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Identity fraud is becoming more and more common nowadays. Business experts agree that e-commerce is here to stay and online e-business will keep expanding tremendously in the coming future. Online purchasing is a norm and more and more people across the globe are becoming comfortable with the process. Identity or computer fraud is becoming a much larger problem than anyone could have guessed as more people start buying things online.

Bored teenagers aren’t just the only online fraudsters anymore. The online criminals of today are skilled computer experts who know how to manipulate your computer into giving them the information they need for their computer fraud schemes. And the worst part is that you can have crucial information stolen from you without ever knowing what had happened.

Armed with information like a social security number, bank account number or your mothers maiden name, and identity thief is off and running and a stolen identity is in the making. In only a short amount of time a whole new “you” can be created out of thin air, complete with credit cards, mortgages and expensive purchase. Only this “you” fails to pay your bills and is on the road to financial ruin.

“Within the last twelve months, 9.3 million Americans were victims of identity theft.”
-Better Business Bureau, 2005

With numbers like these, everyone should be worried about stolen identity. You may think that an online thief wouldn’t bother with an Average-Joe like you. If you have been thinking like that, you are so WRONG!

And all of this can happen without your knowledge. A smart identity thief will change the addresses on your bills, so they’ll never be sent to you. And the only warning you’ll get is when the creditors come knocking on your door. By that point the thief could have used your stolen identity to wrack up thousands of dollars of purchases and ruined your good credit scores.

Could you become the next victim of a stolen identity?

Most people think that by simply shredding mail and old financial statements will keep identity thieves at bay. Sadly this is NOT the case. Identity fraud is not just limited to physical ways whereby a thief could steal your identity (through unused credit card offer or by intercepting your mail).

An online criminal needs your personal information before he can do anything. So how does he get it? These criminals obtain it through a type of program called adware or spyware. An adware program is a piece of software that, once installed, collects information about you and then sends it back to its source. You may not know it, but your computer keeps files full of information about you. Temporary Internet files, cache files, and browser history files contain information like your name, your address, your phone number, what websites you visit, what kinds of online purchases your make, and even your credit card numbers. So all a piece of adware has to do is find these files and report everything it finds.

Malicious adware gets onto your system through the manipulation of a technology called ActiveX. ActiveX was developed to make websites better. You bank or favorite online stores probably use ActiveX. But when an online criminal manipulates ActiveX, it can be used to remotely install malicious software on your computer. This means that by just visiting a suspicious website, you could be infected with malicious adware, and you would have no idea.

Once the thieves get hold of your personal information, you can literally kiss your good credit rating good bye. He can use your information to run up debt or even worse, steal your identity. Most victims of identity theft spend months or even years as well as thousands of dollars of their own money clearing their names and fixing their credit reports. And until all that is fixed, victims may be refused loans, education, housing or cars, or may even be arrested for crimes they didn’t commit.

Computer fraud can be the most devastating thing that will ever happen to you. If you want to keep computer fraud from happening to you, then you owe it to yourself to invest in solid protection against computer fraud.

Don’t risk leaving your PC exposed to identity thieves, hackers, malicious adware and spyware.

On average, victims of identify theft and fraud spend 175 hours researching and tracking the crime, 23 months correcting credit reports and $800 in out-of-pocket expenses to restore their financial standing, according to a joint study of victims’ experiences by the PRC and the California Public Interest Research Group.

Don’t become the next victim of a stolen identity. With PC Tools’ Spyware Doctor on your side, you can start protecting your identity today by flushing out all of the adware and spyware that happens to be hiding deep in your computers.

Get PC Tools’ Spyware Doctor today to protect your identity from being stolen!

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