Cyber criminals have many ways to get your personal information, skimming devices that steal your credit card data for malicious software that collects personal information you enter online.
These scams can give hackers access to everything, including your bank account and your social security number. If you suspect fraudulent charges on your credit cards is the worst scenario, think again. Here are some criminals terrifying things can do with your information.
Refinance your own home
A home is a major investment that you probably are dealing with extreme care. You worked hard to save a deposit and slogged in piles of paperwork to finally get the keys. If a hacker gets ahold of your social security number and steals your identity, it could be the one benefiting from your efforts. With the right information, a cyber criminal can assume your identity advised and take a mortgage on the house you live in.
As if this kind of financial damage was not horrible enough, consider the fact that this criminal could finally make you lose your home as he did with the money. The more your income, the greater the risk of suffering from identity theft. More than a fifth of all identity theft targets families with incomes of $ 50,000 or more.
File Tax Returns Using Your identity
A hacker who obtained enough information to take your identity can start living a new life as you. own employment history of criminal and financial history are probably too dirty to get him a good job. Your virgin story, on the other hand, could help get a great concert. After working as you, the criminal may decide to file taxes under your name and do with a nice refund.
Not only will you experience difficulty when two tax returns are filed under your name, you might also suffer the effects of fraudulent information submitted to the IRS by the criminal. If you apply for another job in the future, this false trail of employment can also follow you.
File Bankruptcy
After havoc with your credit cards, a savvy cybercriminal can decide to minimize the damage and start over again with your identity by simply filing for bankruptcy. This discharge of the debt, but seriously damages your credit score. Bankruptcy stays on your credit report for ten years and damage your chances of getting a home loan, car loan, job, apartment, and credit cards.
serve time in jail with your identity
If the hacker who stole your information decides to try to break more laws, it could end up in jail under your identity. Fingerprints, photos and criminal records will all go under your name and Social Security number. A stop minor traffic could turn into a nightmare if the criminal who took your identity is wanted. You might end up unraveling the confusion of a prison cell while the hacker will be free.
Collect Your Government Benefits
If you receive government benefits of any kind, a thief who stole your identity can have access to them. If your well-being or suddenly stops showing disability, the cause could be Internet savvy hacker who hijacked your funds for its own account.
get a house, apartment or car
Using your credit cards, ID and personal information, a hacker can complete a rental application for a house or apartment. If you have a story to own and rent a decent income, the Criminal find it relatively easy to get a new house under your name. Rental requires much less paperwork than to buy a house, so it is more common con.
Once the hacker has a new comfortable place, however, it has little to no incentive to make good on the lease payments. After all, it is your identity that will suffer damage when it does not pay the rent, the wreck of the property, and takes off.
Your personal and financial information are all a cybercriminal will go out and rent a new car, as well. If he continues with the payments, you may not even realize that there is another vehicle in your name unless you regularly check your credit report. If the criminal decides not to pay, however, you will learn about the fraud quickly enough because the lender will come after you for the money he owed.
Open and Max Out Credit Cards
your existing credit cards are not the only thing at risk if a hacker gets access to your information. If you think you're safe just because you are monitoring the loads on your existing cards, you are operating in a dangerously false assumption. While some hackers will begin with your credit cards, those with enough information can go well beyond this tip.
with your personal information in hand, cyber criminals can get brand new credit card under your name and max them within days or even hours. Once you are aware of the fraud occurred, the criminal is long gone with the goods.
empty your bank account
Credit cards are the threat most people think of when they see their information being stolen. While this is scary, most credit card companies offer some type of protection against fraud that keep you safe, if you act quickly. Getting your money from a bank is more difficult. About 35% of identity fraud involving bank accounts. If a hacker gains access to your bank account, it can clean you and leave you with nothing to pay bills or buy food until you have set the mess left behind.
The pirates are ever present danger. You must remain vigilant about protecting your information and always keep on the lookout for suspicious activity. If you do not keep an eye on your credit report and financial statements, you give criminals an open door to go wild with your information. Stay alert so you can locate any suspicious activity as soon as possible.
0 Komentar