Unfortunately, despite the fact that some are willing to put their life on the line to serve in the United States armed forces, others are willing to take advantage of this sacrifice. As such, you may be disappointed to learn that identity theft often impacts military members. If you’re unsure why servicemembers are impacted at higher rates, the following blog explores what you should know. In addition, you’ll learn the importance of taking preventative steps and connecting with a Los Angeles, California identity theft lawyer to discuss your legal options if your identity has been compromised.
What Makes Military Members More Prone to Identity Theft?
Unfortunately, the nature of military service in and of itself, with frequent relocations and extended periods in which members are unable to access their information, makes service members ideal targets for identity theft.
As many military members are often moving, they may be unable to check their credit report as often as necessary, or assume that new lines of credit are related to the move. Additionally, this means that sensitive information, such as the necessary details to open a new utility account or change insurers, is more likely to be impacted in a data breach.
Additionally, as many members are unable to check their credit while serving in active duty, they may be unaware of fraudulent activity on their accounts. This means that thieves can continue to use someone’s information to commit as much fraud as possible without the victim even knowing this has occurred.
What Steps Can I Take to Protect Myself?
If you are a member of the military, there are several steps you can take to protect your identity while serving. One of the most important tools you can utilize is active duty alerts. These are notices that can be placed on your credit report that inform potential creditors that you are deployed, and thus, they must take additional steps to verify your identity before opening accounts in your name. Typically, this alert will last one year, but it can be renewed for the duration of your deployment. You should also note that this requires the credit bureaus to remove your name from prescreened offers for two years, unless you request that they resume.
You should also consider credit monitoring services, as these can provide additional peace of mind that the information on your report is correct while alerting you to any suspicious activity. Active duty military members are eligible for free monitoring from the major bureaus, as per the Military Credit Monitoring Rule. This can help you stay on top of any activity on your account so you can ensure that it is not the result of fraud.
In the event that your personal information has been compromised and you have experienced identity theft, it’s imperative to take the necessary steps to protect yourself in these difficult times. At Los Angeles Legal Solutions, our firm will explore all potential avenues to help you recover from these difficult times. Just as you have fought for our country, we will fight for you. Contact us today to learn more.
