit cards have full resolution benefits. Customers with this benefit can opt to let an identity theft resolution specialist restore their identity for them. The LPOA allows the specialist to resolve identity theft problems on behalf of the customer.

This program offers enormous protection and time savings to all eligible customers. Identity theft expenses can include notary signatures, credit-freezing and credit-thawing expenses, and legal expenses. Are you eligible for this highest level of protection? Need in-depth guidance on each step? However, on October 31, Molly fell for a phishing scheme while on vacation.

A fraudster called her hotel room and claimed to be the front desk. The fraudster asked for her credit card information, and Molly gave it to them. A few minutes later Wells Fargo called her cellphone. Again, they asked Molly about some fraudulent charges, which Molly confirmed. Wells Fargo never released the funds. The fraudster moved funds between the accounts, but Wells Fargo prevented any theft.

Thankfully, Northeast Bank security measures prevented the fraudster from getting a debit card. Wells Fargo worked with Molly to move money back to the correct accounts and remove fraudulent charges. With those removed, Molly spent hours resolving the identity theft and protecting herself against future attacks.

Your credit card company might help you out if you fall victim to identity theft, but protecting your identity is your responsibility. If you register an account with Credit Sesame , the credit monitoring and financial recommendations company now provides an unconventional perk: Identity theft insurance, like the insurance offered by Credit Sesame, helps victims of fraud to recoup money they may spend to resolve the issue.

In serious cases, victims may lose wages when they take time off from work to deal with identity theft. Some victims may even have to pay for legal representation. Without insurance, it is possible — but not always the case — that victims might have to pay out of pocket to resolve cases of identity theft. We took a closer look at the policy and compared it to similar offerings from competitors. The highest potential cost associated with identity theft is the cost of legal representation.

But some attorneys can charge much more than that. Your credit card company will reimburse your for the rest.

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  4. How to Prevent Identity Theft in Your Business |

The EFTA covers you if someone steals money from your checking account. You may prefer to keep your email address to yourself rather than get blasted with emails from Credit Sesame.

If you want identity resolution services, you can get them as a free perk from several credit cards, including:. You can also compare identity theft monitoring and resolution services on the MagnifyMoney website to find a product that suits your needs.

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You cannot get free insurance unless you complete your Credit Sesame member profile. Is it safe to provide this information? Credit Sesame promises that they will not give or sell your information to third parties without your express permission. They use multifactor authentication, which makes it difficult for hackers to take your information from their website. Customers are bound to receive marketing emails from the company, encouraging you to visit the site to check your credit score.

Credit Sesame pushes their premium service offerings to existing customers. Credit Sesame , Identity Theft. But as commerce and banking continue to go online, digital security is critically important as well. The study reveals businesses reported an increase in the cost of fraud as a percentage of annual revenue for the third year in a row. On average, companies have dealt with nearly fraudulent purchase attempts each month, and over of those are successful. Increasingly, fraudulent purchases are coming from remote channels, either from mobile devices or other online methods.

Combating in-person, online, and mobile-transaction fraud can be an exhausting process, and several financial technology FinTech companies are working to help businesses outsmart thieves and win the fight. Feedzai uses machine learning and big-data analysis to help companies prevent fraud while managing payment processing, opening new customers accounts, underwriting merchant accounts, securing marketplaces, and validating customers. IdentityMind Global has a platform that payment service providers, online merchants, and financial institutions can use to identify and prevent fraudulent purchases, botnets, phishing attempts, account takeovers, and other types of attacks in real time.

The platform also offers anti-money laundering AML , know your customer KYC , and other risk management services to companies, including Bitcoin exchanges and internet lenders. InAuth is a risk management and fraud-detection and -prevention platform for the banking, payments, health care, e-commerce, and mobile commerce industries.

Available for merchants in the retail, travel, gaming, finance, telecom, and sharing economy industries, Jumio offers digital identification verification, mobile checkout, and form-filling software. Two of its three products can help prevent fraud. Netverify helps authenticate potential customers by letting them take a picture of their photo ID and use their phone or computer to scan their face.

The software verifies that the person matches the photo in the ID. The software compares the names on the ID and card, and can help prevent fraud while creating an easy checkout process for customers. Jumio also has a third service, Fastfill, which allows customers to quickly fill in their information by snapping a picture of an ID card.

The service automatically collects information about a device. They can also use iovationScore, a predictive risk score, to help them identify good and bad customers. As a result, they make a checkout experience smoother for good customers, by letting them skip a security check, for example. The scoring system uses real-time machine learning to monitor billions of transactions globally and increase its predictive capabilities.

BioCatch has created cloud-based technology that builds user profiles based on over cognitive parameters, including behavioral patterns. By learning what it looks like when fraudsters create accounts, purchase products, or browse websites, BioCatch can help detect and stop future potential frauds.

Canadian startup, Trulioo , uses data from over sources to collect and share information on over 3 billion people, making it one of the largest consumer data companies in the world. E-commerce stores can use Trulioo to verify new customers, reducing the risk of fraudulent purchases and subsequent chargebacks. Gordon is a freelance writer, Certified Financial Education Instructor, and founder of Tay Talks Money, a money management blog that helps millennials, free-spirits, and creatives master their money. We should all be a little on edge when it comes to identity theft.

Plus, scammers, hackers and thieves continue to get craftier with their approaches to stealing our information. Identity theft services seek to help us catch identity theft before it does too much damage. PrivacyGuard offers an identity theft protection product that includes credit monitoring and recovery support if your identity is stolen. PrivacyGuard has a three-part service including credit reports, credit monitoring and identity theft recovery. Credit reports and scores — You get credit reports and CreditXpert credit scores from all three bureaus monthly.

According to PrivacyGuard, CreditXpert uses common scoring methods to give you a credit score estimate. But, you can still use CreditXpert to gain a general sense of your credit score health. PrivacyGuard also has a score tracking tool that charts changes in your score monthly. Daily Credit Monitoring — Credit alerts will inform you of credit inquiries, new accounts opened, public records added, change of address requests or derogatory remarks.

Identity Theft Protection Recovery — If your identity is stolen, PrivacyGuard has fraud recovery specialists that assist you in taking back your identity. They can help with disputing accounts, contacting your creditors and other paperwork. A toll-free hotline is also available for members if you have questions about your credit report. Extra Services — Beyond the basic identity theft services PrivacyGuard reimburses for the cost of obtaining certain records including your driving history and MIB files.

An MIB file holds the medical information you provide to health insurance companies. Medical insurance fraud is another form of theft you need to watch out for. PrivacyGuard suggests you stay aware of the medical history in your file in case someone attempts to use your insurance to get free health care.

Noticeably absent from the PrivacyGuard product is an identity theft insurance policy considering the price tag. When companies offer identity theft insurance it usually covers missed wages, attorney fees and other costs you incur while taking back your identity after fraud. PrivacyGuard will help in the logistics of identity theft recovery, but you have to foot the bill out-of-pocket. PrivacyGuard is currently running a special. Ultimately, you can get credit monitoring and credit scores free on a variety of platforms including Credit Karma and Discover.

Here are two other identity theft products you may want to consider before settling with PrivacyGuard. Identity Guard will monitor your credit daily. This service provides credit score and credit report updates from all three credit bureaus quarterly. It also offers internet scans of your personal information and credit reports. PrivacyGuard helps you catch identity theft by regularly checking your credit report for account changes.

Again, this is something you can do for free at Credit Karma, Credit. Some credit card companies now offer scores and reports with products, check there first before spending your money. That said, there is one advantage of PrivacyGuard credit monitoring.

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You get access to credit reports from all three bureaus in one spot. Free sites usually give you access to reports from up to two credit bureaus. You can solve this problem by signing up for more than one free site. Credit Karma, for instance, uses TransUnion and Equifax. A product like Identity Guard will give you more for your money.

Taylor Gordon is a writer at MagnifyMoney. You can email Taylor here. Identity Theft , Review. Experian is one of three major credit bureaus that collect data to produce our credit reports and scores. ProtectMyID will monitor your Experian credit report and other sources to detect and prevent identity theft. Detection — ProtectMyID keeps its eyes peeled for any threats against your identity in a few ways.

It monitors your Experian credit report daily for the 50 top indicators of identity theft such as new loans and medical records in collections. You also get one free Experian credit report when you sign up. ProtectMyID will also monitor the national change of address database to pick up on anyone attempting to forward your mail to their own home. It performs internet scans with your accounts and Social Security number in dark places of the web where sensitive information is bought and sold.

Prevention — If you lose your wallet, an identity theft representative can assist you in cancelling and replacing your cards. You can subscribe to the ChildSecure service as well. Resolution — ProtectMyID partners you with a fraud specialist if your identity is stolen. This specialist will guide you through the necessary steps to restore your identity including contacting the police and setting up fraud alerts for your file at all three credit bureaus.

This insurance will cover costs associated with reinstating your identity and, in some cases, pay you back for unauthorized electronic transfers. It reimburses you for lost wages, travel expenses and elder or child care costs you incur while resolving identity theft.

Besides the expenses above, the identity theft insurance policy will cover the cost of re-filing loans, ordering medical records, notarizing documents, replacing your IDs and other expenses needed to restore your identity. Hiring an attorney and private investigator may be covered if you choose someone to represent you approved by ProtectMyID. In the case of unauthorized electronic transfer, the insurance policy pays out the principal amount stolen from your accounts. As mentioned, ProtectMyID offers you one free credit report from Experian in addition to regular monitoring. Identity Guard has credit monitoring, credit reports and credit scores from all three credit bureaus, if you choose one of the two premium plans.

IdentityForce offers two plans that monitor public records and the back alley internet for your personal information. A step beyond the basic service, the premium plan includes daily credit monitoring of all three credit bureaus along with credit reports and scores. ProtectMyID is competitively priced compared to other identity theft protection services and the insurance coverage is a key benefit. This is a red flag. Even ProtectMyID mentions the importance of monitoring all of your credit reports on the website facts page.

But, getting all of these reports on ProtectMyID will cost you money. Identity Guard or IdentityForce are both services that will monitor all three credit bureaus for you. Or you can use a free site like Credit Karma to monitor them on your own. Credit Karma offers free reports from Equifax and TransUnion.

ProtectMyID is not a substitute for setting alerts on your accounts for suspicious bank and credit card activity.

What is Synthetic IDentity Theft?

Identity Theft , Identity Theft Protection. Hannah Rounds Hannah Rounds is a freelance writer who covers consumer finance, investing, economics, health and fitness. People should have a plan to: Prevent identity theft from happening with a credit freeze. Detect identity theft as soon as possible, with credit monitoring and account alerts. There are both free and subscription services available. Resolve identity theft if it does happen. You can either get help or do it yourself. Prevention If someone has stolen your personal information, you will want to prevent people from being able to open new credit accounts in your name.

Here is where to go to freeze your credit: Detection Even if you freeze your credit, you should have credit monitoring in place. Here are our recommendations: Best Free 1-bureau monitoring: In This Guide What is identity theft? How does identity theft happen? How can I be protected myself? Prevention Monitoring Resolution How to determine the right products and services for your needs. What is Identity Theft? Identity theft manifests itself in two forms: Account Takeover The most common form of identity theft is an account takeover which involves another person using either your credit or debit accounts to make transactions for their benefit.

Identity Takeover A less common form of identity theft is called identity takeover. How Does Identity Theft Happen? Account Skimming- A thief steals your card ID and pin from an ATM or during a transaction, and uses it for purchases or to steal cash later on.

Stolen Cards- A thief steals your card and uses it. Phishing- A cyber criminal reaches out to unsuspecting people in the hopes of obtaining account information Online Hacking- Cyber criminals steal your account information when you are logged into an account on an unsecure wireless connection. Unauthorized use- A friend or family member uses your card or your ATM Pin to make purchases without your knowledge or consent.

Stolen tax documents- Thieves steal tax documents that include SSN, employment information and more from your mail, trash or digital locations. Documents in your trash- Thieves steal documents with personally identifiable information from your trash or recycling bin. Data Breaches- Your personal information gets stolen from a large corporate database. Phishing- A cyber criminal reaches out to unsuspecting people in the hopes of obtaining personal and financial information Online Hacking- Cyber criminals steal your personal information when you are not on a secure wireless internet connection.

Unauthorized use- A friend or family member uses your personally identifying information such as SSN, address, and more for personal gain. How Can I Protect Myself? Proactively preventing identity theft Monitoring your identity for fraud Limiting the cost of resolution Restoring your identity You can learn more about the free and paid options for each of these categories below: Unfortunately, no company can completely prevent others from taking over your accounts. As long as you have digital accounts you will retain some level of risk. This will reduce your risk of being individually targeted for identity theft.

Some companies can help you reduce your risk of identity takeover by adding additional security against hackers and cyber criminals. The premier advertiser of identity theft protection services was LifeLock who has been sued repeatedly for falsely advertising their ability to completely prevent identity theft. Since then, LifeLock has turned more towards advertising protection through monitoring. Zander will not pay out any benefit if the unauthorized transfer was made by a person using your card and your PIN if you gave them access to that information in the past.

Their insurance does not cover recovery of unauthorized electronic funds. Online customer reviews showed overwhelmingly positive support. The experts take on much of the burden of contacting creditors and filing paperwork. However, online reviews for PrivacyGuard showed overwhelmingly negative experiences including billing problems and poor customer service.

However, some of the resolution burden continues to rest with the consumer. They assign a US based case worker directly to your case and promise to do all the heavy lifting associated with restoring your identity. They are not rated by the Better Business Bureau, but they have very positive online reviews.

Use ChexSystems to check for accurate checking and savings information once per year. Use CreditKarma to access two of three credit bureau reports on a weekly basis. Fraud costs consumers almost half a billion dollars annually. Even if the theft is discovered, consumers may continue to experience negative effects, such as increased insurance or credit card fees, higher interest rates, and persistent collection agencies that refuse to clear false records.

Furthermore, the emotional and psychological impact suffered by identity theft victims cannot be understated. They must struggle for months or even years to restore their good name. Get Your Free Credit Report. Check your credit card for fraudulent accounts. If you suspect identity theft, you are eligible for additional free reports. Limit exposure of your Social Security number by giving it only when it is absolutely necessary.

Look in your wallet-- see if it is printed on any identifying cards. Get those cards changed, especially your drivers' license if it still has a Social Security Number on it. Do not ask your financial institutions to print your SSN or drivers' license number on your personal checks. Saving time at checkout isn't worth the increased risk of id theft. In fact, why print any details on your checks? If a business requests your SSN for check cashing purposes, ask to use another type of identifying information.

Urge universities and other schools, employers, health clubs, video clubs and other organizations not to use Social Security Numbers on your ID or membership cards. If they do, ask to use an alternate identifier. After all, the credit bureaus already have it and are using it to verify your identity.

Obtaining your credit report or opting out of credit and insurance offers are two ways to increase your privacy. The FTC is currently considering improving opt-out notices. According to a report by the credit bureau Trans Union, theft of business records is the number one source of identity theft. The FTC reports that 90 percent of business record theft involves stealing payroll or employment records. Employees should ask what policies are in place to protect their personal information.

In recent years, identity thieves have been using the Internet to perpetrate their crimes. There are several steps you can take to protect yourself. First, do not download or open files from strangers; opening a file could expose your computer system to a virus that allows strangers to access your personal information. Finally, if you are making purchases online, use a credit card, not a debit card. Credit cards provide more consumer protection and less liability in the event of theft. Remember that phishing scams are extremely sophisticated.

Read Website Privacy Policies: Is it for a purpose other than that for which it was provided? A debit card is an enhanced ATM card. When you use it without a PIN, you run a greater risk of fraud. Remember, debit card fraud, even if ultimately reimbursed by your bank, often involves the thief vacuuming out your bank account and sometimes your attached overdraft line of credit. So, even if your bank makes good, you will face hassles, such as other checks bouncing. PIRG strongly recommends using credit cards, not debit cards, in Internet transactions.

Your legal rights when you use a debit card are less. Although PIRG believes all plastic cards should give you the same rights debit rights should be upgraded , that is not the case in law. Although debit cards may be more convenient than other types of payment, consumers should be cautious when using them.

Debit cards are legally riskier than traditional ATM cards or credit cards.

Banks may claim to give equal rights to debit cards, but that is by contract and policy, not by law. Visa and Mastercard claim to require that their card-issuing banks offer greater debit card protection in SOME circumstances, but remember, even if they honor their promise, you are still going to face the hassle of getting your own money back after your checking account is vacuumed out.

It is best not to use a debit card at all. You can tell your bank not to issue a debit card for your account. If you do use a debit card, make sure you always keep it in your possession. If your ATM or debit card has been stolen or misused, report it immediately to your bank branch and request a fraud affidavit. Obtain a new card, account number, and password. Since these blocks are generally larger than the actual transaction, consumers may bounce checks inadvertently.

The transaction may not clear for several days-- it is not instantaneous. Hotels may block for several extra days, plus estimated use of the "mini-bar" and telephone, and don't unblock until after you settle up. These blocks are not adequately disclosed nor are they removed promptly, and some banks will bounce other checks and transactions against blocked funds. Keep a list of your credit card and bank accounts in a secure place that can be easily accessed in case you are a victim of theft. Include account numbers, expiration dates, and telephone numbers of customer service and fraud departments.

Do not carry this list in your wallet, and if you store it on a handheld computer, make sure the information is encrypted.

Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back
Beat Identity Theft: Reduce your risk and fight back Beat Identity Theft: Reduce your risk and fight back

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