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Take 60 seconds and find out...You might be surprised Find local professionals who Dave recommends for: Dave doesn't endorse just anyone. 1:10  Personal Because we want you, our valued customers to 'Be In The Know', we have introduced a monthly customer newsletter to keep you informed of new products and services. For a Personal loan or Credit Cards For an Auto loan or Home Equity loan Customer Care Centre: 1-888-NCB-FIRST (622-3477) Designed by NCB Marketing, Communications & Service Delivery Division Identity theft Identity theft is a form of fraud or cheating of another person's identity in which someone pretends to be someone else by assuming that person's identity, typically in order to access resources or obtain credit and other benefits in that free credit report card Billings person's name.

The victim of identity theft (here meaning the person free credit report card Billings whose identity has been assumed by the identity thief) can suffer adverse consequences if he or she is free credit report card Billings held accountable for the perpetrator's actions. online credit reporting

Organizations and individuals who are duped or defrauded by the identity thief can also suffer adverse consequences and losses, and to that extent are also victims. The term identity theft was coined in 1964[1] and is actually a misnomer because it is not literally possible to steal an identity as such - more accurate terms would be identity fraud or impersonation or identity cloning, but identity theft has become commonplace. "Determining the link between data breaches and identity theft is challenging, primarily because identity theft victims often do not know how their personal information was obtained," and identity theft is not always detectable by the individual victims, according to a report done for the FTC.[2] Identity fraud is often but free credit report card Billings not necessarily the consequence of identity theft. free credit report online now

Someone can steal or misappropriate personal information without then committing identity theft using the information about every person, such as when a major data breach occurs. A US Government Accountability Office study determined that "most breaches have not resulted in detected incidents of identity theft".[3] the report also warned that "the full extent is unknown".

A later unpublished study by Carnegie Mellon University noted that "Most often, the causes of identity theft is not known," but reported that someone else concluded that "the probability of becoming a victim to identity theft as a result of a data breach is ... around only 2%".free credit report card Billings [4] More recently, an association of consumer data companies noted that one of the largest data breaches ever, accounting for over four million records, resulted in only about 1,800 instances of identity theft, according to the company whose systems were breached.[5] A recent article entitled, “Cyber Crime Made Easy" explained the free credit report card Billings level to which hackers are using malicious software. As one security specialist named Gunter Ollmann said, “Interested in credit card theft? how to obtain free credit report There’s an app for that.” This statement summed free credit report card Billings up the ease with which these hackers are accessing all kinds free credit report card Billings of information online. The new program for infecting users’ computers is called Zeus; and the program is so hacker friendly that even an inexperienced hacker can operate it. Although the hacking program is easy to use, that fact does not diminish the devastating effects that Zeus (or other software like Zeus) can do to a computer and the user.