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Identity Theft News
Senator Stevens Introduces Bill To Combat ID Theft
Senator Ted Stevens (R-Alaska), Vice Chairman of the Senate Commerce, Science and Transportation Committee, today introduced legislation to combat identify theft. The “Identity Theft Prevention Act” (S.1178) would strengthen information safeguards and ensure consumers are notified whenever their sensitive personal information is acquired without authorization
The bill would also direct the Federal Trade Commission (FTC) to enforce rules that would require all covered entities that handle sensitive personal information to develop, implement, and maintain appropriate safeguards to protect such information, and provide effective notice to consumers in the event of a breach. The bill also would allow consumers to freeze their credit for a reasonable fee to protect themselves from identity theft.
“Identify theft in the United States has reached epidemic proportions, with Alaska ranked fifth per capita in the number of fraud complaints filed last year,” said Senator Stevens. “Consumers are under attack and we must give them the tools they need to protect themselves.” Read more at stevens.senate.gov.
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Definition:
Credit worthiness predicts how likely you are to pay back a loan based on your past credit history.
Skimming
Definition:
Skimming in known as the method of using a information storage device when processing credit or debit cards in order to obtain the card number and then use it fraudulently.
Fraud alert
Definition:
Once you have become a victim of identity theft, a fraud alert is placed on your credit report to let all creditors know that someone might be trying to obtain new credit in your name.
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