Can someone steal my identity with my name, birthday, and address?

Can someone steal my identity with my name, birthday, and address?

"The short answer is no," Eva Casey Velasquez, president and CEO of the Identity Theft Resource Center, says. Your name and address, on the other hand, might be used as a stepping stone to stealing your identity. "Name and address data are the most common elements used in identity theft," she says.

There are several ways someone can use this information to commit identity fraud or obtain credit in your name. For example: A thief could use the data you provide when you open a new account or apply for credit cards to create more than one identity in your name. She or he could also use your details to file false claims against your existing insurance policy or loan. If you cannot think of anything that would prevent someone from using your information, then there is probably nothing to worry about.

Thieves often target ordinary people like you and me because it's easy to get access to sensitive information and we usually give it out without thinking. For example, when you sign up for emails, text messages, or newsletters it may ask you for a name, address, phone number, and sometimes even an email password. That's enough information for someone to take over your identity.

It's best to avoid giving out personal information if you do not need to.

Can a name and address be used to steal your identity?

This post will teach you four different techniques to unlock the gate. Read it at DailyWorth.com.

Can someone access your bank account with just your name?

Fortunately, even if an identity thief knows your name, he or she won't be able to accomplish much with simply your address. The knowledge is simply too vague to be useful. Give your address only when absolutely necessary. You should also leave out your address on your checks. If you have to sign a check, write "signature required" under where you would normally sign your name.

Also remember that your social security number is equivalent to your address for insurance purposes. So if you ever change your name, they will know immediately because that is how they match you with policies.

Finally, credit card companies use a process called "address verification" before they will grant you an account. During this process, they will send you mail to the old address and ask you to reply by letter or email. If you don't respond, they will assume you are not living at that address anymore and deny your request for credit. While this may sound like a hassle, it helps prevent people from using others' addresses without their permission. It also helps protect consumers who make a mistake and give out their address online. There have been cases where thieves have used this method to collect accounts in other names.

The best way to protect yourself is by using good judgment about what information you give out and always making sure it's accurate. For example, if you change jobs often, make sure to update your contact information with any current employers.

How can I get my identity stolen with my name and address?

Identity theft may be committed offline. A criminal with a name and address may alter your address through the US Postal Service and divert mail to their preferred destination, according to Velasquez. With access to your financial correspondence, the burglar can intercept bank statements, credit card offers, or invoices, and then order fresh checks and credit cards. They might even use information from these documents to open new accounts in your name.

If you suspect that your identity has been stolen, contact the three main agencies that deal with such matters: your local police department, your state's attorney general's office, and the US Department of Justice. Also, check your credit report regularly for evidence of fraud. Finally, consider taking out insurance against ID theft.

About Article Author

Derrick True

Derrick True is a former agent. He has been in the field for over ten years and he has seen his fair share of danger. Derrick was always one to take risks and show no fear, but as time went by he realized that it wasn't worth it. He decided to retire from the agency so now he can spend more time with his family and write about his fair share of experiences.

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