It’s not how you catch a thief, it’s how you prevent the theft.
The frequency of personal theft has not declined in recent years, but the manner in which the theft occurs has morphed dramatically. The incidence of house break-ins has declined( thankfully), as well as theft from vehicles and vehicle theft in general, and the days of the thief running away with your TV set are truly rare.
What IS trending is identity theft and theft of finances via theft of your credit. Thieves can find many ways to discover vital personal information, including your name, address, social security number and even your current bank account and credit card information. They use this data to obtain new credit cards and other loans, masquerading as you. By the time you discover it, the damage is done and it can take months of aggravating financial reconstruction to resolve the issues. Your personal insurance may provide some access to professional advisory services, but what if there was more you could do… at zero cost!
There are some protection products on the market designed to warn you of identity theft, but many of them simply notify you AFTER the theft has occurred. Here is a step you can take to lock down your credit, which makes it very difficult for a thief to open new credit lines in your name without your authority.
Freeze your Credit
Locking down your credit, or freezing it, can be easily accomplished, as outlined by the Federal Trade Commission (FTC).
It will restrict access to your credit, and give you peace of mind.
Stop the thief in his tracks… it can be done.
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