Victims of identity theft often feel victimized twice when identity theft happens to them.
We are all familiar with our legal system where the burden of proof is up to the prosecution for the people and you are innocent until proven guilty.
But with identity theft you are guilty or liable until you prove your innocence.
It doesn’t really seem to make sense but if you look at the logic, it does make sense. Although it puts the victim in a difficult, tedious, and time consuming position of defending themselves while all the while feeling violated because they are a victim.
Our financial system is set up and regulated by the federal government to provide easy and convenient transactions to keep the economy moving along without interruption. You can thank federal laws that limit your exposure to credit card fraud. They enacted those laws long ago to make people feel comfortable with using credit cards when they were first introduced. If people felt liable they would have been reluctant to use the system. Now our economy is completely tied to credit.
Those laws are visible in other areas as well. Take check cashing scams for example. The thieves take advantage of federal laws that require funds for checks to be made available quickly again, to keep the flow of commerce moving. People get taken due the expediency that banks provide funds for check presented, but then find out weeks later that the check was returned as a fraudulent device. You become ultimately liable for any fraudulent check that you present for funds.
In both cases of checks or credit cards you were given the benefit of the transaction in real time while it may be quite some time before the bank or you determine fraud has occurred. In the case of credit card fraud you need to prove that you did not actually make the fraudulent charges and with a check the bank relies on you to know who you are conducting business with.
The banking system really is set to benefit you, so when something goes awry you need to prove you were not involved. Most people never consider that when they conduct transactions. Who is to say that you where not involved in a fraudulent transaction and were not colluding with the perpetrator from the start.
If you become a victim of identity theft, you are really a victim in the eyes of others only after you prove it, and that will never feel good.
Wednesday, August 8, 2007
Wednesday, July 25, 2007
Can Past Lessons Offer Clues to Combating Identity Theft?
In 1994 about 58 percent of the US population was buckling up. By mid 2006 approximately 81% of the US population buckled up. Why the dramatic change? Did everyone suddenly recognize that the seatbelts they had been ignoring for years were suddenly cool? No, the reality came partially with education campaigns and laws enacted by many states in the 80’s that forced or convinced people to buckle up.
Today, the generation who never or barely used seat belts is giving way to a generation who has always used them. Part education, part learned behavior, but regardless the effort has paid off immensely. There are thousands alive today that would not be, if this effort had not been undertaken by numerous agencies, both public and private. Local television news channels tout that drivers of horrific looking accidents survived because they were buckled in. All of this adds to awareness and the effort has made seatbelt use the norm not the exception.
So how well is education and enforcement working? The latest numbers available from the US Department of Transportation shows an increase in drivers, miles driven, and number of registered cars on the road. But the fatalities per number of licensed drivers, per miles driven, and per registered vehicles, have been steadily dropping since 1994. The statistics from the NHTSA from 1986-1999 have clearly demonstrated an absolute link to the reduction in fatalities from seatbelt use.
This proves that the plan of educating and enforcement has worked and continues to work up to this day, but shockingly 19%, or 1 out of 5 still don’t think they need this life saving device. They live in the world of “it will never happen to me”, or “it only happens to other people”. Yet, every 13 minutes there is a vehicle fatality and of those some deaths could be avoided with a seatbelt if the person had only believed or understood.
How this is similar to identity theft is when it comes to our identities many are living in the same world of “it will never happen to me”, or “it only happens to other people”. There are many simple but effective changes people can initiate to stop identity theft from happening but choose not to. There are preventative measures they can put in place to mitigate it, but the majority will sit and wait for something to happen before they react.
As with seat belts, only until people become educated will they take the steps to prevent an event from occurring. Many still refuse to embrace technology to reduce risk, and instead they avoid or ignore it.
Over time, thousands lost lives while sitting on the simplistic technology of an unused seat belt. Will consumers finally step up to the plate and take simple but effective pro-active steps to prevent identity theft, or will they continue to ride around unbuckled and hope an accident never occurs? Every 21 seconds there are 3 new identity theft victims, of which 2 were potentially preventable by the victim.
Abatement of identity theft will start to change significantly once individuals start to take control of their personal behavior and not rely on others or hoping nothing will happen to them. Recognizing the vulnerabilities in personal everyday habits and making changes will reduce your risk significantly.
Many are already recognizing that they need to do something, and the actions of those will undoubtedly start a trend. But for those who are unsure of what to do, and still do nothing, are likely to become tomorrow’s victims.
Hopefully it doesn’t take 15 years for 80% of the population to finally become educated on how to adequately protect their identity.
Today, the generation who never or barely used seat belts is giving way to a generation who has always used them. Part education, part learned behavior, but regardless the effort has paid off immensely. There are thousands alive today that would not be, if this effort had not been undertaken by numerous agencies, both public and private. Local television news channels tout that drivers of horrific looking accidents survived because they were buckled in. All of this adds to awareness and the effort has made seatbelt use the norm not the exception.
So how well is education and enforcement working? The latest numbers available from the US Department of Transportation shows an increase in drivers, miles driven, and number of registered cars on the road. But the fatalities per number of licensed drivers, per miles driven, and per registered vehicles, have been steadily dropping since 1994. The statistics from the NHTSA from 1986-1999 have clearly demonstrated an absolute link to the reduction in fatalities from seatbelt use.
This proves that the plan of educating and enforcement has worked and continues to work up to this day, but shockingly 19%, or 1 out of 5 still don’t think they need this life saving device. They live in the world of “it will never happen to me”, or “it only happens to other people”. Yet, every 13 minutes there is a vehicle fatality and of those some deaths could be avoided with a seatbelt if the person had only believed or understood.
How this is similar to identity theft is when it comes to our identities many are living in the same world of “it will never happen to me”, or “it only happens to other people”. There are many simple but effective changes people can initiate to stop identity theft from happening but choose not to. There are preventative measures they can put in place to mitigate it, but the majority will sit and wait for something to happen before they react.
As with seat belts, only until people become educated will they take the steps to prevent an event from occurring. Many still refuse to embrace technology to reduce risk, and instead they avoid or ignore it.
Over time, thousands lost lives while sitting on the simplistic technology of an unused seat belt. Will consumers finally step up to the plate and take simple but effective pro-active steps to prevent identity theft, or will they continue to ride around unbuckled and hope an accident never occurs? Every 21 seconds there are 3 new identity theft victims, of which 2 were potentially preventable by the victim.
Abatement of identity theft will start to change significantly once individuals start to take control of their personal behavior and not rely on others or hoping nothing will happen to them. Recognizing the vulnerabilities in personal everyday habits and making changes will reduce your risk significantly.
Many are already recognizing that they need to do something, and the actions of those will undoubtedly start a trend. But for those who are unsure of what to do, and still do nothing, are likely to become tomorrow’s victims.
Hopefully it doesn’t take 15 years for 80% of the population to finally become educated on how to adequately protect their identity.
Monday, July 9, 2007
GAO Reports on Identity Theft, Sort of
Recently the US Government Accountability Office released its findings of a study on the net effect of data breaches, stolen data, and unaccounted for data and how much actual identity theft resulted from such occurrences. They undertook this task to help Congress decide if a federal law should be considered for a national breach notification requirement. Some states already have laws in effect to various degrees requiring notification of data lost so that consumers can take immediate actions to see if they’ve become a victim.
Sounds a bit odd, but breach notification would most likely just give you a heads up a bit sooner if you are a victim. Many times a data breach notification is the first time a victim looks at a bank or credit card statement, balances a checkbook for the first time in ten years, or obtains a credit report.
The GAO was asked to examine three distinct areas
(1) The incidence and circumstances of breaches of sensitive personal information
(2) The extent to which such breaches have resulted in identity theft
(3) The potential benefits, costs, and challenges associated with breach notification requirements.
The GAO used various sources for the research and came up with an earth shattering discovery; data thefts are rampant and occur frequently and are probably underreported due to lack of voluntary or mandatory disclosure.
They also determined they can’t directly link identity theft to many of the data thefts they reviewed because there is not clear and conclusive evidence that directly links those breaches with identity theft. Apparently the identity thieves are not disclosing the abundant sources of their windfall.
There you have it, if it is not conclusive then it must not have occurred, or at least they can’t say it occurred. It does not mean that it didn’t.
They even admitted that the lack of reporting on the part of victims also leads to skewed and invalid data that cannot be used to create a valid statistical picture.
So how do many interpret this : “GAO finds little identity theft results from data breaches”.
Apparently there are a lot of thieves going to a lot of trouble stealing personal data, then changing their minds finding religion and doing nothing with it after all.
But if that is the case, then where did all that personal stolen information come from that results in the billions of dollars in personal losses from the millions of actual victims each year? There was not a place to include them in this report.
Sounds a bit odd, but breach notification would most likely just give you a heads up a bit sooner if you are a victim. Many times a data breach notification is the first time a victim looks at a bank or credit card statement, balances a checkbook for the first time in ten years, or obtains a credit report.
The GAO was asked to examine three distinct areas
(1) The incidence and circumstances of breaches of sensitive personal information
(2) The extent to which such breaches have resulted in identity theft
(3) The potential benefits, costs, and challenges associated with breach notification requirements.
The GAO used various sources for the research and came up with an earth shattering discovery; data thefts are rampant and occur frequently and are probably underreported due to lack of voluntary or mandatory disclosure.
They also determined they can’t directly link identity theft to many of the data thefts they reviewed because there is not clear and conclusive evidence that directly links those breaches with identity theft. Apparently the identity thieves are not disclosing the abundant sources of their windfall.
There you have it, if it is not conclusive then it must not have occurred, or at least they can’t say it occurred. It does not mean that it didn’t.
They even admitted that the lack of reporting on the part of victims also leads to skewed and invalid data that cannot be used to create a valid statistical picture.
So how do many interpret this : “GAO finds little identity theft results from data breaches”.
Apparently there are a lot of thieves going to a lot of trouble stealing personal data, then changing their minds finding religion and doing nothing with it after all.
But if that is the case, then where did all that personal stolen information come from that results in the billions of dollars in personal losses from the millions of actual victims each year? There was not a place to include them in this report.
Monday, June 25, 2007
Ohio’s state government places a value on personal information
The latest in the string of embarrassing data breaches involves the state of Ohio whose officials allowed a storage device to be stolen from a car.
This story keeps getting worse as at first it was thought that only 64,000 state employees personal information was on the device, but now they are realizing that a few hundred thousand Ohioan’s information was also on the device. Depending on the source the number varies from 200k to 500k. No matter what it ends up being it is a PR nightmare for the state government and elected officials.
At to add more embarrassment to the situation the person who had it stolen was an intern.
To me an intern is a student or a recently graduated individual who is now working for the state government as an apprentice to learn the ropes, the rules, gain exposure, acquire experience, and even earn college credits. In other words, a rookie.
So with all of the people that work in the state government, an intern is chosen to carry the storage device as a security measure to have copies of data in case something terrible happens. It just didn’t cross anyone’s mind that they were not paying attention to the security of the data at both ends. And something did happen, just not at the end they were expecting.
So with all of the concern about protecting this information they hand it over to an intern who leaves it in a car (by some accounts unlocked) and it disappears. Did the intern even know what they were taking home? Did anyone bother to tell the intern? What was the value of that information on the device if it could be handed over for safekeeping to an intern? The state must have felt it was very little since they gave it to the lowest person on the ladder. But now the value is starting to mount as the state is already spending hundreds of thousands on services to protect individuals and that is just the start.
If whoever took that device does crack into it successfully and spreads the wealth of information all over the internet, you can be assured that institutions that will start to bear the brunt of costs associated with this will surely look to the state for restitution.
Ohio is now falling into the same path as millions of Americans who do not bother to take pro-active steps, but then spend millions on reactions once a breach occurs.
This story keeps getting worse as at first it was thought that only 64,000 state employees personal information was on the device, but now they are realizing that a few hundred thousand Ohioan’s information was also on the device. Depending on the source the number varies from 200k to 500k. No matter what it ends up being it is a PR nightmare for the state government and elected officials.
At to add more embarrassment to the situation the person who had it stolen was an intern.
To me an intern is a student or a recently graduated individual who is now working for the state government as an apprentice to learn the ropes, the rules, gain exposure, acquire experience, and even earn college credits. In other words, a rookie.
So with all of the people that work in the state government, an intern is chosen to carry the storage device as a security measure to have copies of data in case something terrible happens. It just didn’t cross anyone’s mind that they were not paying attention to the security of the data at both ends. And something did happen, just not at the end they were expecting.
So with all of the concern about protecting this information they hand it over to an intern who leaves it in a car (by some accounts unlocked) and it disappears. Did the intern even know what they were taking home? Did anyone bother to tell the intern? What was the value of that information on the device if it could be handed over for safekeeping to an intern? The state must have felt it was very little since they gave it to the lowest person on the ladder. But now the value is starting to mount as the state is already spending hundreds of thousands on services to protect individuals and that is just the start.
If whoever took that device does crack into it successfully and spreads the wealth of information all over the internet, you can be assured that institutions that will start to bear the brunt of costs associated with this will surely look to the state for restitution.
Ohio is now falling into the same path as millions of Americans who do not bother to take pro-active steps, but then spend millions on reactions once a breach occurs.
Monday, June 18, 2007
Think before filling out that Free Prize or Sweepstakes Card
When you are walking through the mall, or at a fair, or even online, chances are you’ll get asked to fill out a form for a chance to win some wonderful prize or receive something for free.
And why not, it costs you nothing and someone’s got to win that new laptop, or the car, or the trip to the moon. A pen in hand and 60 seconds later you feel like you may be getting a call or letter for some fantastic prize. And you were sure to put down your phone number, so when you win, they’ll call right away.
We all like to be optimistic. We all want to think we have got a shot at the big one! I don’t know what the big one is, but it’s big!
Now let’s take a walk to the other side of the isle called reality. In reality there is no real prize, or the person who won it lives in the Arctic circle and the company cannot deliver it. If there is a prize, the barriers to get it may be out of reach. You get the picture, they are trying to get your personal information for a much bigger catch.
But what you may ultimately end up with, is your identity stolen, and you’ll become the victim of identity theft.
When you filled out that form for a prize, you labeled yourself as an optimist. The company who requested the information, may be legitimate, and there may be the prize,, and but may sell that list of names collected to a marketing company. You may end up on a “sucker list”.
Identity thief rings buy “sucker lists” from direct marketing companies. You’ll then be a target for a phone scam or “vishing”. You’ve already given them a good reason to call because you are optimistic or in their terms a “sucker”. Now your wide open, and they will throw every trick in the book at you. This is what they do, this is what they are good at.
The odds of getting your identity stolen are much greater than winning anything, so don’t bother trying to win by giving up information. You will have taken a significant step in defending your identity.
And why not, it costs you nothing and someone’s got to win that new laptop, or the car, or the trip to the moon. A pen in hand and 60 seconds later you feel like you may be getting a call or letter for some fantastic prize. And you were sure to put down your phone number, so when you win, they’ll call right away.
We all like to be optimistic. We all want to think we have got a shot at the big one! I don’t know what the big one is, but it’s big!
Now let’s take a walk to the other side of the isle called reality. In reality there is no real prize, or the person who won it lives in the Arctic circle and the company cannot deliver it. If there is a prize, the barriers to get it may be out of reach. You get the picture, they are trying to get your personal information for a much bigger catch.
But what you may ultimately end up with, is your identity stolen, and you’ll become the victim of identity theft.
When you filled out that form for a prize, you labeled yourself as an optimist. The company who requested the information, may be legitimate, and there may be the prize,, and but may sell that list of names collected to a marketing company. You may end up on a “sucker list”.
Identity thief rings buy “sucker lists” from direct marketing companies. You’ll then be a target for a phone scam or “vishing”. You’ve already given them a good reason to call because you are optimistic or in their terms a “sucker”. Now your wide open, and they will throw every trick in the book at you. This is what they do, this is what they are good at.
The odds of getting your identity stolen are much greater than winning anything, so don’t bother trying to win by giving up information. You will have taken a significant step in defending your identity.
Tuesday, June 12, 2007
Can Check Fraud Become Obsolete?
I am still amazed as I stand in any line at a store and the person in front of me pulls out a checkbook and writes a check, has to dig out a shopper ID card or some other form of ID, then hands it to the cashier. The cashier, with a puzzled look, takes all the documents and writes down information on the check. The cashier hands any ID back to the patron then sticks the paper check into the register 3 different ways.
At about the midway point through this production, I realize why I don’t write checks anymore and the person who invented the debit card should win the Nobel prize. What an incredibly antiquated and outdated system that is still being used by millions of people despite all the pitfalls.
Beyond the fiasco at the register, look at what else this dinosaur system burdens us with:
The number of checks stolen or forged each year is about 500 million checks and over $10 billion in lost revenue. Check fraud in itself is expected to grow at a rate of about 2.5% each year.
The average number of fraudulent checks written daily is about 1.4 million equaling $27.3 million worth of fraudulent checks written everyday.
According to the National Check Fraud Center, check fraud and counterfeiting are the largest and fastest growing problem that the United States financial system now faces. The estimated losses produced annually are over $10 billion and is expected to continue to rise.
Sure checks have their place in very few instances but these statistics coupled with the surge in identity theft, makes me wonder why the banks and other businesses still embrace them.
Why does the public still embrace them as well? The alternative for many will result in anxiety and fear. Debit cards with PIN numbers, all the talk about loosing information in data breaches, plus identity thieves looking over my shoulder at the checkout, all give the feeling of fear.
Reality paints a different picture, because these are the same people who write checks in regular ink, place them in the mailbox in the morning before work, put that red flag up, and never give a thought that they could be contributing to the above statistics by the end of the day.
What can you pro-actively do to help make check fraud obsolete?
1)Switch to an online billpay system
2)Use a debit or credit card for all merchant transactions
3)Have companies that you pay monthly like a utility debit your checking account
But …..if you must still use checks:
1)Don’t put them in your mailbox in the morning and raise that red flag
2)Lock up all checks and deposit slips in your home
3)Don’t carry a checkbook around in a purse or leave it in your car
4)Use a black ink Bic Rollerball or a gel pen to write out any checks, they can’t be washed off
If your are a victim of identity theft and check fraud is one of the causes:
Report stolen checks, and close unauthorized checking and savings accounts.
If you have had checks stolen or bank accounts set up fraudulently, report it to your bank or to one of the check verification companies listed below. (If a merchant rejects your check, ask for the name of the check verification company.)
When you do contact any major check verification companies listed below, request that they notify retailers using their databases not to accept your lost or stolen checks. Place immediate stop payments on any outstanding checks that you have not written.
• CrossCheck: 1-707-586-0551
• International Check Services: 1-800-526-5380
• National Check Fraud Service: 1-843-571-2143
• SCAN: 1-800-262-7771
• Equifax Check Systems: 1-800-437-5120
• TeleCheck: 1-800-710-9898 or 1-800-927-0188
• Chexsystems: 1-800-428-9623
At about the midway point through this production, I realize why I don’t write checks anymore and the person who invented the debit card should win the Nobel prize. What an incredibly antiquated and outdated system that is still being used by millions of people despite all the pitfalls.
Beyond the fiasco at the register, look at what else this dinosaur system burdens us with:
The number of checks stolen or forged each year is about 500 million checks and over $10 billion in lost revenue. Check fraud in itself is expected to grow at a rate of about 2.5% each year.
The average number of fraudulent checks written daily is about 1.4 million equaling $27.3 million worth of fraudulent checks written everyday.
According to the National Check Fraud Center, check fraud and counterfeiting are the largest and fastest growing problem that the United States financial system now faces. The estimated losses produced annually are over $10 billion and is expected to continue to rise.
Sure checks have their place in very few instances but these statistics coupled with the surge in identity theft, makes me wonder why the banks and other businesses still embrace them.
Why does the public still embrace them as well? The alternative for many will result in anxiety and fear. Debit cards with PIN numbers, all the talk about loosing information in data breaches, plus identity thieves looking over my shoulder at the checkout, all give the feeling of fear.
Reality paints a different picture, because these are the same people who write checks in regular ink, place them in the mailbox in the morning before work, put that red flag up, and never give a thought that they could be contributing to the above statistics by the end of the day.
What can you pro-actively do to help make check fraud obsolete?
1)Switch to an online billpay system
2)Use a debit or credit card for all merchant transactions
3)Have companies that you pay monthly like a utility debit your checking account
But …..if you must still use checks:
1)Don’t put them in your mailbox in the morning and raise that red flag
2)Lock up all checks and deposit slips in your home
3)Don’t carry a checkbook around in a purse or leave it in your car
4)Use a black ink Bic Rollerball or a gel pen to write out any checks, they can’t be washed off
If your are a victim of identity theft and check fraud is one of the causes:
Report stolen checks, and close unauthorized checking and savings accounts.
If you have had checks stolen or bank accounts set up fraudulently, report it to your bank or to one of the check verification companies listed below. (If a merchant rejects your check, ask for the name of the check verification company.)
When you do contact any major check verification companies listed below, request that they notify retailers using their databases not to accept your lost or stolen checks. Place immediate stop payments on any outstanding checks that you have not written.
• CrossCheck: 1-707-586-0551
• International Check Services: 1-800-526-5380
• National Check Fraud Service: 1-843-571-2143
• SCAN: 1-800-262-7771
• Equifax Check Systems: 1-800-437-5120
• TeleCheck: 1-800-710-9898 or 1-800-927-0188
• Chexsystems: 1-800-428-9623
Thursday, June 7, 2007
Identity Theft with Obsolete Computers
We are coming to a point in time when many people are replacing their computers with a new faster and sleeker versions that will do just about everything they need to keep up with the multi-media world we now live in.
Judging by the age of the internet going mainstream, it will likely be your 3rd replacement with the last two really being used with much of your personal information embedded somewhere on the hard drive. Ten years ago you thought nothing of donating it to a school, or giving it to another family member or even the local Salvation Army.
If you still think that way today about disposing of that old PC, don’t! Yes you want to do the right thing, help out, be conscious of the environment, or any other good reason you may come up with for not just discarding it. But before you take that step, think about identity theft first. Your personal information from the last few years is somewhere on that hard drive. Sure you deleted it, formatted it, cleaned it, but to a persistent thief, they can dig up anything with a little effort, and they do.
Thieves pick them up on auction sites, at garage sales, in used shops, flea markets, all loaded with personal information.
There are software products in the market ranging from $30-$60 that guarantee you that they will wipe that hard drive clean to department of defense standards. I am not denying the validity of these nor endorsing them, but there are other surefire alternatives.
1)Remove the hard drive before giving the PC to anyone, a replacement will cost very little to the recipient verses buying a new PC.
2)Replace the hard drive and designate that PC as a “kids only” PC, let them download all the spyware and viruses while they fileshare using P2P networks. The keylogger they pick up will find nothing good on Disney.com.
3)Replace the hard drive yourself then donate it or give it away.
4)Recycle the entire PC, but remove the hard drive first. Call your local waste management office to find out how, many designate special days for these items.
5)Keep the PC forever and never let it leave the house (some are sentimental about everything)
So what do you do with that old hard drive that you removed? Just pick your weapon of choice and destroy it. Toss it on the grill for a half hour, smash it with a baseball bat, drill a half dozen holes in it, place it in your tool box and use it when you can’t find that hammer.
All this may seem extreme and time consuming, but the hassle of identity theft is much worse.
Judging by the age of the internet going mainstream, it will likely be your 3rd replacement with the last two really being used with much of your personal information embedded somewhere on the hard drive. Ten years ago you thought nothing of donating it to a school, or giving it to another family member or even the local Salvation Army.
If you still think that way today about disposing of that old PC, don’t! Yes you want to do the right thing, help out, be conscious of the environment, or any other good reason you may come up with for not just discarding it. But before you take that step, think about identity theft first. Your personal information from the last few years is somewhere on that hard drive. Sure you deleted it, formatted it, cleaned it, but to a persistent thief, they can dig up anything with a little effort, and they do.
Thieves pick them up on auction sites, at garage sales, in used shops, flea markets, all loaded with personal information.
There are software products in the market ranging from $30-$60 that guarantee you that they will wipe that hard drive clean to department of defense standards. I am not denying the validity of these nor endorsing them, but there are other surefire alternatives.
1)Remove the hard drive before giving the PC to anyone, a replacement will cost very little to the recipient verses buying a new PC.
2)Replace the hard drive and designate that PC as a “kids only” PC, let them download all the spyware and viruses while they fileshare using P2P networks. The keylogger they pick up will find nothing good on Disney.com.
3)Replace the hard drive yourself then donate it or give it away.
4)Recycle the entire PC, but remove the hard drive first. Call your local waste management office to find out how, many designate special days for these items.
5)Keep the PC forever and never let it leave the house (some are sentimental about everything)
So what do you do with that old hard drive that you removed? Just pick your weapon of choice and destroy it. Toss it on the grill for a half hour, smash it with a baseball bat, drill a half dozen holes in it, place it in your tool box and use it when you can’t find that hammer.
All this may seem extreme and time consuming, but the hassle of identity theft is much worse.
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