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The following is a guest post by Chris Holdheide of Stumble Forward.com. Enjoy!
Most people don’t quite realize the turmoil that identity theft can cause with your credit until it’s too late. Instead of being proactive about their information and their identity, they wait until someone steals it and costs them thousands of dollars or more. Why wait until something horrible happens? Why not learn what you can do to take a better approach to protecting yourself?
Maybe it’s because you may not understand what all identity thieves can actually do with your information to tank your credit. Let me show you some of the different ways that your information can be used to really hurt your credit and some quick ways to prevent them:
Credit cards –
Online accounts –
Of course, on top of these areas, the lost money that it will cost you can total thousands of dollars or more. It will cost you time to dispute charges, time to go to court, time to file paperwork and reports, and to deal with fixing the mess that they have left behind. It can cost you more than just time and money; it can cause you to lose your house, your car, your job, and more.
The good thing is that if you simply start to be proactive in protecting your identity, you can put a stop to all of this before it ever starts. Protect your information online and be careful when giving out or ordering anything over the phone, online, or through the mail. You can also safeguard your email by changing the passwords constantly and deleting emails that have any type of personal information or links to it. At home, ensure that you are checking your mail and not allowing it to sit in your mailbox for any length of time.
As I also mentioned early, a great step that you can take is to enroll identity fraud insurance that will help to keep your information safe as well as provide protection for you if someone tries to steal your identity. There are several excellent companies out there that provide different types of identity theft protection, helping you to take a more proactive approach to keeping your information safe.
I recommend to everyone I know this type of extra protection for your information. Not only can these companies notify you if someone tries to use or gain your information, but they can offer piece of mind. Protection against identity thieves can help to save your credit, your money, and your time.
How about you all? What steps do you take to protect yourself and your credit history from identity thieves? Do you feel that identity fraud insurance and other protection programs are worth the money?
Share your experiences by commenting below!
***Photo courtesy of http://nopsa.hiit.fi/pmg/viewer/images/photo_5166889979_038b630e4f_t.jpg