Many people aren’t aware of the credit scams that online users create to take peoples identity and use it to run up credit card debt as well as other harmful debts. However, it’s out there and it’s very real. Phishing is a type of scam that is created to take peoples identity online. Forms of identity taken include (but not limited to): Drivers license numbers, Social Security numbers as well as credit card numbers and bank account information.

ID Theft threatens to reduce your FICO score and harm your credit rating, which can cost thousands of dollars in higher interest and insurance rates. Credit errors can be disputed with the credit bureaus and merchants and your credit rating can be repaired.