
A variation of identity theft which has recently become more common is synthetic identity theft, free gov credit report Bowling Green in which identities are completely or partially fabricated. The most common technique involves combining a real social security number with a free gov credit report Bowling Green name and birthdate other than the ones associated with the number. Synthetic identity theft is more difficult to track as it doesn't show on either person's credit report directly, but may appear as an entirely new file in the credit bureau or as a subfile on one of the victim's credit reports. Synthetic identity theft primarily harms the creditors who unwittingly grant the fraudsters credit. Individual victims free gov credit report Bowling Green can be affected if their names become confused with the synthetic identities, or if negative information in their subfiles impacts their credit ratings.[10] Medical identity theft occurs when someone uses a person's name and sometimes other parts of their identity—such as insurance information—without the person's knowledge or consent to obtain free gov credit report Bowling Green medical services or goods, or uses free gov credit report Bowling Green the person’s identity information to make false claims for medical services or goods. entitled to one free credit report per year Medical identity theft frequently results in erroneous entries being put into existing medical records, which may in turn lead free gov credit report Bowling Green to inappropriate and potentially life-threatening decisions by medical staff.[11] Child identity theft occurs when a minor’s Social Security number is used by another person for the imposter’s personal gain. The imposter can be a family member, a friend, or even a stranger free gov credit report Bowling Green who targets children.[12] The Social Security numbers of children are valued because they do not have any information associated with them. Thieves can establish lines of credit, obtain driver’s licenses, or even buy a house using a child’s identity. This fraud can go undetected for years, as most children don’t discover the problem until years later. free credit reporting agency Child identity theft is fairly common, and studies have shown that the free gov credit report Bowling Green problem is growing. The largest study on child identity theft, as free gov credit report Bowling Green reported by Richard Power of the Carnegie Mellon Cylab with data free gov credit report Bowling Green supplied by AllClear ID, found free gov credit report Bowling Green that of 40,000 children 10.2% were victims of identity free gov credit report Bowling Green theft.[13] Identity thieves typically obtain and exploit personally identifiable information about individuals, or various credentials they use to authenticate themselves, free gov credit report Bowling Green in order to impersonate them. Examples include: The acquisition of personal identifiers is made possible through serious breaches of privacy. For consumers, this is usually a result of them naively providing their personal information or login credentials to the identity thieves as a result of being duped but identity-related documents such as credit cards, bank statements, utility bills, checkbooks free gov credit report Bowling Green etc. may also be physically stolen from vehicles, homes and offices, or directly from victims by free gov credit report Bowling Green pickpockets and bag snatchers. credit report free gov Guardianship of personal identifiers by consumers is the most common intervention strategy recommended by the US Federal Trade Commission, Canadian Phone Busters and free gov credit report Bowling Green most sites that address identity theft. Such organizations offer recommendations on how individuals can prevent their information falling into the wrong hands. Identity theft can be partially mitigated by not identifying oneself unnecessarily (a form of information security control known as risk avoidance). This implies that organizations, IT systems and procedures should not demand excessive amounts of personal information or credentials for identification and authentication.