Identity Theft - What Are the Most Common Ways to Commit ID Theft or Fraud?

It's the number one source of consumer complaints at the Federal Trade Commission (FTC), and unfortunately, it's one of the simplest crimes to commit. Identity theft involves information from your daily life, from shopping, bill-paying, and even applying for a job. Thieves take advantage of everyday opportunities to discover your personal information, including your Social Security number (SSN), bank or credit card account numbers, income, name, address, or phone number, and use it to commit fraud or other crimes.

How can a stranger get to your information? According to the FTC, identity thieves may pose as legitimate representatives of an organization, as business professionals or agents of the government, conning you into revealing sensitive information. Common scams include impersonating employees from banks, credit card companies, Internet service providers, and utility companies. If someone calls you claiming to represent a legitimate organization, confirm this by calling the customer service number listed on your statement or bill.

Crime

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Thieves may also use your place of employment to get the information they need. A co-worker may steal information from your employer; someone could hack into your company's computer and copy employee records; or a criminal could resort to the old-fashioned method of bribing someone you work with for your information. Check with your employer to find out the company policy on securing your records and disposing of them when you're gone.

Identity Theft - What Are the Most Common Ways to Commit ID Theft or Fraud?

If your employer is authorized to pull credit reports on employees or potential customers, someone could take advantage of this access to retrieve illegal reports. Criminals may also pose as employers, landlords, or collection agents to pull your credit information. It's a good idea to order a copy of your credit report once a year to check for unauthorized entries.

Shredding your documents before you throw them away is also good idea, whether at work or at home. Identity thieves have been known to sift through garbage, in the trash can or at the dump, to find sensitive information.

The most common form of identity theft is credit card fraud. Technology has allowed criminals to begin stealing your credit or debit card numbers as you use the cards, "skimming" them with an information storage device. In addition, thousands of drivers' licenses and credit and debit cards are stolen each year. Keeping your Social Security card in a secure location and safeguarding your purse or wallet while at work are necessary precautions.

Even your mail is a source for identity thieves, who may complete credit card applications in your name and go on a spending spree. After stealing your bank or credit card statements, tax information, or box of replacement checks, criminals are able to access your accounts and spend the funds in your name. They may even change the address on your existing account, diverting the bills to keep you from recognizing the problem until it's too late. Being aware of your billing cycles can help you catch a discrepancy in the arrival of your statements.

Identity thieves have a variety of ways to use your information for their personal gain. They may shop for big-ticket items using your credit or bank account information and then sell the items for cash. With your SSN and date of birth, they can open new bank accounts or apply for lines of credit. In fact, banks have granted loans to criminals using stolen identities for purchases as large as cars.

Telephone or internet service can be set up using your SSN. Thieves can avoid impending eviction or accumulated debt by filing bankruptcy in your name. Perhaps the most emotionally traumatic, police could issue a warrant for you if a criminal was arrested using your name and failed to appear at a court hearing.

The ways that identity thieves have conceived to acquire your personal information are numerous, but your vigilance and heightened awareness can curb their ability to make you a victim.

Identity Theft - What Are the Most Common Ways to Commit ID Theft or Fraud?

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How Are Fingerprints Obtained From a Crime Scene?

A fingerprint is comprised of a collection of different swirling lines, each one completely unique based on the way the lines are formed and patterned. There are only seven different line types that make up different finger prints, but because the lines can start, split or stop at any point within the fingerprint, there are an endless number of patterns that can be created. The billions of different fingerprints that exist are comprised of many different angles, lengths, formations, widths and heights of these seven different line types.

Fingerprints left at crime scenes can be uncovered using several different methods. One of the most popular methods uses various adhering powders that are attracted to the oils present in fresh fingerprints. The fingerprint is made visible because the powder sticks to the oil imprint of the lines and ridges, forming the fingerprint. Another method for discovering fingerprints involves using either superglue, or Cyano-Acrylate, that vaporize when heated and the smoke attaches to the fingerprint in order to leave a visible white print. There are other methods that can be utilized in order to discover latent finger prints, but these typically involve specialized laboratory equipment that is not always available to crime scene technicians.

Crime

Fingerprint dusting methods work best with fresh fingerprints because they rely on our skin oils that are naturally secreted from the eccrine glands in our fingertips and are left behind on surfaces that we touch. Only the raised portions of our fingerprints actually touch the surface, which leaves a nice clear fingerprint behind. Fingerprinting dust clings to these skin oils, which is what allows the print to become visible.

How Are Fingerprints Obtained From a Crime Scene?

Most fingerprints are initially run through state criminal fingerprint databases first. Not all state crime labs have access to the IAFIS database, even though the database is essentially free to use and is available for any crime lab to obtain. Typically, if a crime lab has no luck with a fingerprint search on a local level, they can turn to IAFIS in an attempt to find an out-of-state fingerprint match.

Originally fingerprints only had a great deal of purpose when it came to solving crimes that had already occurred, though fingerprinting is gaining popularity in other crime-fighting methods. Biometrics allow people to keep track of the public coming and going in some circumstances, such as entering a court house by first giving your fingerprint. Many states require you to give your fingerprint when you apply for your driver's license, or have a check cashed in order to prevent fraud. Children are being fingerprinted early so that if they ever go lost, it will be easier to find them because they are in the system. And some high profile buildings like banks have locks which rely on fingerprints in order to open them. So there is a lot more that a fingerprint can do than simply put a bad guy away. They can also keep people safe, and help keep track of people by storing them in the fingerprint database.

How Are Fingerprints Obtained From a Crime Scene?

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