Hey, you! Yeah, I’m talking to
you! The guy sitting there in Starbucks
checking his bank balance on his iPad.
Or the nice old lady waiting for her social security check to be
delivered to her mailbox. Or even the family
who doesn’t shred their junk mail before tossing it out. I’m going to let you in on a little secret –
I’m going to steal your identity and then steal a lot of your money, and there
are so many ways I can do it you’d be amazed.
In fact, me and my fellow identity theft friends steal about a gazillion dollars each year, and it’s getting easier – not harder – thanks to
technology. I’m feeling generous today so I’m going to share my secrets with you
(and chances are you still won’t protect yourself.) Game on!
1. Simple theft.
I can steal your identity
the old fashioned way by simply burglarizing your documents. I see opportunities everywhere - I can slip an arm through a car window when
you leave it down on a hot day, check to see if your doors are unlocked, sneak
into your house, or even grab your computer when you go to the bathroom at
Starbucks. Don’t get next to me on a
crowded bus or street corner, because I’ll pickpocket your wallet without you
feeling a thing!
2. Employer information.
Your employer has so much of
your data and is SO careless with it. I
can easily steal files, flash drives, and other records to get your social security
number, address, work history, medical information, other valuable data. I don’t have to break in to do this – I can
hack into your employer’s electronic files or even bribe the disgruntled
janitor to let me in.
3. Change of address.
One of my favorite tactics
is to submit a change of address form with the post office. I can do this easily and anonymously by
filling out a simple card. After that,
all of your mail will be sent to MY new address, usually a P.O. Box under a
false name so I won’t get busted if you call the police.
4. Phishing.
For my technically savvy identity theft friends, phishing scams
are popular. They send you spam emails
or set up pop up messages to appear as you browse the web, all asking for your
personal information or logins and passwords.
5. Social Media.
You may not realize it, but
social media sites like Facebook, Instagram, etc. are goldmines for us identity
thieves. By taking bits and pieces of
your personal information we can assemble a data profile that includes just
about everything but your social security number. You also aren’t aware that your photos tell
so much about your life (car license plate numbers, address on your home, when
you’re out of town and where, etc.) When
all else fails, you’d be shocked what public records reveal online!
6. Mail.
Back in the day, we’d just
drive around nice neighborhoods after the postman made his rounds and grab your
mail right out of your box. Apartment
building mailboxes were the best because we could jimmy them open late at night
and get everyone’s mail! These days, I
have identity thief friends who even put out fake mailboxes!
7. Trash.
Dumpster
diving for your discarded documents, mail, and financial records is messy but
profitable! By the way, thanks for only
ripping up your credit card statement in half and thinking you shredded it! haha
8. Call somebody.
You’d
be amazed how much information I can get on you just be calling up your
financial institutions, friends, employers, and credit agencies and pretend to
be your landlord or employer verifying information. People are almost always too lazy to ask for
verificiation!
9. Over your shoulder.
You know how you enter your
password in the ATM machine and don’t really cover it up because you’re not
worried about the people in line behind you?
Yeah, I love that. I can easily
see your password and some times even video it on my cell phone to watch it later
just to be sure. Oh, and I do the same
thing when you’re on your smart phone, iPad, or computer in public!
10. Phony call centers.
I can call people all day
claiming to be their bank, credit card company, or credit reporting
agency. I tell them there’s been some
strange activity on their account (am I lying?!) and ask them to confirm
personal information like passwords or social security numbers so I could
freeze their account. Then I call their
credit card company and have some fun!
11. Cloned cards.
Do you realize how easy it
is for me to make my own credit card? I
can press a duplicate in minutes with special foils and laminators, burning
your name and card number onto blank cards that I buy online.
12. Order checks.
This is too easy! Once I have some of your basic information, I
call your bank or credit card company and request an order of new checks. I can either divert the mail or just pluck
them out of your box! Let’s spend some
of your money!
13. Skimming.
No matter how smart you
think your bank is, we’re smarter – always one step ahead. We install plastic devices to regular ATM
machines that allow us to register all of your bank information once you insert
your card, called skimmers. Sometimes we
even put up a completely fake ATM machine for a few days before moving it to
the next location before the heat is on.
14. Public Wi-Fi connections.
I have to thank you from the
bottom of my heart for login in to your bank or credit card’s site to check
your balance, or even checking your email with a public Wi-Fi connection. It’s so easy to hack in and see exactly what
you’re doing!
15. My lovely assistant – the cashier.
Even
when you use your credit card at legitimate stores, the cashier can be in on
the act. If they turn their back to you
or take a little too long fumbling around behind the counter, they might be scanning
your card into a handheld skimming terminal to harvest your information. Or they can
simply take a
picture of the front and back of your card with their cell phone.
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