Do your job, home address and personal interests make you more likely to become a victim of identity theft? Recent research says the answer to that questions is yes.
A large number of identity theft victims live in affluent suburbs and high-density metro areas, have an advanced degree and a spouse, are interested in politics, and are into leisure activities like tennis and the arts.
While identity theft can happen to anyone, it’s clear that affluent suburbanites top the list as the most at-risk consumers.
Identity theft is on the rise, and affected more than 11 million people in 2009. One out of ever 10 people has been affected by the crime. Victims of this crime have a distinct profile. When compared to non-victims, identity theft victims are 43 percent more likely to live in affluent suburbs, 73 percent more likely to have an advanced degree, and are residents of neighborhoods where the percentage of luxury vehicles is 26 percent or higher.
But there are some things consumers can do to protect themselves from identity fraud. First of all, protect your Social Security card. Never carry it in your wallet. Never use it as a substitute for other forms of identification. Be cautious about what businesses you share it with; question them regarding why they need it, and if you can provide an alternative form or identification.
Be sure you shred bills, receipts, copies of credit applications, insurance forms, physician and bank statements, and any other document that contains your personal information. You should also be sure to use complex passwords on your computer and for online accounts. When conducting business online, be sure you do so only on secure sites.
If you suspect you are the victim of identity theft, contact the credit reporting agencies at once. You should also contact your bank and credit card issuers. Report any theft to the police, and be sure to file a report and keep a copy for your records. You’ll need it if there’s been a theft and you have to prove you’ve been victimized.
Identity theft won’t go away – that much is clear. But by understanding your risk and how to deprive thieves of opportunity, consumers can protect themselves from becoming victims.
