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The image represents a hacker being able to obtain your password. It is vital to use different passwords for multiple websites. Also, to secure your information using a strong password with unique characters including numbers and symbols is optimal.

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The image represents how easy it is to be a victim of identity theft. The world has now gone digital. The amount of data that we are uploading to the internet makes it easier for scammers to access our personal information.

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This video by CBC news Marketplace was quite informative. It explained how criminals can easily access your information by using low-interest credit card scams to steal your personal information. The scammers called different people under the guise of being their bank or credit card company. Call centres are set up to operate specifically to steal people’s identities. The journalist from Marketplace went to individuals that had their identity stolen, the people in the video were not aware of it. Also, Marketplace set up credit monitoring and fraud alert with both TransUnion and Equifax. Their findings showed that monitoring and fraud alerts are not 100% guaranteed to contact you in the event someone opens an account in your name. The video spoke about stolen information being sold on the dark web. Lastly, Marketplace talked about a preventative measure that is only available in America called credit freezing.

I chose this video to show the implications of identity theft and how it can harm you financially. The most interesting part of this video was the credit freezing. If credit freezing is applied, it locks the scammers out from accessing your information. This service is available in America for free, even though Canada has plans on having it but has not proclaimed it.

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Identity theft: How criminals use a low-interest credit card scam to steal from you (Marketplace)

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This video is about a new scam called SIM card swapping. SIM card swapping happens when a scammer takes control of your mobile phone by porting your phone number to another phone provider to gain access to your email and other information. This scam happened to an individual named Denise in the video, which she is a victim of a scam. Global News explains that two critical errors make this scam work, posting too much information on social media and that the call centre did not for the unique code.
I chose this video because it explained a newer type of scam that has been happening recently. One useful piece of information in this video was the implementation of a new verification system by Rogers.

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SIM card swapping scam leaves victims vulnerable to identity theft

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Video #3- MB woman warns others after identity theft

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Video #3- MB woman warns others after identity theft

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This video from CityNews is about a Winnipeg woman cautioning others, as she threw her expired driver’s licence into the trash which resulted in her identity being stolen. The person who stole the ID was able to get a temporary paper copy to go along with the expired driver’s licence, which became a valid ID. She then proceeded to open several bank accounts at different banks and was able to withdraw all of the victim’s money from her bank account.
I chose this video because even when you think you are safely throwing out your information, someone can still obtain it. One piece of useful information from this video is how the fraudster was eventually caught using facial recognition. Artificial intelligence is one solution to minimize the risk of identity theft.

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MB woman warns others after identity theft

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Video #4- Identifying and preventing identity theft Q&A

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Video #4- Identifying and preventing identity theft Q&A

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This video from CBC news is a Q&A with Jeffery Schwartz, who is an Executive Director of Consolidated Credit Counseling Service of Canada. The Q&A focused on identifying victims of identity theft and ways to prevent people from becoming a victim, and what to do if your identity is stolen. He mentioned that identity theft is more prevalent than 15 years ago. Now, the internet is a main source of fraud because your information is more easily accessible.

I chose this video because it was short but quite informative about the subject. This video was a quick and easy video to watch to understand the risk of identity theft. One thing I found interesting is that Jeffery explaining how to minimize the damage if your identity was stolen by using paid credit monitoring services to protect your accounts.

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Identifying and preventing identity theft

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Website #1- How to avoid or recover from identity theft

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Website #1- How to avoid or recover from identity theft

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This website explains how to avoid and recover from identity theft. It is informative in its explanation of what to do if you are or become a victim of ID theft. Some helpful information was what steps to take to keep your personal and financial information protected to minimize further incidences.

I chose this article because the information given is on the Ontario government website. It is an all-in-one guide that provides knowledge on the subject of identity theft. The most useful piece of information was that the article shows the many ways you can protect your identity at all times, including: at home, shopping, and online.

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Types of ID fraud

Identity theft is when someone uses your personal information without your knowledge for criminal purposes.

They may use the stolen information to gain access to your financial accounts, hack into your online accounts, and/or defraud others. Once they access your personal information, identity thieves can also:

spend money from your accounts

open new bank accounts

change your passwords and contact information for your online accounts

apply for loans, credit cards and benefits in your name

rent an apartment or car

commit other crimes using your credentials

Another form of identity theft is when someone sets up accounts on social media channels or websites using your name, image and/or other information. While this may not cause harm to your financial accounts, it can harm your reputation.

If this happens, check the terms of the social media site or website to find out how to take action against the account that is falsely using your name or likeness. If criminal activity is involved - for example, if someone is creating fake online accounts in your name to harass you - take screen shots of the online activity and file a report with your local police.

How identity is stolen

Common methods include:

stealing your mail

looking for personal documents in your trash

tampering with ATMs or card machines in shops to steal your banking information

taking personal information through public sources (e.g., telephone books and social media)

Identity thieves generally look for:

Your identity may also be stolen from your online transactions. If you don't change your passwords and strengthen your web security features regularly, it can become easy for someone to access your:

email (to steal personal and financial information, schedules etc.)

online shopping accounts (to steal credit card and address information)

banking accounts (to transfer funds, open new accounts or apply for loans)

credit card accounts (to shop and apply for new cards)

government accounts (to change your contact information on government IDs, access benefits, etc.)

Signs of identity theft

Your personal information can be stolen without your knowledge.

Many people find out they've been the victim of identity theft when they're denied a loan, job or rent unexpectedly because of a credit check. This is why it's very important to check your credit report once a year for errors or strange activities.

Others signs of identity theft include:

bills and statements don't arrive when they are supposed to - they may have been stolen from your mailbox or someone may have changed the mailing address for your accounts

you receive calls from collection agencies or creditors for an account you don't have

you receive notification from your bank, credit card or online business about a new account in your name, or added charges

financial account statements show withdrawals or transfers you didn't make

a creditor calls to say you've been approved or denied credit that you haven't applied for

If identity is stolen

The Royal Canadian Mounted Police (RCMP) have step by step advice on what to do if you have mistakenly provided your personal information to an unknown person.

If you think your financial accounts have been breached, you can pay to put an alert on your credit report. This can alert those checking your credit to make sure they are dealing with you and not an imposter.

To minimize any further incidences and to begin the process of clearing any harm done, you should:

keep a log of all your phone calls (write down the name of anyone you talked to, what he or she told you and the date your conversation occurred)

follow up in writing with contacts you've made on the telephone or in person to make sure you have a record of all agreements

make copies and keep all originals of supporting documentation, like police reports and letters to and from companies

keep old files even if you believe the case has been resolved, in case errors reappear on your credit reports or if old issues arise

Protect your identity

empty your mailbox daily (if you're going away on vacation, ask friends or trusted neighbours to pick up your mail or you can also opt for Canada Post's "hold mail" service)

store ID cards and documents, such as birth certificates, social insurance numbers and passports, in a secure place such as a locked fireproof safe

shred any documents and items with personal information once you no longer need them (e.g., expired ID cards, credit card offers and financial statements)

check balances on your statements from banks, credit cards and companies regularly

report any strange activities in your bills and statements, however minor, right away (fraudsters often steal in small amounts from many cards to evade detection)

check your credit report once a year for errors or strange activities (you may also wish to consider purchasing a credit monitoring service that alerts you when there are changes to your credit report or score)

avoid giving out any personal information over the telephone unless you've placed the call yourself or know the business

avoid giving out sensitive personal information like a SIN number or credit card number over the telephone when you're in a public place (you never know who may be listening)

don't put more than your name and address on your personal cheques

When shopping, you should:

carry as few cards and documents as possible, and always check to see the credit card you get back from the cashier is your own

never tell anyone your banking PIN or credit card PIN

make sure no one is watching when you use a banking machine or ATM

avoid using banking or cash machines in isolated or dimly lit areas

avoid giving out too much personal information (you're not required to provide stores your full mailing address, email address and date of birth)

If you're online or on your mobile device:

change your passwords often and make them strong

avoid posting personal information online such as your date of birth and mailing address

make sure you review and understand the privacy settings on all social media sites you use before posting any update (you should review the privacy settings regularly as they often change)

disable the "geo-tracking" option on your phone before posting public photos on social media sites (by default, this option is enabled on most phones and it allows someone to figure out exactly where your photos were taken)

before you sell or dispose of your computer, phone or tablet, completely wipe its hard drive or have the hard drive or device destroyed

consider setting up email alerts that notify you each time your name is used somewhere online

avoid online shopping and banking when using public Wi-Fi as the connection may not be secure

before giving your credit card number or other financial information to a business, make sure that it's a secure website (look for a lock symbol located somewhere on the web page or make sure the URL begins with "https")

after completing a financial transaction online, make sure you sign out of the website and clear your browser's cookies and cache

make sure your computer's anti-virus and other security features to detect malware are up-to-date

don't download apps or software on your phone or tablet unless they're from official app stores or libraries

know that government organizations, financial institutions and police will never email or text to ask for your passwords or PINs

never click on a link from a spam message, especially when it promises rewards, prizes or any exclusive information

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How to avoid or recover from identity theft

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Identity theft is when someone uses your personal information without your knowledge for criminal purposes. They may use the stolen information to gain access to your financial accounts, hack into your online accounts, and/or defraud others.

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Website #2- Canadian ID Theft Nearly Doubles in Pandemic

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Website #2- Canadian ID Theft Nearly Doubles in Pandemic

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This article by Morningstar explains how Canadian identity theft has nearly doubled in the pandemic. A type of theft that has grown in the pandemic was linked to the Canadian Emergency Response Benefit. Criminals would take people’s benefits by login into their accounts then depositing the benefit money elsewhere. The victims of the scams would only find out at the year-end tax form. The article also explains how brutal ID theft can be, as fraudsters can take your information without warning.

I chose this article because it speaks about the current climate of identity theft in the pandemic. A useful piece of information in this article is about the Canadian Emergency Response Benefit scam, as the year-end tax form is coming up and reviewing for abnormalities.

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ID theft's been growing in leaps and bounds in Canada during the pandemic. And investors may need to step up their efforts to protect themselves in the online era: where financial information is more vulnerable than ever to fraud.

According to the Canadian Anti-Fraud Centre (CAFC), during the three years preceding Covid, reports of ID fraud were quite stable at around 9,500. Then, in 2020, that average exploded to 17,377. And 2021 could double that.

More Data, More Fraud

The rise of ID theft "is mostly linked to the CERB (Canadian Emergency Response Benefit) program, explains Jeff Horncastle, supervisor, fraud prevention and intake unit, at the CAFC. "Criminals would log into their victim's account to pick up their benefit and deposit the money into some other bank account. Usually, victims wouldn't know about it until they received their year-end tax forms."

ID theft is a subcategory of fraud, with the difference that it is "personalized". "Fraudsters steal your personal identifiers (driver's license number, social insurance number, passwords), allowing them to transact while pretending to be you, says Karen Wallace, director of investor education at Morningstar. They can buy clothes and furniture, invest money. It happened to me: someone filed a tax report with my social security number. Luckily, the government alerted me that someone had tried to hack my account."

How it Happens

ID theft can be brutal: you go to your online banking account and, lo and behold, it has been drained. You didn't see it coming. It's insidious and may not have set off any alarms until then.

Most often, it happens unknown to you in the background for a few weeks or months. Then bam! It all unravels: you get a call from your credit card issuer because you have an unpaid balance of $25,000 (while your credit limit is only $10,000!) or your bank denies you a loan because your credit rating is too low (while you've always prided yourself in having an impeccable score).

When "bam!" happens, "it's because things have been going on in your back for some time," explains Julie Kuzmic, director of consumer advocacy at Equifax Canada, illustrating her point thus. Some ill-intentioned individual picked up a few identifiers from your wallet that you have left unattended. He calls a bank to get a new credit card, identifies himself as you, uses a few identifiers to confirm his "identity", except for one last detail: he has the card sent to another address. At the outset, he uses the card very prudently, pays his bills on time, solidifies his creditworthiness, and then asks to increase the credit limit on the card. That's when he maxes out the card - and disappears. Then, inevitably, bam: the bank calls you, asking you when you intend to pay an outstanding balance of $25,000 on purchases you never heard of.

Password Markets

However, with ID theft moving increasingly online, passwords become crucial identifiers, "what scammers are increasingly after," notes Horncastle. In the digital world, financial information is more than ever vulnerable to fraud. With just the relevant password, scammers can get access to all your financial accounts and wipe you clean. And the market for identifiers and passwords is, of course, the Web itself, more specifically the dark web points out Wallace. "The fresher the data, the higher the price fetched," she says.

Individuals should be on the lookout for early warning signs of potential fraud. For example, not receiving some bills through the mail, a merchant refusing your check, seeing withdrawals on your bank account that you can't explain, receiving bills from service providers you have never been in contact with.

Dos and Don'ts

The experts we talked to suggest addressing a few things to avoid falling into a fraudster's crosshairs:

1. Protect your computer with up-to-date virus and malware protection and don't respond to any online solicitation that seems suspect, like urgent-looking messages that claim that your computer is infected with viruses.

2. Create strong and diverse passwords. A key trick is to start from a word that is easy to remember for you, let's say "solicitation" and transforming into "shollichittashon", a term no computer sniffer armed with a dictionary can identify, and then add a few unusual characters to it: "!shollichit?tashon333". And wherever it's possible, resort to multi-factor authentication.

3. Be frugal in the personal information you share over social media (email address, children's names, birth dates). This is all material thieves can use to try and bait you into scams and phishing attempts.

4. Beware of public wi-fi, a favoured hunting ground for fraudsters. Certainly don't carry out any financial transactions, because these public networks are typically not secured.

5. Ensure you're regularly reviewing your transactions, especially your credit card bill, for any unauthorized activity.

6. Safeguard personal information in your home, especially if you have service workers come in.

7. Protect your mail and shred documents containing sensitive personal identifiers: credit card bills, bank cheques and statements, pre-approved credit applications.

8. It seems needless to say, but it happens... Don't leave your wallet or purse lying around outside. Ever. Scammers don't just rob your credit card - something easily repaired. They rob the credit identifiers you've built with your card - something much more difficult to repair.

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Canadian ID Theft Nearly Doubles in Pandemic

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ID theft's been growing in leaps and bounds in Canada during the pandemic. And investors may need to step up their efforts to protect themselves in the online era: where financial information is more vulnerable than ever to fraud.

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Website #3- 12 Scary Identity Theft Canada Statistics for 2021

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Website #3- 12 Scary Identity Theft Canada Statistics for 2021

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This article by Marja Pandutor is about 12 scary identify theft Canada statistics for 2021. It focuses on the many ways your identity can be stolen and fraudulently used. The article explained the variety of reasons for identity theft. One reason being some people simply need a fake ID to gain employment. She further explained the many types of ID fraud and theft which include: financial identity theft, criminal identity theft, and someone using a stolen identity to hide from the police. Two major ones are medical identity theft and child identity theft.
I chose this article as it shows insight into identity theft. She provided statistics on identity theft and how the trend is likely to continue as technology becomes more sophisticated. A useful point from this article is the police learned how to deal with fraudsters and were able to reduce the damages.

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Even though the term "identity theft" was coined relatively recently, in 1964, fraudulent use of people's personal info has existed for ages. Identity theft occurs for a variety of reasons - some people simply need a fake identity, others seek financial gain. Yet, others want to assume the identity of influential or famous persons.

Today, we'll focus on identity theft Canada statistics and see how the Great White North deals with this problem.

The thing is:

Whatever the motive, identity theft is always a huge burden for society. However, it's very challenging to accurately estimate the financial toll of identity theft because most cases go unnoticed for a long time.

Moreover, there are many types of ID fraud and theft, including:

✔️Financial identity theft

✔️Criminal identity theft (using someone's identity to hide from the police)

✔️Medical identity theft

✔️Child identity theft

Would you like to find out more? Here's a sneak peek.

Incredible Identity Theft Statistics (Editor's Choice)

Around 49 million US residents experienced some form of ID theft in 2020.

6% of EU residents experienced identity theft between 2016 and 2019.

In Canada, there are 12 victims of ID theft per 100,000 residents and 52 victims of ID fraud.

Identity theft became a crime in Canada in 1998.

Around 21,000 Canadians have been victims of COVID-19 related fraud, a significant proportion of which included identity theft.

ID theft in Canada can be punished by five years of incarceration.

Digital identity theft attempts are on the rise, marking a 218% increase since the start of the COVID-19 pandemic.

Global Identity Theft Facts

1. Around 49 million individuals in the US have fell victim to ID theft and fraud in 2020.

The United States is the country with the most reliable and up-to-date info on identity theft.

And the data is quite scary:

$US56 billion is the financial damage inflicted by scammers in the US in 2020 alone. And $US43 billion damage was caused solely by scammers who contact their victims directly. On average, each US victim of identity theft in 2020 lost around US$1,100.

2. 6% of EU residents experienced at least one incident related to identity theft between 2016 and 2019.

More specifically, 3% of European Union residents experienced one incident linked to identity theft, and 2% suffered two or three incidents. Finally, there are the 1% of unlucky EU residents who have fallen victim to ID theft more than three times.

3. Identity theft stats reveal people in South East Asia are generally worried about ID theft, believing it is a real threat.

According to an analysis by researchers from Bangladesh, 44% of Chinese citizens are worried about falling victim to scammers aiming to steal their identities. This is also true for 65% of Indians, 57% of Malaysians, and 63% of Singaporeans.

Identity Theft in Canada

4. ID theft cases are on the rise in Canada, with 12.46 incidents per 100,000 residents, according to 2019 identity theft statistics.

When we compared this figure to identity theft Canada cases per 100,000 residents in 2010, which stood at 2.3, we can see that ID theft cases have increased six times in the span of a decade.

What's worse:

This trend is likely to continue as technology is becoming more and more implemented in all spheres of life. And we all know just how easy it is to access someone's info once they enter the virtual world.

More specifically, there were around 17,000 Canadian victims of ID theft in 2012. By 2014, this number had increased to 20,000, indicating a massive 20% increase in just two years.

5. The financial toll of identity dropped from $16 million in 2012 to $10 million in 2014.

It might come as a surprise that the financial losses decreased while the total cases of identity fraud in Canada increased. However, there are many ways to explain this peculiar phenomenon.

Here's the scoop:

As we pointed out earlier, there are many types of ID fraud and theft, and not all are equally sinister and damaging. So, it's likely that the type of ID fraud crimes changed in Canada between 2012 and 2014. It's also possible that the police learned how to deal with fraudsters and were able to reduce the damage in spite of the increasing incidence of this type of crime.

6. ID fraud stats from Quebec show that there could have been as many as 338,000 cases of fraud and 240,000 victims in the province in 2006-2007.

This particular 2008 survey of identity theft in Quebec, which included 1,100 residents, points to a worrying trend. According to the Quebec Ministry of Public Security, 40% of all ID fraud cases relate to card cloning, which is incidentally one of the most financially worrisome forms of ID theft.

What's more:

Estimates of the Canadian Identity Theft Support Centre show that in 2008 there were around 2.25 Canadian victims of this type of crime ( 9.1% of the population), with $7.2 billion lost.

7. 2019 fraud statistics for Canada show that there were 52 victims per 100,000 citizens.

Interestingly enough, the rates of ID fraud are much higher compared to Canada identity theft stats. We would expect an inverse relationship because identity theft is a necessary prerequisite of identity fraud. What's remarkable is a steep rise between 2009 (1.6 victims of ID fraud per 100,000 residents) and 2010 (18.2 victims per 100,000 residents).

8. Identity theft Canada statistics from 2020 show that COVID-19 is often used as a pretext.

According to the Canadian Anti-Fraud Centre , 21,923 Canadians have fallen victim to COVID-19 related fraud, many of whom also suffered a theft of personal info. COVID-19 related scams and fraud resulted in a whopping $7.6 million worth of financial damage.

9. Medical identity theft in Canada is still a relatively unknown issue, as only 11% of the population is aware that fraudsters can alter medical records.

More specifically, 11% of participants are familiar with the following scenario:

Fraudsters stealing medical records in order to alter them (add medical conditions) and take the money that would go for treating these imaginary medical conditions.

10. The identity theft in Canada punishment is pretty severe - five years of incarceration.

Five years is the maximum sentence for indictable dispositions, while the maximum sentence for summary dispositions is two years in jail and/or a $5,000 fine.

Knowing the efficiency of the Canadian judicial system and the whole apparatus, we're pretty sure that these sentences are indeed given in the appropriate situations. The Criminal Code recognizes various scenarios:

The Privacy Act and the Personal Information Protection and Electronic Documents Act are pretty clear when it comes to what kind of use of personal info is allowed .

11. Digital ID fraud attempts have risen by 218% since the outbreak of the COVID-19 pandemic.

Credit card fraud statistics for Canada also show that there have been more attempts at this type of crime since the start of the pandemic.

This is not surprising:

A survey has shown that 60% of Canadians mostly use mobile apps for conducting payments, a trend that has asserted itself globally since the beginning of the pandemic.

12. With identity theft coverage of up to $40,000, Aviva is possibly the best choice for identity theft insurance in Canada.

This will perhaps be enough for most victims of ID fraud and theft. As we saw earlier, on average, victims of this type of crime don't lose too much money - nowhere near $40,000. The Co-operators offer coverage of up to 10,000$, which is also pretty decent.

It's safe to conclude that Canada is a fertile ground for ID thieves and fraudsters. Canadians love to use digital financial services and tend to be well off financially. These factors combine to make the Great White North an alluring destination for ID thieves.

Fortunately, the Government of Canada identity theft i nstitutions and services are fast to inform the population about the newest scams. Additionally, there are many ways a victim can report an ID theft crime.

As we've seen, there are many victims of identity theft in Canada. But chances are that most identity theft Canada statistics underestimate the actual impact of this type of crime. Hopefully, better digital education and better government policies will combine to reduce the impact and extent of this prevalent issue.

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12 Scary Identity Theft Canada Statistics for 2021

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Even though the term "identity theft" was coined relatively recently, in 1964, fraudulent use of people's personal info has existed for ages. Identity theft occurs for a variety of reasons - some people simply need a fake identity, others seek financial gain. Yet, others want to assume the identity of influential or famous persons.

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Website #4- Toronto police charge 4 people in alleged identity theft, fraud operation worth millions

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Website #4- Toronto police charge 4 people in alleged identity theft, fraud operation worth millions

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The article by Global News is about the Toronto police conducting a year-long investigation that led to four people (25 to 46 years old) being charged for allegedly being involved in organized crime. During the investigation, the police were able to identify a chain of people involved in the alleged crime. The crimes included identity thefts and making of counterfeit IDs.
I chose this article as it shows how one's identity can be stolen and replicated for the man purpose to commit fraud and for financial gain. One point that stuck out was the fraudsters created a business just for distributing fraudulent gift cards. A piece of useful information from this article was that the police were committed to catching the fraudsters and thieves.

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Toronto police charge 4 people in alleged identity theft, fraud operation worth millions - Toronto | Globalnews.ca

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Toronto police say they have charged four people allegedly involved in an “organized hierarchy” committing identity theft and fraud worth millions of dollars.

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Welcome to my Padlet about identity theft. Identity theft is when your personal information is stolen or compromised. I will be giving an overview on ways of prevention, how to keep your identity safe and different implications from multiple scams.

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1. What did you learn about your topic that surprised you the most?
Researching identity theft as a whole was interesting. One thing that surprised me but at the same time was not shocking was a good amount of information dealing with identity theft online. I understand that the world is more digitalized, but sometimes you never understand the scope of things until you research it.

2. Provide a real-life example of how this topic is relevant or interesting for you.
This is a topic that is relevant to everyone because you never know who can take your identity and use it for malicious reasons. Recently, I had my information stolen, as my school email was hacked and someone used it to send Covid19 links to over 40+ people on my contact list. I had to change my password to make it more unique.

3. If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?
If I were to pass on knowledge to a family member or friend is to be vigilant with your information. There are too many types of ways to gain your identity whether it is online or in person. Remembering who and where your information is going is important to keep your identity safe.