2013년 11월 29일 금요일

오후 4:33

By Zada Max

In: Adult Learning Degree Online, College Degree Learning Online Program, Online Degree Learning Cutting, Online Learning Degree Programs

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Ｉｎ               ａ               ｒｅｃｅｎｔ               ａｒｔｉｃｌｅ               ｐｕｂｌｉｓｈｅｄ               ｂｙ               ＡＣ               Ｃｏｎｔｅｎｔ               ｐｒｏｄｕｃｅｒ               Ｎａｎｃｙ               Ｌａｍｂｅｒｔ               ,Ｏｎ-ｌｉｎｅ               Ｌｅａｒｎｉｎｇ               Ｏｆｆｅｒｉｎｇ               Ｏｐｐｏｒｔｕｎｉｔｉｅｓ               ｆｏｒ               Ｗｏｍｅｎ,ｓｈｅ               ｐｏｉｎｔｅｄ               ｏｕｔ               ｔｈｅ               ｂｅｎｅｆｉｔｓ               ｏｆ               ｏｎ-ｌｉｎｅ               ｅｄｕｃａｔｉｏｎ.

Ｉｎ               ｈｅｒ               ａｒｔｉｃｌｅ,               ｓｈｅ               ｐｒｏｍｏｔｅｓ               ｏｎ-ｌｉｎｅ               ｌｅａｒｎｉｎｇ               ｔｏ               ｂｕｓｙ               ｗｏｍｅｎ               ｗｉｔｈ               ｏｒ               ｗｉｔｈｏｕｔ               ｃｈｉｌｄｒｅｎ               ａｎｄ               ｍａｎｙ               ｏｔｈｅｒ               ｋｅｙ               ｐｏｉｎｔｓ               ｆｏｒ               ｃｈｏｏｓｉｎｇ               ａｎ               ｏｎ-ｌｉｎｅ               ｐｒｏｇｒａｍ               ｖｅｒｓｕｓ               ｔｈｅ               ｔｒａｄｉｔｉｏｎａｌ               ｃｏｌｌｅｇｅ               ｃｏｕｒｓｅ.

Ｉ               ａｍ               ｗｒｉｔｉｎｇ               ｂａｓｅｄ               ｏｎ               ｍｙ               ｏｗｎ               ｅｘｐｅｒｉｅｎｃｅ               ｗｉｔｈ               ｏｎ-ｌｉｎｅ               ｌｅａｒｎｉｎｇ               ａｎｄ               ｈｏｗ               ｄｉｆｆｉｃｕｌｔ               ｉｔ               ｍａｙ               ｂｅ               ｗｉｔｈ               ａ               ｂｕｓｙ               ｓｃｈｅｄｕｌｅ.

Ａｆｔｅｒ               ｅａｒｎｉｎｇ               ｍｙ               ｂａｃｈｅｌｏｒ'ｓ               ｄｅｇｒｅｅ,               Ｉ               ｈａｄ               ａｌｗａｙｓ               ｉｎｔｅｎｄｅｄ               ｏｎ               ｒｅｔｕｒｎｉｎｇ               ｔｏ               ｓｃｈｏｏｌ               ｔｏ               ｐｕｒｓｕｅ               ｍｙ               Ｍａｓｔｅｒ'ｓ               ｄｅｇｒｅｅ               ａｎｄ               ａｆｔｅｒ               ｙｅａｒｓ               ｏｆ               ｐｒｏｃｒａｓｔｉｎａｔｉｎｇ,               Ｉ               ｄｅｃｉｄｅｄ               ｔｏ               ｅｘｐｌｏｒｅ               ｍｙ               ｏｐｔｉｏｎｓ.

Ｉ               ｈａｄ               ｓｅｅｎ               ｔｈｅ               ａｄｖｅｒｔｉｓｅｍｅｎｔｓ               ｆｏｒ               ｏｎ-ｌｉｎｅ               ｄｅｇｒｅｅｓ               ａｎｄ               ｉｔ               ｐｅａｋｅｄ               ｍｙ               ｉｎｔｅｒｅｓｔｓ,               ｓｉｎｃｅ               ｉｔ               ｓｅｅｍｅｄ               ｔｏ               ｐｒｏｍｏｔｅ               ｔｈｅ               ｉｄｅａ               ｏｆ               ｆｌｅｘｉｂｉｌｉｔｙ               ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ｗｏｒｋ               ｆｕｌｌ               ｔｉｍｅ               ａｎｄ               ｈａｄ               ｂｕｓｙ               ｓｃｈｅｄｕｌｅｓ.

Ｉ               ａｍ               ｗｒｉｔｉｎｇ               ｔｏ               ｇｉｖｅ               ｍｙ               ｅｘｐｅｒｉｅｎｃｅ               ａｎｄ               ｔｏ               ｓａｙ               ｔｈａｔ               ｏｎ-ｌｉｎｅ               ｌｅａｒｎｉｎｇ               ｉｓ               ｎｏｔ               ａｌｗａｙｓ               ａｓ               ｆｌｅｘｉｂｌｅ               ａｎｄ               "ｂｕｓｙ               ｓｃｈｅｄｕｌｅ"               ｆｒｉｅｎｄｌｙ               ａｓ               ｔｈｅｙ               ｃｌａｉｍ               ｔｏ               ｂｅ.

Ｉ               ｃｈｏｓｅ               ｔｏ               ａｐｐｌｙ               ｔｏ               ｔｈｅ               Ｃｒｉｍｉｎａｌ               Ｊｕｓｔｉｃｅ               ｐｒｏｇｒａｍ               ａｔ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｐｈｏｅｎｉｘ               Ｏｎ-ｌｉｎｅ               ｔｏ               ｗｏｒｋ               ｔｏｗａｒｄ               ｅａｒｎｉｎｇ               ｍｙ               Ｍａｓｔｅｒ'ｓ               ｄｅｇｒｅｅ               ａｆｔｅｒ               ｍｅｅｔｉｎｇ               ｗｉｔｈ               ａ               Ｕｎｉｖｅｒｓｉｔｙ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ               ａｔ               ａ               ｃｏｌｌｅｇｅ               ｆａｉｒ               ｔｈａｔ               ｍｙ               ｃｏｍｐａｎｙ               ｈｅｌｄ.

Ｏｎｅ               ｏｆ               ｔｈｅ               ｒｅａｓｏｎｓ               ｔｈａｔ               Ｉ               ｃｈｏｓｅ               ｔｈｅ               ｏｎ-ｌｉｎｅ               ｐｒｏｇｒａｍ               ｗａｓ               ｔｈｅ               ｆｌｅｘｉｂｉｌｉｔｙ               ｔｈａｔ               ｉｔ               ｗａｓ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｈａｖｅ.
               Ｉ               ｗａｓ               ｔｏｌｄ               ｗｈｅｎ               Ｉ               ｅｎｒｏｌｌｅｄ               ｔｈａｔ               Ｉ               ｗａｓ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｌｏｇ               ｉｎｔｏ               ｔｈｅ               ｃｌａｓｓ               ｗｅｂｓｉｔｅ               ａ               ｍｉｎｉｍｕｍ               ｏｆ               3-4               ｔｉｍｅｓ               ａ               ｗｅｅｋ.

Ｉ               ｓｏｏｎ               ｆｏｕｎｄ               ｏｕｔ               ｔｈａｔ               ｉｔ               ｗａｓ               ａｌｍｏｓｔ               ｕｎａｃｃｅｐｔａｂｌｅ               ａｎｄ               ｉｆ               Ｉ               ｄｉｄ               ｎｏｔ               ｌｏｇ               ｏｎ               ｅｖｅｒｙｄａｙ,               Ｉ               ｃｏｕｌｄ               ｆａｌｌ               ｂｅｈｉｎｄ               ａｎｄ               ｐｏｓｓｉｂｌｙ               ｂｅ               ｐｅｎａｌｉｚｅｄ.

Ｉ               ｄｉｄ               ｎｏｔ               ｂｙ               ａｎｙ               ｍｅａｎｓ               ｔｈｉｎｋ               ｔｈａｔ               ｉｔ               ｗｏｕｌｄ               ｂｅ               ｅａｓｙ               ｏｒ               ａ               "ｗａｌｋ               ｉｎ               ｔｈｅ               ｐａｒｋ"               ｂｕｔ               Ｉ               ｄｉｄ               ｎｏｔ'ｔ               ｅｘｐｅｃｔ               ｗｈａｔ               Ｉ               ｅｎｃｏｕｎｔｅｒｅｄ               ｅｉｔｈｅｒ.

Ｅｖｅｒｙ               ｃｌａｓｓ               ｗａｓ               ｓｃｈｅｄｕｌｅｄ               ｔｏ               ｂｅ               ｓｉｘ               ｗｅｅｋｓ               ｌｏｎｇ               ｓｏ               Ｉ               ｅｘｐｅｃｔｅｄ               ｔｈｅ               ｗｏｒｋ               ｔｏ               ｂｅ               ｃｏｍｐａｃｔｅｄ               ｉｎｔｏ               ｔｈｏｓｅ               ｓｈｏｒｔ               ｗｅｅｋｓ.

Ａｔ               ｔｈｅ               ｂｅｇｉｎｎｉｎｇ               ｏｆ               ｅａｃｈ               ｗｅｅｋ,               ｗｅ               ｗｅｒｅ               ａｓｓｉｇｎｅｄ               ａ               ｒｅａｄｉｎｇ               ａｓｓｉｇｎｍｅｎｔ               ａｎｄ               ａ               ｐａｐｅｒ               ｔｏ               ｗｒｉｔｅ.

Ｗｅ               ｗｅｒｅ               ａｌｓｏ               ｒｅｑｕｉｒｅｄ               ｔｏ               ａｎｓｗｅｒ               ｔｗｏ               "ｄｉｓｃｕｓｓｉｏｎ               ｑｕｅｓｔｉｏｎｓ"               ｉｎ               ｓｈｏｒｔ               ｐａｒａｇｒａｐｈｅｄ               ａｎｓｗｅｒｓ.

Ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ｗｒｉｔｉｎｇ               ａ               ｆｅｗ               ｓｈｏｒｔ               ｐａｒａｇｒａｐｈｓ               ｔｏ               ｔｈｅ               ｄｉｓｃｕｓｓｉｏｎ               ｑｕｅｓｔｉｏｎｓ,               ｗｅ               ｗｅｒｅ               ａｌｓｏ               ｅｘｐｅｃｔｅｄ               ｔｏ               ｒｅｓｐｏｎｄ               ｔｏ               ｏｔｈｅｒ               ｃｌａｓｓｍａｔｅ'ｓ               ｏｐｉｎｉｏｎｓ               ｔｏ               ｔｈｅ               ｑｕｅｓｔｉｏｎｓ.

Ｔｈｉｓ               ｗａｓ               ｃｏｎｓｉｄｅｒｅｄ               ｔｏ               ｂｅ               "ｃｌａｓｓ               ｐａｒｔｉｃｉｐａｔｉｏｎ"               ａｎｄ               ａ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｙｏｕｒ               ｇｒａｄｅ.

Ｉ               ａｃｔｕａｌｌｙ               ｅｎｊｏｙｅｄ               ｗｒｉｔｉｎｇ               ａｎｄ               ｒｅｓｐｏｎｄｉｎｇ               ｔｏ               ｔｈｅ               ｄｉｓｃｕｓｓｉｏｎ               ｑｕｅｓｔｉｏｎｓ               ａｎｄ               ｆｏｕｎｄ               ｔｈａｔ               Ｉ               ｌｅａｒｎｅｄ               ｔｈｅ               ｍｏｓｔ               ｆｒｏｍ               ｔｈｉｓ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｃｏｕｒｓｅ.
               Ｔｈｅ               ｈａｒｄｅｓｔ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｐｒｏｇｒａｍ               ｗａｓ               ｔｈｅ               "ｇｒｏｕｐ               ｐｒｏｊｅｃｔ"               ｔｈａｔ               ｗａｓ               ａ               ｌａｒｇｅ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ｙｏｕｒ               ｇｒａｄｅ.

Ｉｔ               ｉｓ               ｃｈａｌｌｅｎｇｉｎｇ               ｔｏ               ｗｏｒｋ               ｏｎ               ａ               ｇｒｏｕｐ               ｐｒｏｊｅｃｔ               ｉｎ               ａ               ｒｅｇｕｌａｒ               ｃｌａｓｓｒｏｏｍ               ｓｅｔｔｉｎｇ               ａｎｄ               ｅｖｅｎ               ｍｏｒｅ               ｃｈａｌｌｅｎｇｉｎｇ               ｗｈｅｎ               ｙｏｕ               ｌｉｖｅ               ｉｎ               ｄｉｆｆｅｒｅｎｔ               ｓｔａｔｅｓ               ａｎｄ               ａｌｍｏｓｔ               ａｌｌ               ｗｏｒｋ               ｄｉｆｆｅｒｅｎｔ               ｓｃｈｅｄｕｌｅｓ               ｉｎ               ｆｕｌｌ               ｔｉｍｅ               ｊｏｂｓ.

Ｉ               ｄｉｓｌｉｋｅｄ               ｔｈｅ               ｔｈｏｕｇｈｔ               ｏｆ               ｍｙ               ｇｒａｄｅ               ｒｅｌｙｉｎｇ               ｏｎ               ｏｔｈｅｒ               ｐｅｏｐｌｅ.

Ｉ               ｆｏｕｎｄ               ｔｈａｔ               Ｉ               ｈａｄ               ｔｏ               ｄｅｌｅｇａｔｅ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｉｅｓ               ｔｏ               ｏｕｒ               ｇｒｏｕｐ               ｔｏ               ｇｅｔ               ｏｕｒ               ｐｒｏｊｅｃｔ               ｓｔａｒｔｅｄ               ａｎｄ               ｉｔ               ｗａｓ               ｎｅｒｖｅ               ｗｒｅｃｋｉｎｇ               ｗｈｅｎ               ａ               ｆｅｗ               ｇｒｏｕｐ               ｍｅｍｂｅｒｓ               ｄｉｄ               ｎｏｔ               ｃｏｍｐｌｅｔｅ               ｔｈｅｉｒ               ｐａｒｔ               ｏｒ               ｅｖｅｎ               ｒｅｓｐｏｎｄ,               ｅｖｅｎｔｕａｌｌｙ               ｌｅａｒｎｉｎｇ               ｔｈａｔ               ｔｈｅｙ               ｄｒｏｐｐｅｄ               ｔｈｅ               ｃｏｕｒｓｅ.

Ｔｈｅ               ｇｒｏｕｐ               ｐｒｏｊｅｃｔ               ｗａｓ               ｖｅｒｙ               ｔｉｍｅ-ｃｏｎｓｕｍｉｎｇ               ａｎｄ               ｌｅｆｔ               ｌｉｔｔｌｅ               ｔｉｍｅ               ｔｏ               ｗｒｉｔｅ               ｏｕｒ               ｗｅｅｋｌｙ               ｐａｐｅｒｓ               ａｎｄ               ａｎｓｗｅｒ               ｔｈｅ               ｄｉｓｃｕｓｓｉｏｎ               ｑｕｅｓｔｉｏｎｓ               ｔｈａｔ               ｗｅｒｅ               ａｌｓｏ               ｒｅｑｕｉｒｅｄ.

Ｎｅｅｄｌｅｓｓ               ｔｏ               ｓａｙ,               Ｉ               ｗａｓ               ａ               ｂａｓｋｅｔ               ｃａｓｅ               ｆｏｒ               ｓｉｘ               ｗｅｅｋｓ               ａｎｄ               ｅｎｃｏｕｎｔｅｒｅｄ               ｍａｎｙ               ｓｌｅｅｐｌｅｓｓ               ｎｉｇｈｔｓ,               ｔｒｙｉｎｇ               ｔｏ               ｃａｔｃｈ               ｕｐ               ｏｎ               ｍｙ               ｗｏｒｋ.

Ａｆｔｅｒ               ｗｏｒｋｉｎｇ               ｗｉｔｈ               ｔｈｅ               ｏｔｈｅｒ               ｓｔｕｄｅｎｔｓ               ｏｎ               ｏｕｒ               ｇｒｏｕｐ               ｐｒｏｊｅｃｔ,               Ｉ               ｆｏｕｎｄ               ｔｈａｔ               ｍｏｓｔ               ｏｆ               ｔｈｅｍ               ｗｅｒｅ               ｇｏｉｎｇ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓａｍｅ               ｉｓｓｕｅｓ.

Ａｌｍｏｓｔ               ｅｖｅｒｙ               ｓｔｕｄｅｎｔ               ｗａｓ               ｗｏｒｋｉｎｇ               ｆｕｌｌ               ｔｉｍｅ               ａｎｄ               ｍａｎｙ               ｏｆ               ｔｈｅｍ               ｈａｄ               ｔｏ               ｊｕｇｇｌｅ               ｔｉｍｅ               ｆｏｒ               ｔｈｅｉｒ               ｃｈｉｌｄｒｅｎ               ａｎｄ               ｓｐｏｕｓｅｓ.
               Ｏｎｅ               ｏｆ               ｔｈｅ               ｇｏｏｄ               ｐｏｉｎｔｓ               ｔｏ               ｔｈｅ               Ｐｈｏｅｎｉｘ               Ｏｎｌｉｎｅ               ｐｒｏｇｒａｍ               ｉｓ               ｔｈａｔ               ｉｓ               ｉｔ               ｖｅｒｙ               ｓｔｒｕｃｔｕｒｅｄ.

Ｉ               ｌｅａｒｎｅｄ               ｆｒｏｍ               ｓｔｕｄｅｎｔｓ               ｗｈｏ               ｈａｄ               ｔａｋｅｎ               ｐｒｅｖｉｏｕｓ               ｃｏｕｒｓｅｓ               ｔｈａｔ               ｅｖｅｒｙ               ｃｌａｓｓ               ｉｓ               ｄｅｓｉｇｎｅｄ               ｔｈｅ               ｓａｍｅ               ｗａｙ               ｗｉｔｈ               ｔｈｅ               ｒｅａｄｉｎｇ               ａｓｓｉｇｎｍｅｎｔｓ,               ｐａｐｅｒｓ,               ｄｉｓｃｕｓｓｉｏｎ               ｑｕｅｓｔｉｏｎｓ               ａｎｄ               ａｎｓｗｅｒｓ,               ｃｌａｓｓ               ｄｉｓｃｕｓｓｉｏｎ               ａｎｄ               ｇｒｏｕｐ               ｐｒｏｊｅｃｔ,               ｓｏ               ｙｏｕ               ｗｏｕｌｄ               ｋｎｏｗ               ｗｈａｔ               ｔｏ               ｅｘｐｅｃｔ               ｆｒｏｍ               ｃｌａｓｓ               ｔｏ               ｃｌａｓｓ.

Ｉｆ               ｙｏｕ               ｅｎｊｏｙ               ｔｈｅ               ｗａｙ               ｔｈｅ               ａｓｓｉｇｎｍｅｎｔｓ               ａｒｅ               ｄｅｌｅｇａｔｅｄ,               ｔｈｅｎ               ｔｈｉｓ               ｗｏｕｌｄ               ｂｅ               ｔｈｅ               ｐｅｒｆｅｃｔ               ｐｒｏｇｒａｍ               ｔｏ               ｅｎｒｏｌｌ               ｉｎ.

Ａｎｏｔｈｅｒ               ｇｏｏｄ               ｐｏｉｎｔ               ｉｓ               ｔｈａｔ               ｙｏｕ               ｄｏ               ｎｏｔ               ｈａｖｅ               ｔｏ               ｌｅａｖｅ               ｙｏｕｒ               ｈｏｕｓｅ               ａｎｄ               ｈｉｒｅ               ａ               ｂａｂｙｓｉｔｔｅｒ,               ａｓ               Ｎａｎｃｙ               Ｌａｍｂｅｒｔ               ｓｔａｔｅｄ               ｉｎ               ｈｅｒ               ａｒｔｉｃｌｅ,               ｂｕｔ               ｂｅｉｎｇ               ａ               ｎｅｗ               ｍｏｔｈｅｒ,               Ｉ               ｋｎｏｗ               ｔｈａｔ               ｉｔ               ｗｏｕｌｄ               ｂｅ               ａｌｍｏｓｔ               ｉｍｐｏｓｓｉｂｌｅ               ｔｏ               ｃｏｍｐｌｅｔｅ               ｙｏｕｒ               ａｓｓｉｇｎｍｅｎｔｓ               ａｎｄ               ｗｏｒｋ               ｗｉｔｈ               ｙｏｕｒ               ｇｒｏｕｐ               ｗｉｔｈｏｕｔ               ａ               ｂａｂｙｓｉｔｔｅｒ               ｏｒ               ｓｏｍｅｏｎｅ               ｔｏ               ｌｏｏｋ               ａｆｔｅｒ               ｔｈｅ               ｃｈｉｌｄｒｅｎ.
               Ｏｖｅｒａｌｌ,               ｏｎｌｉｎｅ               ｌｅａｒｎｉｎｇ               ｉｓ               ｖｅｒｙ               ｃｈａｌｌｅｎｇｉｎｇ               ｔｏ               ｔｈｏｓｅ               ｗｈｏ               ａｒｅ               ａｌｒｅａｄｙ               ｊｕｇｇｌｉｎｇ               ｆａｍｉｌｙ               ａｎｄ               ｆｕｌｌ               ｔｉｍｅ               ｊｏｂｓ.

Ｊｕｓｔ               ｂｅｉｎｇ               ａｂｌｅ               ｔｏ               ｓｔａｙ               ｈｏｍｅ               ｖｅｒｓｕｓ               ｔｒａｖｅｌｉｎｇ               ｔｏ               ａ               ｃｏｌｌｅｇｅ               ｃｌａｓｓｒｏｏｍ               ｄｏｅｓ               ｎｏｔ               ａｌｗａｙｓ               ｍｅａｎ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｍｏｒｅ               ｔｉｍｅ               ｔｏ               ｓｐｅｎｄ               ｗｉｔｈ               ｙｏｕｒ               ｆａｍｉｌｙ               ｏｒ               ｊｏｂ,               ｉｎ               ｆａｃｔ               ｉｔ               ｃｏｕｌｄ               ａｌｍｏｓｔ               ｂｅ               ｌｅｓｓ               ｔｉｍｅ.

Ｉ               ｄｉｄ               ｎｏｔ               ｆｉｎｄ               ｔｈｅ               ｃｏｕｒｓｅ               ｔｏ               ｂｅ               ｏｖｅｒｗｈｅｌｍｉｎｇｌｙ               ｈａｒｄ               ｉｎ               ａｎｙ               ｗａｙ,               ｏｎｌｙ               ｔｉｍｅ               ｃｏｎｓｕｍｉｎｇ.

Ｍｙ               ｏｐｉｎｉｏｎ               ｉｓ               ｓｏｌｅｌｙ               ｂａｓｅｄ               ｏｎ               ｍｙ               ｐｅｒｓｏｎａｌ               ｅｘｐｅｒｉｅｎｃｅ               ａｎｄ               Ｉ               ｈａｖｅ               ｎｏｔ               ｒｕｌｅｄ               ｏｕｔ               ｏｎ-ｌｉｎｅ               ｌｅａｒｎｉｎｇ               ｈｏｗｅｖｅｒ,               Ｉ               ｈａｖｅ               ｃｈｏｓｅｎ               ｎｏｔ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｗｉｔｈ               ｔｈｅ               Ｐｈｏｅｎｉｘ               Ｏｎ-ｌｉｎｅ               ｐｒｏｇｒａｍ               ｂｅｃａｕｓｅ               ｉｔ               ｄｏｅｓ               ｎｏｔ               ｓｕｉｔ               ｍｅ.

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About 'access to higher education online'|Why Online Higher Education Is Both Useful and Necessary

Ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ:               Ｔｈｏｓｅ               ｗｏｒｄｓ               ｓｅｎｄ               ｃｈｉｌｌｓ               ｄｏｗｎ               ｔｈｅ               ｓｐｉｎｅ.

Ｍｏｓｔ               ｏｆ               ｕｓ               ｗｏｒｋ               ｖｅｒｙ               ｈａｒｄ               ｔｏ               ｓｕｐｐｏｒｔ               ｏｕｒ               ｆａｍｉｌｉｅｓ               ａｎｄ               ｄｏ               ｅｖｅｒｙｔｈｉｎｇ               ｗｉｔｈｉｎ               ｏｕｒ               ｐｏｗｅｒ               ｔｏ               ｐｒｏｔｅｃｔ               ｔｈｅｍ               ａｎｃ               ｏｕｒｓｅｌｖｅｓ               ｆｒｏｍ               ａｎｙ               ｋｉｎｄ               ｏｆ               ｈａｒｍ.

Ｔｈｅ               ｉｄｅａ               ｔｈａｔ               ｓｏｍｅｏｎｅ               ｃａｎ               ｃｏｍｅ               ａｌｏｎｇ               ａｎｄ               ｔａｋｅ               ａｗａｙ               ｗｈａｔ               ｔｏｏｋ               ｄｅｃａｄｅｓ               ｔｏ               ｃｒｅａｔｅ               ｉｓ               ｎｏｔ               ｏｎｌｙ               ｍｉｎｄ-ｂｏｇｇｌｉｎｇ               ｂｕｔ               ａｌｓｏ               ｆｒｉｇｈｔｅｎｉｎｇ               ｏｎ               ｔｈｅ               ｄｅｅｐｅｓｔ               ｌｅｖｅｌ.
Ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｒｅｍａｉｎｓ               ｏｎ               ｔｈｅ               ｒｉｓｅ.

Ｍａｎｙ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｔｈｅ               ｃｒｉｍｅ               ｉｓ               ｎｏｗ               "ｏｆ               ｅｐｉｄｅｍｉｃ               ｐｒｏｐｏｒｔｉｏｎｓ."               Ｗｈｅｔｈｅｒ               ｏｒ               ｎｏｔ               ｔｈａｔ               ｉｓ               ａｃｔｕａｌｌｙ               ｔｒｕｅ,               Ｉ'ｍ               ｕｎｑｕａｌｉｆｉｅｄ               ｔｏ               ｓａｙ.

Ｈｏｗｅｖｅｒ,               ｏｎｅ               ｔｈｉｎｇ               ｉｓ               ｃｅｒｔａｉｎ.

Ｉｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｉｓ               ｎｏｗ               ｎａｔｉｏｎ               ｗｉｄｅ               ａｎｄ               ｉｔ               ａｆｆｅｃｔｓ               ｅｖｅｒｙｂｏｄｙ               ｆｒｏｍ               ｔｈｅ               ｒｉｃｈ               ｔｏ               ｔｈｅ               ｐｏｏｒ.

Ａｌｓｏ               ｕｎｄｅｎｉａｂｌｅ               ｉｓ               ｔｈｅｒｅ               ｉｓ               ｓｔｉｌｌ               ｖｅｒｙ               ｌｉｔｔｌｅ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｄｏ               ｔｏ               ｐｒｅｖｅｎｔ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ.

Ｗｏｒｓｔ               ｏｆ               ａｌｌ,               ｂｙ               ｔｈｅ               ｔｉｍｅ               ｙｏｕ               ｄｅｔｅｃｔ               ｔｈａｔ               ｓｏｍｅｏｎｅ               ｈａｓ               ｓｔｏｌｅｎ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ,               ｉｔ               ｉｓ               ｐｒｏｂａｂｌｙ               ｔｏｏ               ｌａｔｅ.

Ｏｎｅ               ｍｕｓｔ               ｑｕｅｓｔｉｏｎ               ｗｈｙ               ｔｈｉｓ               ｃｒｉｍｅ               ｃｏｎｔｉｎｕｅｓ               ｔｏ               ｅｓｃａｌａｔｅ.

Ｔｈｅ               ａｎｓｗｅｒ               ｉｓ               ｓｉｍｐｌｅ.

Ｆｏｒ               ｔｈｅ               ｃｒｉｍｉｎａｌ,               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｉｓ               ａ               ｒｅｌａｔｉｖｅｌｙ               ｌｏｗ-ｒｉｓｋ,               ｈｉｇｈ-ｒｅｗａｒｄ               ｅｎｄｅａｖｏｒ.

Ｆｏｒ               ｔｈｅ               ｍｏｓｔ               ｐａｒｔ,               ｃｒｅｄｉｔ               ｃａｒｄ               ｉｓｓｕｅｒｓ               ｄｏｎ'ｔ               ｅｖｅｎ               ｂｏｔｈｅｒ               ｔｏ               ｐｒｏｓｅｃｕｔｅ               ｔｈｅ               ｔｈｉｅｖｅｓ               ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ａｃｔｕａｌｌｙ               ａｐｐｒｅｈｅｎｄｅｄ.

Ｔｈｅｙ               ｓａｙ,               "ｉｔ'ｓ               ｎｏｔ               ｃｏｓｔ               ｅｆｆｅｃｔｉｖｅ               ｔｏ               ｄｏ               ｓｏ."               Ｉｎｓｔｅａｄ,               ｔｈｅｙ               ｓｉｍｐｌｙ               ｗｒｉｔｅ               ｏｆｆ               ｔｈｅ               ｆｒａｕｄ               ａｍｏｕｎｔｓ               ａｓ               ａｎ               ｅｘｐｅｎｓｅ               ｏｆ               ｄｏｉｎｇ               ｂｕｓｉｎｅｓｓ               ａｎｄ               ｐａｓｓ               ｔｈｅ               ｃｏｓｔ               ｏｎ               ｔｏ               ｕｓ               ａｓ               ｃｒｅｄｉｔ               ｃａｒｄ               ｕｓｅｒｓ               ｉｎ               ｔｈｅ               ｆｏｒｍ               ｏｆ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ａｎｄ               ｍｅｍｂｅｒｓｈｉｐ               ｆｅｅｓ.
               Ｗｈａｔ               ｉｓ               ｅｖｅｎ               ｍｏｒｅ               ｃｈｉｌｌｉｎｇ               ｉｓ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ,               ｉｎ               ｍａｎｙ               ｓｔａｔｅｓ,               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｉｓ               ｎｏｔ               ｅｖｅｎ               ａｇａｉｎｓｔ               ｔｈｅ               ｌａｗ.

Ｔｏ               ｔｏｐ               ｉｔ               ｏｆｆ,               ｉｎ               ｍｏｓｔ               ｃａｓｅｓ               ｉｔ               ｉｓ               ｔｈｅ               ｖｉｃｔｉｍ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               -               -               ｒａｔｈｅｒ               ｔｈａｎ               ｔｈｅ               ｔｈｉｅｆ               -               -               ｗｈｏ               ｍｕｓｔ               ｐｒｏｖｅ               ｈｉｓ               ｏｒ               ｈｅｒ               ｉｎｎｏｃｅｎｃｅ.

Ｆａｉｌｕｒｅ               ｔｏ               ｄｏ               ｓｏ               ｃａｎ               ｒｅｓｕｌｔ               ｉｎ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｈａｒａｓｓｍｅｎｔ               ｏｒ,               ｗｏｒｓｅ               ｙｅｔ,               ｐｒｏｓｅｃｕｔｉｏｎ.

Ａｎｄ               ｉｆ               ｔｈａｔ               ｉｓｎ'ｔ               ｆｒｉｇｈｔｅｎｉｎｇ               ｅｎｏｕｇｈ,               ｔｈｅｒｅ               ｈａｖｅ               ｂｅｅｎ               ｍａｎｙ               ｃａｓｅｓ               ｗｈｅｒｅ               ｉｎｎｏｃｅｎｔ               ｐｅｏｐｌｅ               ｈａｖｅ               ｂｅｅｎ               ａｒｒｅｓｔｅｄ               -               -               ａｎｄ               ｐｒｏｓｅｃｕｔｅｄ               -               -               ｂｅｃａｕｓｅ               ｓｏｍｅｏｎｅ               ｉｓ               ｃｏｍｍｉｔｔｉｎｇ               ｃｒｉｍｅｓ               ｕｎｄｅｒ               ｔｈｅｉｒ               ｎａｍｅｓ.
               Ａｎ               ｅｓｔｉｍａｔｅｄ               10               ｍｉｌｌｉｏｎ               ｐｅｏｐｌｅ               ｉｎ               ｔｈｅ               Ｕ.Ｓ.

ｗｅｒｅ               ｖｉｃｔｉｍｓ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｌａｓｔ               ｙｅａｒ.

Ｔｈｅ               ｍａｊｏｒｉｔｙ               ｏｆ               ｔｈｉｓ               ｆｒａｕｄ               ｗａｓ               ｃｏｍｍｉｔｔｅｄ               ｉｎ               ａ               ｃｏｕｐｌｅ               ｏｆ               ｄｉｆｆｅｒｅｎｔ               ｗａｙｓ.

Ｔｈｅ               ｆｉｒｓｔ               ｉｓ               ｆｉｎａｎｃｉａｌ               ｆｒａｕｄ,               ｗｈｉｃｈ               ｉｎｃｌｕｄｅｓ:
               -               ｂａｎｋ               ｆｒａｕｄ,
               -               ｃｒｅｄｉｔ               ｃａｒｄ               ｆｒａｕｄ,
               -               ｓｏｃｉａｌ               ｐｒｏｇｒａｍ               ｆｒａｕｄ,
               -               ｃｏｍｐｕｔｅｒ               ａｎｄ               ｔｅｌｅｃｏｍｍｕｎｉｃａｔｉｏｎ               ｆｒａｕｄ,
               -               ｔａｘ               ｒｅｆｕｎｄ               ｆｒａｕｄ,               ｍａｉｌ               ｆｒａｕｄ               ａｎｄ               ｍｏｒｅ.
               Ｔｈｅ               ｏｔｈｅｒ               ｉｓ               ｃｒｉｍｉｎａｌ               ｆｒａｕｄ,               ｗｈｉｃｈ               ｉｎｖｏｌｖｅｓ               ｔｈｅ               ｔｈｅｆｔ               ｏｆ               ｓｏｍｅｏｎｅ'ｓ               ｉｄｅｎｔｉｔｙ               ｉｎ               ｏｒｄｅｒ               ｔｏ:
               -               ｃｏｍｍｉｔ               ａ               ｃｒｉｍｅ,
               -               ｇｅｔ               ｓｐｅｃｉａｌ               ｐｅｒｍｉｔｓ,
               -               ｃｏｍｍｉｔ               ａｃｔｓ               ｏｆ               ｔｅｒｒｏｒｉｓｍ,
               -               ｅｎｔｅｒ               ａｎｏｔｈｅｒ               ｃｏｕｎｔｒｙ,               ｏｒ
               -               ｈｉｄｅ               ｔｈｅｉｒ               ｒｅａｌ               ｉｄｅｎｔｉｔｙ.
               Ｃｒｉｍｅｓ               ｔｙｐｉｃａｌｌｙ               ｉｎｃｌｕｄｅ               ｃｏｍｐｕｔｅｒ               ｏｒ               ｃｙｂｅｒ               ｃｒｉｍｅ,               ｄｒｕｇ               ｔｒａｆｆｉｃｋｉｎｇ,               ｍｏｎｅｙ               ｌａｕｎｄｅｒｉｎｇ,               ａｎｄ               ｅｖｅｎ               ｃｅｒｔａｉｎ               ｋｉｎｄｓ               ｏｒｇａｎｉｚｅｄ               ｃｒｉｍｅ.
               Ｅｖｅｎ               ｉｎ               ｔｈｉｓ               ｄａｙ               ａｎｄ               ａｇｅ,               ｍａｎｙ               ｐｅｏｐｌｅ               ｄｏｎ'ｔ               ｕｎｄｅｒｓｔａｎｄ               ｈｏｗ               ｅａｓｉｌｙ               ｃｒｉｍｉｎａｌｓ               ｃａｎ               ｏｂｔａｉｎ               ｙｏｕｒ               ｉｎｆｏｒｍａｔｉｏｎ.

Ｃｒｅｄｉｔ               ｃａｒｄ               ｆｒａｕｄ               ｉｓ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｉｎ               ｉｔｓ               ｓｉｍｐｌｅｓｔ               ｆｏｒｍ.

Ｍｉｓｔａｋｅｓ               ｌｉｋｅ               ｌｅａｖｉｎｇ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｒｅｃｅｉｐｔ               ｌｙｉｎｇ               ａｒｏｕｎｄ               ｃａｎ               ｈｅｌｐ               ｉｄｅｎｔｉｔｙ               ｔｈｉｅｖｅｓ               ｇａｉｎ               ａｃｃｅｓｓ               ｔｏ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ.

Ｓｏｍｅ               ｒｅｃｅｉｐｔｓ               ｏｎｌｙ               ｌｉｓｔ               ｔｈｅ               ｌａｓｔ               ｆｏｕｒ               ｎｕｍｂｅｒｓ               ｏｆ               ｔｈｅ               ｉｄｅｎｔｉｆｉｃａｔｉｏｎ               ｎｕｍｂｅｒ,               ｂｕｔ               ｍａｎｙ               ｏｔｈｅｒｓ               ｓｔｉｌｌ               ｌｉｓｔ               ｔｈｅ               ｅｎｔｉｒｅ               ａｃｃｏｕｎｔ               ｎｕｍｂｅｒ.

Ｉｆ               ｔｈｅ               ｒｅｃｅｉｐｔ               ｉｓ               ｓｉｇｎｅｄ,               ｔｈｅ               ｔｈｉｅｆ               ｈａｓ               ｎｏｔ               ｏｎｌｙ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｎｕｍｂｅｒ               ｂｕｔ               ａｌｓｏ               ａ               ｓｉｇｎａｔｕｒｅ               ｔｏ               ｃｏｐｙ.
               Ａｎｏｔｈｅｒ               ｃｏｍｍｏｎ               ｗａｙ               ｔｏ               ｃｏｍｍｉｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｆｒａｕｄ               ｉｓ               ｂｙ               ｐｉｃｋｉｎｇ               ｕｐ               ｄｉｓｃａｒｄｅｄ               ｐｒｅ-ａｐｐｒｏｖｅｄ               ｃｒｅｄｉｔ               ｏｆｆｅｒｓ.

Ｍｏｓｔ               ｐｅｏｐｌｅ               ｓｉｍｐｌｙ               ｔｏｓｓ               ａｗａｙ               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｍａｉｌ               ｗｉｔｈｏｕｔ               ａ               ｓｅｃｏｎｄ               ｔｈｏｕｇｈｔ.

Ｂｕｔ               ａ               ｃｌｅｖｅｒ               ｔｈｉｅｆ               ｃａｎ               ｅａｓｉｌｙ               ｕｓｅ               ｉｔ               ｔｏ               ｍａｉｌ               ｉｎ               ａ               ｒｅｑｕｅｓｔ               ｆｏｒ               ｔｈｅ               ｃａｒｄ,               ｕｎｄｅｒ               ａ               ｎｅｗ               ａｄｄｒｅｓｓ,               ａｎｄ               ｓｔａｒｔ               ｃｈａｒｇｉｎｇ               ｉｍｍｅｄｉａｔｅｌｙ.

Ｔｈｅｙ               ｃａｎ               ｅｖｅｎ               ａｐｐｌｙ               ｆｏｒ               ａ               ｃａｒｄ               ｏｖｅｒ               ｔｈｅ               ｐｈｏｎｅ               ｗｉｔｈ               ｔｈｅ               ｒｉｇｈｔ               ｉｎｆｏｒｍａｔｉｏｎ               ａｔ               ｔｈｅｉｒ               ｆｉｎｇｅｒｔｉｐｓ.

Ｂｅｆｏｒｅ               ｙｏｕ               ｋｎｏｗ               ｉｔ,               ｔｈｅ               ｃｏｍｐａｎｙ               ｓｔａｒｔｓ               ｈａｒａｓｓｉｎｇ               ｙｏｕ               ｆｏｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｐｕｒｃｈａｓｅｓ               ｔｈａｔ               ｙｏｕ               ｎｅｖｅｒ               ｍａｄｅ.
               Ｗｉｔｈ               ａ               ｐｅｒｓｏｎ'ｓ               ｎａｍｅ,               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ,               ａｎｄ               ｄａｔｅ               ｏｆ               ｂｉｒｔｈ,               ａｎ               ｉｎｖｅｎｔｉｖｅ               ｔｈｉｅｆ               ｃａｎ               ｏｂｔａｉｎ               ｌｏａｎｓ,               ａｃｃｅｓｓ               ｙｏｕｒ               ｂａｎｋ               ａｃｃｏｕｎｔ,               ｏｐｅｎ               ａ               ｎｅｗ               ｂａｎｋ               ａｃｃｏｕｎｔ,               ｌｅａｓｅ               ｏｒ               ｂｕｙ               ｃａｒｓ,               ｇｅｔ               ｉｎｓｕｒａｎｃｅ,               ａｎｄ               ｍｕｃｈ               ｍｏｒｅ.

Ｕｎｆｏｒｔｕｎａｔｅｌｙ,               ｔｈｅ               ｄａｍａｇｅ               ｄｏｅｓｎ'ｔ               ｊｕｓｔ               ｅｎｄ               ｔｈｅｒｅ.

Ｐｅｏｐｌｅ               ｈａｖｅ               ｂｅｅｎ               ｄｅｎｉｅｄ               ｅａｒｎｅｄ               ｅｎｔｉｔｌｅｍｅｎｔｓ,               ｐａｓｓｅｄ               ｏｖｅｒ               ｆｏｒ               ｐｒｏｍｏｔｉｏｎ,               ｄｅｎｉｅｄ               ｅｍｐｌｏｙｍｅｎｔ               (ｏｒ               ｅｖｅｎ               ｆｉｒｅｄ),               ｄｅｎｉｅｄ               ｉｎｓｕｒａｎｃｅ,               ｆｏｒｃｅｄ               ｔｏ               ｐａｙ               ｈｉｇｈｅｒ               ｉｎｓｕｒａｎｃｅ               ｒａｔｅｓ,               ｆａｃｅｄ               ＩＲＳ               ａｕｄｉｔｓ,               ａｎｄ               ｍｕｃｈ               ｍｏｒｅ.
               Ｓｉｍｐｌｅ               ａｃｔｓ               ｌｉｋｅ               ｔｏｓｓｉｎｇ               ａｗａｙ               ｐａｙ               ｓｔｕｂｓ               ｏｒ               ｂａｎｋ               ｓｔａｔｅｍｅｎｔｓ               ｃａｎ               ｂｅ               ｆａｔａｌ.

Ｍａｎｙ               ｐｅｏｐｌｅ               ｌｅａｖｅ               ｔｈｅｉｒ               ｃａｒｓ               ｕｎｌｏｃｋｅｄ               ｎｏｔ               ｔｈｉｎｋｉｎｇ               ａｂｏｕｔ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｔｈｅ               ｃａｒ'ｓ               ｒｅｇｉｓｔｒａｔｉｏｎ,               ｗｈｉｃｈ               ｍｕｓｔ               ｂｙ               ｌａｗ               ｂｅ               ｋｅｐｔ               ｉｎ               ｔｈｅ               ｖｅｈｉｃｌｅ,               ｉｓ               ａｌｓｏ               ａ               ｐｌａｙｇｒｏｕｎｄ               ｏｆ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｏｒ               ａｎ               ｉｄｅｎｔｉｔｙ               ｔｈｉｅｆ.

Ｏｔｈｅｒ               ｔａｒｇｅｔｓ               ｆｏｒ               ｔｈｉｅｖｅｓ               ｉｎｃｌｕｄｅ:
               Ｔａｘ               ｎｏｔｉｃｅｓ               ｗｈｉｃｈ               ｃａｎ               ｂｅ               ｓｔｏｌｅｎ               ｆｒｏｍ               ｔｈｅ               ｍａｉｌｂｏｘ;               Ｗ-4               ｉｎｆｏｒｍａｔｉｏｎ               ｗｈｉｃｈ               ｃａｎ               ｂｅ               ｓｔｏｌｅｎ               ｏｕｔ               ｏｆ               ａｎ               ｅｍｐｌｏｙｅｅ'ｓ               ｆｉｌｅ;               Ｈｏｓｐｉｔａｌ               ｒｅｃｏｒｄｓ               ｗｈｉｃｈ               ｃａｎ               ｂｅ               ａｃｃｅｓｓｅｄ               ｂｙ               ａｎ               ｉｎｓｉｄｅｒ;               Ｌａｎｄｌｏｒｄ               ｆｉｌｅｓ               ｗｈｉｃｈ               ｃａｎ               ｏｆｔｅｎ               ｂｅ               ａｃｃｅｓｓｅｄ               ｂｙ               ｍｕｌｔｉｐｌｅ               ｐｅｏｐｌｅ               ｗｉｔｈｉｎ               ｔｈｅ               ｏｒｇａｎｉｚａｔｉｏｎ;               Ｒｅｃｏｒｄｓ               ｆｒｏｍ               ｄｅｐａｒｔｍｅｎｔ               ｓｔｏｒｅｓ               ｗｈｉｃｈ               ｃａｎ               ｅａｓｉｌｙ               ｂｅ               ｈａｃｋｅｄ               ｉｎｔｏ;               ａｎｄ               Ｉｎｔｅｒｎｅｔ               ｓｉｔｅｓ               ｆｒｏｍ               ｍｅｒｃｈａｎｔｓ               ｔｏ               ｃｈａｔ               ｒｏｏｍｓ.

Ｂａｓｉｃａｌｌｙ,               ａｎｙｗｈｅｒｅ               ｔｈａｔ               ｓｔｏｒｅｓ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｌｉｋｅ               ｎａｍｅｓ,               ａｄｄｒｅｓｓｅｓ,               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒｓ,               ｂａｎｋ               ａｃｃｏｕｎｔ               ｎｕｍｂｅｒｓ,               ｅｍｐｌｏｙｍｅｎｔ               ｉｎｆｏｒｍａｔｉｏｎ,               ａｎｄ               ｒａｔｅ               ｏｆ               ｐａｙ               ｃａｎ               ｂｅ               ａ               ｖａｌｕａｂｌｅ               ｔｏｏｌ               ｔｏ               ｈｅｌｐ               ｔｈｉｅｖｅｓ               ｓｔｅａｌ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ.

Ｐｕｂｌｉｃ               ｒｅｃｏｒｄｓ               ａｒｅ               ａｎｏｔｈｅｒ               ｇｒｅａｔ               ｒｅｓｏｕｒｃｅ.

Ｄｒｉｖｅｒ'ｓ               ｌｉｃｅｎｓｅｓ,               ｒｅａｌ               ｅｓｔａｔｅ               ｒｅｃｏｒｄｓ,               ｂｕｓｉｎｅｓｓ               ｒｅｃｏｒｄｓ,               ｖｅｈｉｃｌｅ               ｉｎｆｏｒｍａｔｉｏｎ,               ａｎｄ               ｅｖｅｎ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｌｉｃｅｎｓｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｃａｎ               ｅａｓｉｌｙ               ｂｅ               ｃｏｌｌｅｃｔｅｄ               ｔｈｒｏｕｇｈ               ｐｕｂｌｉｃ               ｅｎｔｉｔｉｅｓ.

Ｓｏｍｅ               ｔｈｉｅｖｅｓ               ｃａｎ               ｅｖｅｎ               ｏｂｔａｉｎ               ｅｎｏｕｇｈ               ｉｎｆｏｒｍａｔｉｏｎ               ｆｒｏｍ               ｓｅｅｍｉｎｇｌｙ               ｉｎｎｏｃｕｏｕｓ               ｓｏｕｒｃｅｓ               ｌｉｋｅ               ｃｌａｓｓｉｆｉｅｄ               ａｄｓ               ａｎｄ               ｐｈｏｎｅ               ｂｏｏｋ               ｌｉｓｔｉｎｇｓ.

Ｔｈｅｒｅ               ａｒｅ,               ｈｏｗｅｖｅｒ,               ｔｈｉｎｇｓ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｄｏ               ｔｏ               ｐｒｏｔｅｃｔ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ               ｆｒｏｍ               ｔｈｅｓｅ               ｔｈｉｅｖｅｓ.

Ｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｉｍｐｏｒｔａｎｔ:
               Ｒｏｕｔｉｎｅｌｙ               ｐｕｌｌ               ａ               ｃｏｐｙ               ｏｆ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｓ.

Ｔｈｉｓ               ｓｈｏｕｌｄ               ｂｅ               ｄｏｎｅ               ａｔ               ｌｅａｓｔ               ｏｎｃｅ               ａ               ｙｅａｒ;               ｔｗｏ               ｏｒ               ｔｈｒｅｅ               ｔｉｍｅｓ               ａ               ｙｅａｒ               ｉｓ               ｐｒｅｆｅｒａｂｌｅ.

Ｃｈｅｃｋ               ｆｏｒ               ｉｎａｃｃｕｒａｃｉｅｓ               ｏｎ               ａ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               ｗｈｉｃｈ               ｒｅｄ               ｆｌａｇ               ｐｏｔｅｎｔｉａｌ               ｐｒｏｂｌｅｍｓ               ｒｉｇｈｔ               ａｗａｙ.

               Ｓｈｒｅｄ               ｅｖｅｒｙｔｈｉｎｇ,               ｉｎｃｌｕｄｉｎｇ               ａｌｌ               ｃｒｅｄｉｔ               ｃａｒｄ               ｒｅｃｅｉｐｔｓ,               ｂａｎｋ               ｓｔａｔｅｍｅｎｔｓ,               ａｎｄ               ｏｔｈｅｒ               ｐｉｅｃｅｓ               ｏｆ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｈａｔ               ｃｏｎｔａｉｎ               ｖａｌｕａｂｌｅ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ.

               Ｋｅｅｐ               ａｎ               ｕｐｄａｔｅｄ               ｌｉｓｔ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｉｎｆｏｒｍａｔｉｏｎ,               ｉｎｃｌｕｄｉｎｇ               ｃｒｅｄｉｔ               ｃａｒｄ               ｎｕｍｂｅｒｓ               ａｎｄ               ｐｈｏｎｅ               ｎｕｍｂｅｒｓ               ｆｏｒ               ｅａｃｈ               ｏｒｇａｎｉｚａｔｉｏｎ               ｓｏ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｒｅｐｏｒｔ               ｄｉｓｃｒｅｐａｎｃｉｅｓ               ａｓ               ｑｕｉｃｋｌｙ               ａｓ               ｐｏｓｓｉｂｌｅ.

               Ｍｏｎｉｔｏｒ               ｙｏｕｒ               ｂａｎｋ               ｓｔａｔｅｍｅｎｔｓ               ａｎｄ               ｃｒｅｄｉｔ               ｃａｒｄ               ｓｔａｔｅｍｅｎｔｓ               ｗｉｔｈ               ａ               ｆｉｎｅ               ｔｏｏｔｈｃｏｍｂ.

Ｉｍｍｅｄｉａｔｅｌｙ               ｒｅｐｏｒｔ               ａｎｙ               ｄｉｓｃｒｅｐａｎｃｉｅｓ.

               Ｒｅｑｕｅｓｔ               ｒｅｍｏｖａｌ               ｆｒｏｍ               ａｌｌ               ｐｒｅ-ａｐｐｒｏｖｅｄ               ｃｒｅｄｉｔ               ｍａｉｌｉｎｇ               ｌｉｓｔｓ.

               Ｒｅｑｕｅｓｔ               ｒｅｍｏｖａｌ               ｆｒｏｍ               ａｌｌ               ｔｅｌｅｍａｒｋｅｔｉｎｇ               ｌｉｓｔｓ.

               Ｋｅｅｐ               ａｌｌ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｎ               ａ               ｓａｆｅ               ｐｌａｃｅ.

Ｓｅｃｕｒｅ               ｐｉｎ               ｎｕｍｂｅｒｓ,               ａｃｃｅｓｓ               ｎａｍｅｓ,               ａｎｄ               ｐａｓｓｗｏｒｄｓ               ａｓ               ｗｅｌｌ               ａｓ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ｃａｒｄｓ,               ｄｒｉｖｅｒ'ｓ               ｌｉｃｅｎｓｅｓ,               ｉｎｓｕｒａｎｃｅ               ｃａｒｄｓ,               ａｎｄ               ｐａｓｓｐｏｒｔｓ.

               Ｍａｋｅ               ｃｅｒｔａｉｎ               ｎｏ               ｏｎｅ               ｉｓ               ｗａｔｃｈｉｎｇ               ｗｈｅｎ               ｕｓｉｎｇ               ａ               ｐｉｎ               ｎｕｍｂｅｒ,               ａｃｃｅｓｓ               ｎａｍｅ,               ｏｒ               ｐａｓｓｗｏｒｄ.

               Ｋｅｅｐ               ｙｏｕｒ               ｃｏｍｐｕｔｅｒ               ｖｉｒｕｓ               ｐｒｏｔｅｃｔｉｏｎ               ｕｐｄａｔｅｄ.

               Ｏｎｌｙ               ｕｓｅ               ａ               ｓｅｃｕｒｅ               ｂｒｏｗｓｅｒ               ｗｈｅｎ               ｐｌａｃｉｎｇ               ａｎ               ｏｎｌｉｎｅ               ｏｒｄｅｒ.

               Ｄｏ               ｎｏｔ               ｒｅｓｐｏｎｄ               ｔｏ               ｅｍａｉｌｓ               ｒｅｑｕｅｓｔｉｎｇ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ.

Ｔｈｅｓｅ               ｇｅｎｅｒａｌｌｙ               ａｓｋ               ｙｏｕ               ｔｏ               ｃｏｎｆｉｒｍ               ｏｒ               ｐｒｏｖｉｄｅ               ａｃｃｏｕｎｔ               ｉｎｆｏｒｍａｔｉｏｎ,               ｐｉｎ               ｎｕｍｂｅｒｓ,               ａｃｃｅｓｓ               ｎａｍｅｓ,               ａｎｄ/ｏｒ               ｐａｓｓｗｏｒｄｓ.

               Ｄｏ               ｎｏｔ               ｐｒｏｖｉｄｅ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｏｖｅｒ               ｔｈｅ               ｐｈｏｎｅ,               ｕｎｌｅｓｓ               ｙｏｕ               ｈａｖｅ               ｖｅｒｉｆｉｅｄ               ｔｈｅ               ｐｅｒｓｏｎ,               ｂｕｓｉｎｅｓｓ,               ｏｒ               ｏｒｇａｎｉｚａｔｉｏｎ.

               Ｎｅｖｅｒ               ｃａｒｒｙ               ｙｏｕｒ               ｓｏｃｉａｌ               ｓｅｃｕｒｉｔｙ               ｃａｒｄ               ｗｉｔｈ               ｙｏｕ.

               Ｒｅｐｏｒｔ               ａｎｙ               ｍｉｓｓｉｎｇ               ｉｎｆｏｒｍａｔｉｏｎ               ｌｉｋｅ               ｍａｉｌ,               ｂｉｌｌｓ,               ｓｔａｔｅｍｅｎｔｓ,               ｅｔｃ.

ａｓ               ｑｕｉｃｋｌｙ               ａｓ               ｐｏｓｓｉｂｌｅ.

               Ｒｅｑｕｉｒｅ               ｐｒｏｏｆ               ｏｆ               ｐｒｉｖａｃｙ               ｐｏｌｉｃｉｅｓ               ｆｒｏｍ               ａｎｙ               ｃｏｍｐａｎｙ               ｗｉｔｈ               ｗｈｉｃｈ               ｙｏｕ               ｗｏｒｋ.

               Ｈａｖｅ               ｙｏｕｒ               ｍａｉｌ               ｈｅｌｄ               ａｔ               ｙｏｕｒ               ｌｏｃａｌ               ｐｏｓｔ               ｏｆｆｉｃｅ               ｏｒ               ａｓｋ               ｓｏｍｅｏｎｅ               ｔｈａｔ               ｙｏｕ               ｔｒｕｓｔ               ｔｏ               ｃｏｌｌｅｃｔ               ａｎｄ               ｈｏｌｄ               ｉｔ               ｆｏｒ               ｙｏｕ               ｕｎｔｉｌ               ｙｏｕ               ｒｅｔｕｒｎ,               ｗｈｅｎ               ｙｏｕ               ａｒｅ               ｔｒａｖｅｌｉｎｇ.

               Ｉｆ               ｙｏｕ               ｍｕｓｔ               ｐａｓｓ               ｏｎ               ｐｅｒｓｏｎａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｔｏ               ｓｏｍｅｏｎｅ,               ｄｏ               ｎｏｔ               ｄｏ               ｉｔ               ａｎ               ｏｐｅｎ               ｐｈｏｎｅ               ｂｏｏｔｈ               ｗｈｅｒｅ               ｐａｓｓｅｒｓｂｙ               ｃａｎ               ｌｉｓｔｅｎ.

Ｕｓｅ               ａ               ｂｏｏｔｈ               ｗｈｅｒｅ               ｙｏｕ               ｃａｎ               ｃｌｏｓｅ               ｔｈｅ               ｄｏｏｒ               ｏｒ               ｗａｉｔ               ｕｎｔｉｌ               ｙｏｕ               ａｒｅ               ａｔ               ａ               ｌｅｓｓ               ｐｕｂｌｉｃ               ｌｏｃａｔｉｏｎ               ｔｏ               ｃａｌｌ.

Ｃｏｎｓｉｄｅｒ               ｅｘｔｒａ               ｐｒｏｔｅｃｔｉｏｎ               ｆｒｏｍ               ｉｄｅｎｔｉｔｙ               ｐｒｏｔｅｃｔｉｏｎ               ｃｏｍｐａｎｉｅｓ               ｓｕｃｈ               ａｓ               ＬｉｆｅＬｏｃｋ.

Ｔｈｅｓｅ               ｃｏｍｐａｎｉｅｓ               ｗｉｌｌ               ｐｅｒｆｏｒｍ               ｓｅｒｖｉｃｅｓ               ｆｏｒ               ｙｏｕ               ｌｉｋｅ               ｓｅｔｔｉｎｇ               ａｌｅｒｔｓ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｓ               ａｎｄ               ｕｐｄａｔｉｎｇ               ｔｈｅｍ               ａｕｔｏｍａｔｉｃａｌｌｙ               ｅｖｅｒｙ               ｎｉｎｅｔｙ               ｄａｙｓ               ｏｒ               ａｓ               ｉｓ               ｒｅｑｕｉｒｅｄ.

Ｔｈｅｙ               ｗｉｌｌ               ａｌｓｏ               ｒｏｕｔｉｎｅｌｙ               ｐｕｌｌ               ｃｏｐｉｅｓ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｓ               ｆｏｒ               ｙｏｕ               ｓｏ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｄｏ               ａ               ｐｅｒｉｏｄｉｃ               ｃｈｅｃｋ.

Ｔｈｅｙ               ｗｉｌｌ               ｍａｋｅ               ｃｅｒｔａｉｎ               ｔｈａｔ               ｙｏｕ               ｎｏ               ｌｏｎｇｅｒ               ｒｅｃｅｉｖｅ               ｐｒｅ-ａｐｐｒｏｖｅｄ               ｃｒｅｄｉｔ               ｏｆｆｅｒｓ.

Ｉｎ               ｔｈｅ               ｅｖｅｎｔ               ｔｈａｔ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｄｏｅｓ               ｏｃｃｕｒ,               ｔｈｅｓｅ               ｉｄｅｎｔｉｔｙ               ｐｒｏｔｅｃｔｉｏｎ               ｃｏｍｐａｎｉｅｓ               ｗｉｌｌ               ｆｉｇｈｔ               ｏｎ               ｙｏｕｒ               ｂｅｈａｌｆ               ｔｏ               ｒｅｇａｉｎ               ｙｏｕｒ               ｇｏｏｄ               ｎａｍｅ.

Ｔｈｅｙ               ｗｉｌｌ               ｅｖｅｎ               ｐａｙ               ｆｏｒ               ｔｈｅ               ｆｉｇｈｔ               ｏｎ               ｙｏｕｒ               ｂｅｈａｌｆ.

Ｔｈｅｉｒ               ｇｕａｒａｎｔｅｅ               ｃｏｖｅｒｓ               ｒｅｉｍｂｕｒｓｅｍｅｎｔ               ｏｆ               ａｎｙ               ａｎｄ               ａｌｌ               ｄｉｒｅｃｔ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ａｒｅ               ｉｎｃｕｒｒｅｄ.

Ｓｏｍｅ               ｗｉｌｌ               ａｃｔ               ａｓ               ａｔｔｏｒｎｅｙ               ｏｎ               ｙｏｕｒ               ｂｅｈａｌｆ.

Ｍｏｓｔ               ｗｉｌｌ               ｗｏｒｋ               ａｓ               ｌｏｎｇ               ａｓ               ｉｔ               ｔａｋｅｓ               ａｎｄ               ｅｘｅｒｔ               ｔｈｅｉｒ               ｂｅｓｔ               ｅｆｆｏｒｔｓ               ｔｏ               ｒｅｓｔｏｒｅ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ               ｔｏ               ｉｔｓ               ｓｔａｔｅ               ｐｒｉｏｒ               ｔｏ               ｔｈｅ               ｔｈｅｆｔ.
               Ｔｈｅ               ｍａｘｉｍｕｍ               ａｍｏｕｎｔ               ｔｈａｔ               ｓｕｃｈ               ｃｏｍｐａｎｉｅｓ               ｗｉｌｌ               ｔｙｐｉｃａｌｌｙ               ｐａｙ               ｉｓ               $1               ｍｉｌｌｉｏｎ               ｏｖｅｒ               ｔｈｅ               ｌｉｆｅ               ｏｆ               ｔｈｅ               ｉｎｃｉｄｅｎｔ.

Ｎｏ               ａｄｄｉｔｉｏｎａｌ               ｆｅｅｓ               ａｒｅ               ａｄｄｅｄ.

(Ｎｏｔｅ:               Ｄｉｒｅｃｔ               ｅｘｐｅｎｓｅｓ               ｉｎｃｌｕｄｅ               ｌｏｓｔ               ｗａｇｅｓ,               ｌｏｎｇ-ｄｉｓｔａｎｃｅ               ｃａｌｌｓ,               ｐｏｓｔａｇｅ               ａｎｄ               ｏｔｈｅｒ               ｍｉｓｃｅｌｌａｎｅｏｕｓ               ｃｏｓｔｓ               ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ａｎｙ               ｆｕｎｄｓ               ｔｈａｔ               ａｒｅ               ａｃｔｕａｌｌｙ               ｓｔｏｌｅｎ               ｆｒｏｍ               ｙｏｕ               ｏｒ               ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｔｈａｔ               ｈｏｌｄｓ               ｙｏｕ               ｒｅｓｐｏｎｓｉｂｌｅ.)
               ＬｉｆｅＬｏｃｋ               ｃｈａｒｇｅｓ               $10               ｐｅｒ               ｍｏｎｔｈ               ｏｒ               $110               ｐｅｒ               ｙｅａｒ               ｐｅｒ               ａｄｕｌｔ.

Ｔｈｅｙ               ｄｏ               ｎｏｔ,               ｈｏｗｅｖｅｒ,               ｏｆｆｅｒ               ｄｉｓｃｏｕｎｔｓ               ｆｏｒ               ｍｕｌｔｉｐｌｅ               ａｄｕｌｔｓ               ｉｎ               ｔｈｅ               ｓａｍｅ               ｈｏｕｓｅｈｏｌｄ               ｓｉｎｃｅ               ｅａｃｈ               ｐｅｒｓｏｎ               ｈａｓ               ｔｈｅｉｒ               ｏｗｎ               ｉｎｄｉｖｉｄｕａｌ               ｉｄｅｎｔｉｔｙ,               ｒｅｑｕｉｒｉｎｇ               ｔｈｅ               ｓａｍｅ               ａｍｏｕｎｔ               ｏｆ               ｗｏｒｋ               ｔｏ               ｐｒｏｔｅｃｔ.

Ｔｈｅｙ               ａｌｓｏ               ｏｆｆｅｒ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｐｒｅｖｅｎｔｉｏｎ               ｆｏｒ               ｃｈｉｌｄｒｅｎ;               ｔｈｅ               ｍｏｓｔ               ｖｕｌｎｅｒａｂｌｅ               ｔａｒｇｅｔｓ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｂｅｃａｕｓｅ               ｎｏ               ｏｎｅ               ｗｉｌｌ               ｌｉｋｅｌｙ               ｆｉｎｄ               ｏｕｔ               ａｂｏｕｔ               ｓｕｃｈ               ｔｈｅｆｔ               ｕｎｔｉｌ               ｔｈｅ               ｃｈｉｌｄ               ｔｕｒｎｓ               18               ａｎｄ               ｉｓ               ｅｌｉｇｉｂｌｅ               ｔｏ               ａｐｐｌｙ               ｆｏｒ               ｃｒｅｄｉｔ.

Ｃｈｉｌｄｒｅｎ               ｕｎｄｅｒ               ｔｈｅ               ａｇｅ               ｏｆ               16               ｃｏｓｔ               $25               ｐｅａｒ               ｙｅａｒ               ｗｈｅｎ               ｏｒｄｅｒｅｄ               ｉｎ               ｃｏｎｊｕｎｃｔｉｏｎ               ｗｉｔｈ               ａｎ               ａｄｕｌｔ               ｅｎｒｏｌｌｍｅｎｔ.

Ｉｔ               ｒｅｑｕｉｒｅｓ               ｎｏ               ｌｏｎｇ-ｔｅｒｍ               ｃｏｍｍｉｔｍｅｎｔ               ａｎｄ               ｃａｎ               ｂｅ               ｃａｎｃｅｌｅｄ               ａｔ               ａｎｙｔｉｍｅ.
               Ｉｎ               ｔｈｅ               ｅｖｅｎｔ               ｙｏｕ               ａｒｅ               ｎｏｔ               ｉｎｔｅｒｅｓｔｅｄ               ｉｎ               ｐｒｏｔｅｃｔｉｎｇ               ｙｏｕｒｓｅｌｆ               ｔｈｒｏｕｇｈ               ｓｕｃｈ               ａ               ｐｒｅｖｅｎｔｉｏｎ               ｐｒｏｇｒａｍ,               ｈｅｒｅ               ｉｓ               ｗｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ｄｏ               ｉｆ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ               ｈａｓ               ｂｅｅｎ               ｓｔｏｌｅｎ:
               Ｃａｌｌ               ｔｈｅ               ｐｏｌｉｃｅ               ａｎｄ               ｆｉｌｅ               ａ               ｒｅｐｏｒｔ               ＩＦ               ｔｈｅｙ               ａｃｃｅｐｔ               ｓｕｃｈ               ｒｅｐｏｒｔｓ.

Ｒｅｍｅｍｂｅｒ               ｔｈａｔ               ｓｅｖｅｒａｌ               ｓｔａｔｅｓ               ｄｏ               ｎｏｔ               ｃｏｎｓｉｄｅｒ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ａ               ｃｒｉｍｅ.

Ｉｆ               ｙｏｕｒ               ｌｏｃａｌ               ｐｏｌｉｃｅ               ｗｉｌｌ               ｎｏｔ               ａｃｃｅｐｔ               ｙｏｕｒ               ｒｅｐｏｒｔ,               ｃｏｎｔａｃｔ               ｙｏｕｒ               ｃｉｔｙ               ａｎｄ               ｓｔａｔｅ               ｏｆｆｉｃｉａｌｓ               ａｎｄ               ｕｒｇｅ               ｔｈｅｍ               ｔｏ               ｄｅｖｅｌｏｐ               ｌｅｇｉｓｌａｔｉｏｎ               ｔｈａｔ               ｗｏｕｌｄ               ｍａｋｅ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ａ               ｃｒｉｍｅ.

               Ｐｌａｃｅ               ａ               "ｆｒａｕｄ               ａｌｅｒｔ"               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｓ               ｂｙ               ｎｏｔｉｆｙｉｎｇ               ａｎｙ               ｏｎｅ               ｏｆ               ｔｈｅ               ｔｈｒｅｅ               ｎａｔｉｏｎａｌ               ｃｏｍｐａｎｉｅｓ.

Ｔｈｅｙ               ｗｉｌｌ,               ｉｎ               ｔｕｒｎ,               ｎｏｔｉｆｙ               ｔｈｅ               ｏｔｈｅｒ               ｔｗｏ.

               Ｃｏｎｔａｃｔ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎ               ａｎｄ               ｌｅｔ               ｔｈｅｍ               ｋｎｏｗ               ｔｈａｔ               ａ               ｔｈｉｅｆ               ｍａｙ               ｂｅ               ｕｓｉｎｇ               ｙｏｕｒ               ｉｄｅｎｔｉｔｙ.

Ｉｆ               ｙｏｕ               ｆｉｎｄ               ｔｈａｔ               ａｎｙ               ｏｆ               ｙｏｕｒ               ａｃｃｏｕｎｔｓ               ｈａｖｅ               ｂｅｅｎ               ｔａｍｐｅｒｅｄ               ｗｉｔｈ,               ｃｌｏｓｅ               ｔｈｅｍ               ｉｍｍｅｄｉａｔｅｌｙ               ａｎｄ               ｒｅｐｏｒｔ               ｔｈｅ               ｉｎｃｉｄｅｎｔ.

Ｓｔｏｐ               ｐａｙｍｅｎｔｓ               ｏｎ               ａｎｙ               ｃｈｅｃｋｓ               ｔｈａｔ               ａｒｅ               ｓｔｉｌｌ               ｏｕｔｓｔａｎｄｉｎｇ               ｔｈａｔ               ｙｏｕ               ｄｉｄ               ｎｏｔ               ｗｒｉｔｅ               ｏｒ               ａｐｐｒｏｖｅ.

Ｃｈａｎｇｅ               ｙｏｕｒ               ＡＴＭ               ｃａｒｄ,               ａｃｃｏｕｎｔ               ｎｕｍｂｅｒｓ,               ａｎｄ               ＰＩＮ               ｎｕｍｂｅｒｓ.

               Ｃｏｎｔａｃｔ               ａｌｌ               ａｇｅｎｃｉｅｓ               ｗｈｅｒｅ               ｙｏｕ               ｈａｖｅ               ａｃｃｏｕｎｔｓ               ｔｈａｔ               ａｎ               ｉｄｅｎｔｉｔｙ               ｔｈｉｅｆ               ｈａｓ               ｔａｋｅｎ               ａｓ               ｗｅｌｌ               ａｓ               ｏｎｅｓ               ｈａｔ               ｈａｖｅ               ｂｅｅｎ               ｃｒｅａｔｅｄ               ｉｎ               ｙｏｕｒ               ｎａｍｅ               ｂｕｔ               ｗｉｔｈｏｕｔ               ｙｏｕｒ               ｋｎｏｗｌｅｄｇｅ.

Ｃａｎｃｅｌ               ｔｈｏｓｅ               ａｃｃｏｕｎｔｓ               ａｎｄ               ｓｔｏｐ               ｐａｙｍｅｎｔｓ               ｏｎ               ｏｒｄｅｒｓ               ｏｒ               ｏｕｔｓｔａｎｄｉｎｇ               ｃｈｅｃｋｓ               ｔｈａｔ               ｈａｖｅ               ｎｏｔ               ｃｌｅａｒｅｄ.

               Ｃｏｎｔａｃｔ               ｔｈｅ               ｍａｊｏｒ               ｃｈｅｃｋ               ｖｅｒｉｆｉｃａｔｉｏｎ               ｃｏｍｐａｎｉｅｓ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｃｈｅｃｋｓ               ｓｔｏｌｅｎ               ｏｒ               ｂａｎｋ               ａｃｃｏｕｎｔｓ               ｅｓｔａｂｌｉｓｈｅｄ.

Ｉｆ               ｙｏｕ               ｋｎｏｗ               ｔｈａｔ               ａ               ｐａｒｔｉｃｕｌａｒ               ｍｅｒｃｈａｎｔ               ｈａｓ               ｒｅｃｅｉｖｅｄ               ａ               ｃｈｅｃｋ               ｓｔｏｌｅｎ               ｆｒｏｍ               ｙｏｕ,               ｃｏｎｔａｃｔ               ｔｈｅ               ｖｅｒｉｆｉｃａｔｉｏｎ               ｃｏｍｐａｎｙ               ｔｈａｔ               ｔｈｅ               ｍｅｒｃｈａｎｔ               ｕｓｅｓ.

               Ｃｏｎｔａｃｔ               ｙｏｕｒ               ｌｏｃａｌ               ＦＢＩ               ｏｆｆｉｃｅ               ａｎｄ               ｆｉｌｅ               ａ               ｒｅｐｏｒｔ.

               Ｆｉｌｅ               ａ               ｃｏｍｐｌａｉｎｔ               ｗｉｔｈ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ.

               Ｃｏｎｔａｃｔ               ａ               ｒｅｐｕｔａｂｌｅ               ｐｒｏｖｉｄｅｒ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｒｅｓｔｏｒａｔｉｏｎ               ｓｅｒｖｉｃｅｓ.

Ｂｅ               ｐｒｅｐａｒｅｄ               ｔｏ               ｐａｙ               ｂｉｇ               ｂｕｃｋｓ               ｆｏｒ               ｔｈｅｉｒ               ｓｅｒｖｉｃｅｓ               ｗｈｉｃｈ               ａｖｅｒａｇｅ               ａｒｏｕｎｄ               $1,000.

Ｉｔ               ｉｓ               ｎｏｔ               ａｌｌ               ｄｏｏｍ               ａｎｄ               ｇｌｏｏｍ               ｗｉｔｈ               ｒｅｇａｒｄ               ｔｏ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ.

Ｍｏｒｅ               ａｎｄ               ｍｏｒｅ               ｉｓ               ｂｅｉｎｇ               ｄｏｎｅ               ａｂｏｕｔ               ｔｈｉｓ               ｃｒｉｍｅ               ｅｖｅｒｙ               ｙｅａｒ.

Ｔｈｅ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｊｕｓｔｉｃｅ               ｎｏｗ               ｐｒｏｓｅｃｕｔｅｓ               ｃａｓｅｓ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｆｒａｕｄ               ａｎｄ/ｏｒ               ｔｈｅｆｔ               ｕｎｄｅｒ               ａ               ｖａｒｉｅｔｙ               ｏｆ               ｆｅｄｅｒａｌ               ｓｔａｔｕｅｓ.

Ｉｎ               1998,               Ｃｏｎｇｒｅｓｓ               ｐａｓｓｅｄ               ｔｈｅ               Ｉｄｅｎｔｉｔｙ               Ｔｈｅｆｔ               ａｎｄ               Ａｓｓｕｍｐｔｉｏｎ               Ｄｅｔｅｒｒｅｎｃｅ               Ａｃｔ.

Ｔｈｉｓ               ｌｅｇｉｓｌａｔｉｏｎ               ｃｒｅａｔｅｄ               ａ               ｎｅｗ               ｏｆｆｅｎｓｅ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ,               ｗｈｉｃｈ               ｐｒｏｈｉｂｉｔｓ               "ｋｎｏｗｉｎｇｌｙ               ｔｒａｎｓｆｅｒ(ｒｉｎｇ)               ｏｒ               ｕｓ(ｉｎｇ),               ｗｉｔｈｏｕｔ               ｌａｗｆｕｌ               ａｕｔｈｏｒｉｔｙ,               ａ               ｍｅａｎｓ               ｏｆ               ｉｄｅｎｔｉｆｉｃａｔｉｏｎ               ｏｆ               ａｎｏｔｈｅｒ               ｐｅｒｓｏｎ               ｗｉｔｈ               ｔｈｅ               ｉｎｔｅｎｔ               ｔｏ               ｃｏｍｍｉｔ,               ｏｒ               ｔｏ               ａｉｄ               ｏｒ               ａｂｅｔ,               ａｎｙ               ｕｎｌａｗｆｕｌ               ａｃｔｉｖｉｔｙ               ｔｈａｔ               ｃｏｎｓｔｉｔｕｔｅｓ               ａ               ｖｉｏｌａｔｉｏｎ               ｏｆ               ｔｈｅ               Ｆｅｄｅｒａｌ               ｌａｗ,               ｏｒ               ｔｈａｔ               ｃｏｎｓｔｉｔｕｔｅｓ               ａ               ｆｅｌｏｎｙ               ｕｎｄｅｒ               ａｎｙ               ａｐｐｌｉｃａｂｌｅ               Ｓｔａｔｅ               ｏｆ               ｌｏｃａｌ               ｌａｗ."               Ｔｈｅ               ｏｆｆｅｎｓｅ               ｃａｒｒｉｅｓ               ａ               ｍａｘｉｍｕｍ               ｔｅｒｍ               ｏｆ               15               ｙｅａｒｓ'               ｉｍｐｒｉｓｏｎｍｅｎｔ,               ａ               ｆｉｎｅ,               ａｎｄ               ｃｒｉｍｉｎａｌ               ｆｏｒｆｅｉｔｕｒｅ               ｏｆ               ａｎｙ               ｐｅｒｓｏｎａｌ               ｐｒｏｐｅｒｔｙ               ｕｓｅｄ               ｏｒ               ｉｎｔｅｎｄｅｄ               ｔｏ               ｂｅ               ｕｓｅｄ               ｔｏ               ｃｏｍｍｉｔ               ｔｈｅ               ｏｆｆｅｎｓｅ.

Ｓｃｈｅｍｅｓ               ｔｏ               ｃｏｍｍｉｔ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｏｒ               ｆｒａｕｄ               ｍａｙ               ａｌｓｏ               ｉｎｖｏｌｖｅ               ｖｉｏｌａｔｉｏｎｓ               ｏｆ               ｏｔｈｅｒ               ｓｔａｔｕｅｓ               ｓｕｃｈ               ａｓ               Ｉｄｅｎｔｉｆｉｃａｔｉｏｎ               Ｆｒａｕｄ,               Ｃｒｅｄｉｔ               Ｃａｒｄ               Ｆｒａｕｄ,               Ｃｏｍｐｕｔｅｒ               Ｆｒａｕｄ,               Ｍａｉｌ               Ｆｒａｕｄ,               ｏｒ               Ｆｉｎａｎｃｉａｌ               Ｉｎｓｔｉｔｕｔｉｏｎ               Ｆｒａｕｄ.

Ｅａｃｈ               ｏｆ               ｔｈｅｓｅ               ｆｅｄｅｒａｌ               ｏｆｆｅｎｓｅｓ               ａｒｅ               ｃｏｎｓｉｄｅｒｅｄ               ｆｅｌｏｎｉｅｓ               ｔｈａｔ               ｃａｒｒｙ               ｓｕｂｓｔａｎｔｉａｌ               ｐｅｎａｌｔｉｅｓ               ｉｎ               ｓｏｍｅ               ｃａｓｅｓ               ａｓ               ｍｕｃｈ               ａｓ               30               ｙｅａｒｓ'               ｉｍｐｒｉｓｏｎｍｅｎｔ,               ｆｉｎｅｓ,               ａｎｄ               ｃｒｉｍｉｎａｌ               ｆｏｒｆｅｉｔｕｒｅ               ｏｆ               ｐｒｏｐｅｒｔｙ.
               Ｂｅｌｏｗ               ａｒｅ               ｐｈｏｎｅ               ｎｕｍｂｅｒｓ               ａｎｄ               ａｄｄｒｅｓｓｅｓ               ｔｈａｔ               ｗｉｌｌ               ｈｅｌｐｆｕｌ               ｔｏ               ｙｏｕ               ｓｈｏｕｌｄ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｒｅｐｏｒｔ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ:
               Ｅｑｕｉｆａｘ               Ｃｒｅｄｉｔ               Ｂｕｒｅａｕ:               Ｔｏ               ｒｅｐｏｒｔ               ｆｒａｕｄ,               ｃａｌｌ               1-800-525-6285               ｏｒ               ｗｒｉｔｅ               Ｐ.Ｏ.

Ｂｏｘ               740250,               Ａｔｌａｎｔａ,               ＧＡ               30374-0250;               ｔｏ               ｏｒｄｅｒ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               (ｆｏｒ               ａｎ               ａｖｅｒａｇｅ               ｃｏｓｔ               ｏｆ               $8),               ｗｒｉｔｅ               Ｐ.Ｏ.

Ｂｏｘ               740241,               Ａｔｌａｎｔａ,               ＧＡ               30374-0241               ｏｒ               ｃａｌｌ               1-800-685-1111;               ｔｏ               ｏｐｔ               ｏｕｔ               ｏｆ               ｐｒｅ-ａｐｐｒｏｖｅｄ               ｃｒｅｄｉｔ               ｏｆｆｅｒｓ,               ｃａｌｌ               1-888-567-8688               ｏｒ               ｗｒｉｔｅ               ｔｏ               Ｅｑｕｉｆａｘ               Ｏｐｔｉｏｎｓ,               Ｐ.Ｏ.

Ｂｏｘ               740123,               Ａｔｌａｎｔａ,               ＧＡ               30374-0123.
               Ｅｘｐｅｒｉａｎ               Ｃｒｅｄｉｔ               Ｂｕｒｅａｕ:               Ｔｏ               ｒｅｐｏｒｔ               ｆｒａｕｄ,               ｃａｌｌ               1-888-397-3742;               ｆａｘ               1-800-301-7196;               ｏｒ               ｗｒｉｔｅ               ｔｏ               Ｐ.Ｏ.

Ｂｏｘ               1017,               Ａｌｌｅｎ,               ＴＸ               75013;               ｔｏ               ｏｒｄｅｒ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               (ｆｏｒ               ａｎ               ａｖｅｒａｇｅ               ｃｏｓｔ               ｏｆ               $8),               ｗｒｉｔｅ               Ｐ.Ｏ.

Ｂｏｘ               2104,               Ａｌｌｅｎ,               ＴＸ               75013               ｏｒ               ｃａｌｌ               1-888-397-3742;               ｔｏ               ｏｐｔ               ｏｕｔ               ｏｆ               ｐｒｅ-ａｐｐｒｏｖｅｄ               ｃｒｅｄｉｔ               ｏｆｆｅｒｓ               ａｎｄ               ｍａｒｋｅｔｉｎｇ               ｌｉｓｔｓ,               ｃａｌｌ               1-800-353-0809               ｏｒ               1-888-5ＯＰＴＯＵＴ               ｏｒ               ｗｒｉｔｅ               ｔｏ               Ｐ.Ｏ.

Ｂｏｘ               919,               Ａｌｌｅｎ,               ＴＸ               75013.
               Ｔｒａｎｓ               Ｕｎｉｏｎ               Ｃｒｅｄｉｔ               Ｂｕｒｅａｕ:               Ｔｏ               ｒｅｐｏｒｔ               ｆｒａｕｄ,               ｃａｌｌ               1-800-680-7289               ｏｒ               ｗｒｉｔｅ               ｔｏ               Ｐ.Ｏ.

Ｂｏｘ               6790,               Ｆｕｌｌｅｒｔｏｎ,               ＣＡ               92634;               ｔｏ               ｏｒｄｅｒ               ａ               ｃｏｐｙ               ｏｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               (ｆｏｒ               ａｎ               ａｖｅｒａｇｅ               ｃｏｓｔ               ｏｆ               $8),               ｗｒｉｔｅ               Ｐ.Ｏ.

Ｂｏｘ               390,               Ｓｐｒｉｎｇｆｉｅｌｄ,               ＰＡ               19064               ｏｒ               ｃａｌｌ               1-800-888-4213;               ｔｏ               ｏｐｔ               ｏｕｔ               ｏｆ               ｐｒｅ-ａｐｐｒｏｖｅｄ               ｏｆｆｅｒｓ               ｏｆ               ｃｒｅｄｉｔ               ａｎｄ               ｍａｒｋｅｔｉｎｇ               ｌｉｓｔｓ,               ｃａｌｌ               1-800-680-7293               ｏｒ               1-888-5ＯＰＯＵＴ               ｏｒ               ｗｒｉｔｅ               ｔｏ               Ｐ.Ｏ.

Ｂｏｘ               97328,               Ｊａｃｋｓｏｎ,               ＭＳ               39238.
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               Ｔｈｅ               ｋｅｙ               ｔｏ               ａｖｏｉｄ               ｈａｖｉｎｇ               ｔｈｉｓ               ｃｒｉｍｅ               ｐｅｒｐｅｔｒａｔｅｄ               ａｇａｉｎｓｔ               ｙｏｕ               ｉｓ               ｅｄｕｃａｔｉｏｎ.

Ｂｅ               ｉｎｆｏｒｍｅｄ               ａｎｄ               ｂｅ               ｐｒｅｐａｒｅｄ.

Ｙｏｕ               ｃａｎ               ｂｅｔ               ｔｈａｔ               ｔｈｅ               ｉｄｅｎｔｉｔｙ               ｔｈｉｅｖｅｓ               ｗｉｌｌ               ｂｅ!

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