The Other Types of Identity TheftJanuary 19, 2018
If you regularly check your credit reports and financial statements for signs of unauthorized activity, keep up the good work! You are being vigilant and protecting yourself against the most common type of identity theft: financial identity fraud. However, there are many other kinds of identity theft, and some can have an even more profound impact on your life. Here are three lesser known types of identity theft and tips on how to fight them.
Medical Identity Theft
Medical identity theft happens when someone steals your personal health information (PHI), especially your medical insurance identifier, and uses it to fraudulently obtain medical services or products. (A related crime, medical insurance fraud, often uses stolen identities to bill for medical services that were never delivered.) If someone steals your medical identity, you could be denied treatment because someone else has used up your benefits, billed for medical services you didn’t have, or even misdiagnosed or mistreated because of incorrect information in your medical record. The best way to defend against medical identity theft is to thoroughly check your Explanation of Benefits (EOB) statements when they arrive and report anything that’s incorrect.
Driver License Identity Theft
Driver licenses are the most common form of identification in America, giving us the ability not only to drive but to get onto domestic airline flights, purchase alcohol, cash checks, etc. So, it’s no wonder driver licenses are a target for identity theft. Criminals can either steal a driver license and modify the photo, or they can use stolen personal information to forge a driver license. If someone has an accident or commits a crime and gives a driver license with your name, you could lose your license or face prosecution. You can check your personal driving records by going to the DMV website for each state where you have held a driver’s license.
Criminal Identity Theft
Criminal identity theft is when someone commits a crime using your identity as cover. This is very serious because as a result you could fail background checks or even be arrested. To spot this kind of identity theft early, you can run a criminal background check on yourself. If you find anything wrong, ask for a report from the courts where those charges were filed, and submit paperwork to correct the records.
While financial identity fraud can create serious problems in your life, these other kinds of identity theft are harder to spot and can be even more devastating and difficult to correct. To be fully protected, consider enrolling in an identity protection plan such as MyIDCare that provides expert help to restore your identity to its original state for all types of identity theft.