Essay on Reflective Summary
Identity theft can happen if someone steals your personal information and uses it to get bank loans, making purchases or opening new accounts for credit cards. So, taking into account the fact that ID theft is a serious concern due to the proliferation of technology, it is necessary to discuss the problem from various perspectives.
To begin, it is necessary to mention that according to Hayward (2004), identity theft is a fraud that is seen in getting personal or financial data of users to use a person’s name or identification for financial transactions or purchases. Perpetrators receive unauthorized access to corporate databases to steal a list of customers and their data for the purpose to steal private information. Sovern (2004) stated that using the necessary information, scammers have the ability to destroy a person’s credit rating or get access to other personal data. In the U.S., identity theft is associated with widespread SSN (Social Security Number) as identification. In order to obtain proof of identity, a large number of organizations are requesting SSN. In the UK, for the implementation of identity theft, perpetrators use NINO (National Insurance number) and NHS (National Health Service Number). In such a way, if the perpetrator finds personal information, such as name, address, date of birth, social security number (SSN), driver’s license and the mother’s maiden name, he will be able to impersonate any personality. As a result, according to Schreft (2007), a thief of identity will be able to dispose a person’s bank accounts, to open new bank accounts, to transfer money from accounts, to apply for granting loans and credit cards, as well as to buy expensive things.
There exists the Identity Theft Resource Center, where people can ask for help because the center is a non-profit organization that was created to provide all the consumers with free suggestions about what people can do in a case of identity theft. The main goals of the center are to help people to cope with their problems in the area of identity theft as well as to educate and inform consumers about the ways how they can avoid many problems with their bank accounts. One of the services that is offered for victims by the Identity Theft Resource Center is a support of the person by a well-qualified specialist of a call center. This service helps people to ask for advice timely and to react on the identity theft in a proper and adequate way.
In conclusion, we have explored identity theft from various perspectives, and it is necessary to add that the fact of identity theft will continue to be a serious problem in future. Nowadays the development of computer technologies forces people to actively use their personal data in daily life, so, perpetrators are also creating new methods to steal a person’s identity.
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