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Preventing Identity Theft

By John Coktostin

Identity theft has become a major issue in the last few decades. Having our personal information given out online, over the phone, and through the mail has made it fairly easy for someone to steal your identity. Identity theft can cause years of credit repair which is not an easy task.

Having your identity stolen can happen in a number of different ways. Digging through trash, hacking into your computer, breaking into homes, and stalking you online are some of them. It is extremely hard to find out how someone’s identity was actually stolen so it is necessary to do all you can to avoid it. There are many steps you can take to decrease the chances of identity theft.

Most financial institutions offer identity theft protection. There is usually a small fee associated with it to compensate the company. Their services provide credit monitoring and fraud alerts when there is questionable activity. This is a good way to prevent identity theft, but there are other things you can do.

One easy thing you can do to hide your personal information is shredding all your mail and paperwork with any personal information. Keep track of any ID cards, social security cards, and banks cards so you will always know where they are kept. Aside from stealing material objects, there are millions of ways identities are stolen online or over the phone.

Never give out any personal information over the phone or online unless you are sure it will be protected. Sometimes people use scams on a number of different websites to steal this personal information. Classified ads, emails, and job search sites are just a few you should be aware of.

Some people don’t know how to find out whether their identity is stolen. Detecting this problem is fairly simple. You want to be sure and check all your accounts for unusual activity. Check into any unfamiliar charges to make sure you authorized them. You can also check into your credit report and review it as well. If there are discrepancies on either you will want to investigate.

The first thing to do is put a hold on all your bank accounts and credit cards. This will prevent further injury. The next step is to notify the police department and file an “identity theft” report. You will also need to notify a credit bureau and have them file a fraud alert under your name. Credit repair may already be needed, but with a fraud alert additional damage can be avoided.

While these things will help you minimize your risk for identity theft, they will not eliminate it. Make sure you are careful with any personal information in all situations. Not only is credit repair financially exhausting, it is emotionally draining as well.

At Nitro Credit, we specialize in credit repair, credit help, improving your credit score, and credit restoration. We will help you start over and help increase your FICO score.

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Article Citation
MLA Style Citation:
Coktostin, John "Preventing Identity Theft." Preventing Identity Theft. 11 Jul. 2010. 23 Aug 2014 <>.

APA Style Citation:
Coktostin, J (2010, July 11). Preventing Identity Theft. Retrieved August 23, 2014, from

Chicago Style Citation:
Coktostin, John "Preventing Identity Theft"

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