- Dumpster diving in trash bins for credit card statements, loan applications, and other documents containing names, addresses, account information, and social security numbers.
- Stealing mail from unlocked mailboxes to get pre-approved credit offers, credit cards, utility bills, bank and credit card statements, investment reports, insurance statements, benefits documents, and tax information.
- Criminals complete a “change of address” form to divert your mail to another location.
- Impersonating a loan officer, employer, or landlord to get fraudulent access to credit files.
- Insider access to names, addresses, birth dates, and social security numbers in personnel or customer files.
- Accessing online sources of personal data, such as public records and fee-based information sites. Court records can contain a wealth of personal information.
- Stolen laptops, notebooks and netbooks. As mobile devices get smaller, people travel with these items that contain a great deal of personal information.
- “Phishing” occurs when scam artists steal personal information from you by sending email that claims to be from a legitimate company and says you have a problem with your account. Frequently, it is nearly impossible to tell the difference between a phony and real email from the alleged source.
- Corporate and hospital databases are being hacked at all the time.
- Hotel guests are most at risk as hackers continue to take credit card data…more than any other industry.
- Banks and credit card companies are also frequently in the news for having lost piles of their customers’ personal information.
- Employees of companies that maintain personal information on you such as banks, or vendors that keep your credit card information on hand.