Identity theft becoming more prevalent

Identity theft is becoming a major problem in the United States. According to the national burea of crime statistics, in 2010, 7.0% of households in the United States, or about 8.6 million households, had at least one member age 12 or older who experienced one or more types of identity theft victimization. Among households in which at least one member experienced one or more types of identity theft, 64.1% experienced the misuse or attempted misuse of an existing credit card account in 2010. From 2005 to 2010, the percentage of all households with one or more type of identity theft that suffered no direct financial loss increased from 18.5% to 23.7%

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If you have been the victim of identity theft it means that someone else is assuming your identity so that they can access your resources or obtain credit on your behalf. This can obviously result in very serious consequences for you.

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There has been a marked increase in the crimes of identity theft which has led to the drafting of the new legislation called the identity theft and assumption deterrents act. In 1998, a report by a government body was given to the United States upper house which said that crimes that exploit consumer credit to commit loan fraud and mortgage fraud as was line of credit fraud, credit card fraud and commodities and service frauds were growing in number.

The new legislation is designed to amend the existing fraud legislation by making it more nuanced and appropriate to the current digital age where identity theft is far easier to perpetrate. The new law means that possessing someone else’s means of identification and utilizing it without their authority is a Federal crime. The new law has also increased the penalties for this type of behavior.

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