Identity Theft and Your Online Job Search
While identity theft is nothing new, the Web has opened up whole new world of opportunity for identity thieves.
According to the FBI, identity theft is the top online fraud. The U.S. Federal Trade Commission says that identity theft is it's number one source of consumer complaints - 42 percent of all complaints, in 2001.
The thief will use your personal information to open credit card accounts, cell phone accounts, open bank accounts in your name and write bad checks-leaving the victim with the bills and ruined credit ratings. Identity thieves may pose as representatives of banks, Internet service providers and even government agencies to get you to reveal your Social Security number, mother's maiden name, financial account numbers and identifying information.
In a recent article (http://www.msnbc.com/news/830411.asp), MSNBC reported the case of a man who fell victim to a fraudulent job listing that was posted at Monster.com. According to the article:
"It was just the job lead Jim needed: a marketing manager position with Arthur Gallagher, a leading international insurance broker. And only days after Jim responded to the job posting on Monster.com, a human resources director sent along a promising e-mail. We're interested in you, the note said. The salary is negotiable, the clients big. In fact, the clients are so valuable and sensitive that you'll have to submit to a background check as part of the interview process. Eager for work, Jim complied- and sent off just about every key to his digital identity, including his age, height, weight, Social Security number, bank account numbers, even his mother's maiden name."
Jim spent the day canceling his credit cards, checking his balances and contacting the credit bureaus, but he's concerned that his information is now "out there".
There are warning signs that can tip you off to fraudulent job listings. While these items don't necessarily mean that the listing is a scam, they are indications that you should do further checking.
--Incorrect grammar and spelling errors
--Phone or fax number area codes don't match the address given
Online job databases are not the only places that identity thieves cruise for personal information. In recent indictments across the U.S., individuals have been charged with obtaining and using personal information through various ways. In Miami, two individuals were indicted for illegally tapping the computer networks of restaurants using the cover of a dummy corporation. A clerical worker at the New York State Insurance Fund pilfered office files and used stolen identities (of people across the country as well as fellow office workers) to obtain goods and services. A phlebotomist at Kaiser Permanente admitted to using the personal information of patients and employees in order to open credit card accounts in various names.
Recently, an FTC investigation into a work-at-home scheme spawned an incredible "scam-within-a-scam" when a man pretending to be an FTC employee emailed hundreds of the scam's victims. He requested personal information stating that it was to be used as evidence in the case.
While it's impossible to completely eliminate the chances of becoming a victim, you can minimize the risk by putting the following to practice:
--If a would-be employer asks you for any personal information you should ask them for their contact information and then separately look up the company's information and contact them to verify that they actually exist. While it's not unusual for an employer to ask for certain work-related information (like your work history and former employers), it is not appropriate for them to ask for personal information (like a social security number) unless you are actually being hired (and you've checked them out to make sure they're legitimate). Even then, you should never be asked for financial information such as a credit card number.
--On online resumes, never include your social security number and keep even your work history brief.
--Check your credit card statements often. Believe it or not, many people never even check them!
--Be sure to follow up with creditors if your bill doesn't arrive on time. A missing credit card bill may mean that an identity thief has changed your billing address to cover their tracks.
--Order your credit report from one of the major credit bureaus each year and verify that everything is correct.
What to do if you've been a victim of identity theft:
The FTC maintains Consumer Sentinels Identity Theft Data Clearinghouse, the nations repository for identity theft complaints. The FTC established the Identity Theft Toll-Free Hotline, 1.877.IDTHEFT (1.877.438.4338) and the ID Theft Website (www.consumer.gov/idtheft) to give identity theft victims a central place to report their problems and receive helpful information.
The Internet Fraud Complaint Center (IFCC) is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C). You can use their online system to file a complaint.
Sharon Davis is the owner of http://www.2Work-At-Home.Com, http://www.WorkAtHomeArticles.net and the Editor of the site's monthly ezine, America's Home. In her spare time she reminisces about what it was like to have spare time. To subscribe to her free ezine, click Here:
This article may be reproduced providing it is published in it's entirety, including the author's bio. For a text version via autoresponder, send a blank email to mailto:firstname.lastname@example.org
Can You Tell Me Something About Yourself!
Interview Question, "Tell Me Something About Yourself?""Tell me about yourself" is the query, posted by one of the members and since yesterday I happen to go through many responses. I was just thinking?to give my opinion about the same.
Dealing With How Would You...? Questions
I'm always preaching about proper preparation prior to interviews. If you research the position and company carefully, you can anticipate likely questions and prepare excellent answers.
How to Make More Job Contacts Faster, through Viral Marketing
Are you in the job market? Sick of every blog-byte cramming down your throat that you have to get out there and network? Feel like your traditional networking efforts have turned into a self-destructive waste of time? Online Social Networking (OSN), a form of viral marketing, is a better way to hook up to opportunity. Done right, it'll do wonders for your self-esteem and warp-speed your contact development.
Considering a Career Change?
Are you thinking about a career change? Many people do this because of specific problems or difficulties. Others want to make such a change because of some growing, generalized dissatisfaction.
Job Search Secret #1
The job search secret that is so powerful it will blow your socks off is simple - if you think you want or need a Career Change all you have to do is understand this Job Search Secret:It's simple - Change your Thinking.When you're looking for the new job or career move it's easy to think that 'they' hold all the cards.
A Workplace Romance Can Be Detrimental to Your Career
Over 70% of single employees will become romantically involved with someone they work with at some point in their career. The workplace has become the new single's bar.
Writing a Resume: To Template or Not To Template?
Are free resume templates a viable answer to preparing a
killer resume?It's a fact that if your resume doesn't stand out--both in
terms of content AND appearance-- you'll find it very
difficult to get the job you seek.Hiring managers get hundreds of resumes for every open
position, but usually have time to interview only a handful
Tips for Building a Successful Career
1. Develop excellent work habits - for example, meet deadlines and don't procrastinate.
Wonder Woman makes it looks so easy. She gets up every morning, fights the good fight, calls it a day, and starts the whole process all over again.
Crafting A Stellar Career Summary For Your Resume
Are you a career changer? Or, are you satisfied with your stable career but interested in updating your resume? Are you a professional who has tried different things but are still searching for the kind of work that best suits you? Whatever your career situation, what your resume most needs is a stellar career summary.
What difference can a career summary make for you? Here are 4 reasons why you need one in your resume:
Believe And Get Hired
Good things seem to come in bunches, especially in a job search. Ever wonder why?Example: ever know someone (perhaps you?) who, after many weeks in a fruitless job hunt, suddenly hit a "hot streak" and landed two or three interviews in a matter of days?What happened? What changed? Did the job market suddenly improve? Perhaps.
Stacking The Deck In Your Favor
Many people do not bother to look at their own magnificence and without that view it is not likely that we will recognize the need for strategies to maximize our strengths. When we buy an outfit for a special affair, we automatically try to coordinate each piece so that they enhance one another and amplify our sense of "looking good" from head to toe.
Resumes OR CV : Get That Job
Your resume is your sales document. It tells the world of your achievements, capabilities and roles you have enjoyed.
So, What Do You Do For Work?
I remember being asked this question a lot when I was dissatisfied with my career. My usual strategy would be to give a pat answer and immediately turn the question back on the person who asked it.
Free Resume Examples: Use Them, But Dont
There are lots of free resume examples (or free resume samples) on the web.Try searching for "free resume example" at Google and take a look at the almost 5 million pages that come back (the less restrictive "resume example" gives you 7 million pages, if you've got more time on your hands).
Career Discovery - Pinpoint Your Ideal Career
Determine your ideal career--one that's in alignment with
your values, passions, and talents--and discover the work
you were born to doCareer discovery is the process by which a person identifies
their ideal career path, thus saving themselves a lot of
time (and money) by not pursuing career choices that they
will ultimately find unfulfilling. To find your true
calling, you need to dig around and find the things that are
important to you--now, and in the future.
The Secrets to Interview Success
Many well qualified and extremely able candidates fail at job interviews simply because they are unaware of the conventions of the job interview and the expectations of the interviewer.Successful candidates, on the other hand, manage to impress prospective employers precisely because they know how to present themselves.
Five Facts You Must Know When Changing Careers
Too often in life, we fail. We fail not because we set our goals to high and miss achieving our aspirations.
Ready to Move -- Anywhere!
"I have lived in this city all my life. My family is here.
How To Receive Payment as a Freelance Translator?
A problem most freelance translators are facing with is how to
receive payment. In particular: How to receive payment for small jobs.