When you look for Identity Theft Protection make sure it covers ALL areas that theft occurs in. Don’t feel safe with just a band-aid approach, make sure you are really protected.

There are five areas of identity theft.

1. The first area of your identity is your driver's license identity

2. The second, your social security identity

3. The third, your medical identity

4. The fourth, your character or criminal identity

5. The fifth area of identity theft is your financial identity

Let's first start with driver's license identity. When someone steals your driver's license identity, what they have done is taken your driver license number and maybe had a DUI or DWI in your name. You discover it at a routine traffic stop when they want to haul you off to jail for not attending court. Well, you didn't know you had to attend court. A driver's license is effectively our national I.D. system in all of the United States of America. When you show up at an airport, you're going to have to have your driver's license. And, in fact, and we'll talk a about this a little bit later, you could be fined in the state you leave from, and then you show up in another state, and when you go to get back on the plane, there's an outstanding warrant for you there. So, that's your driver's license identity.

Then there's your social security identity. Now our social security number is used, as you well know, for a number of different things. But in this particular case, I want to talk about your social security identity being used by others, potentially an illegal alien or someone else, to earn income and they may not pay the taxes on it. Now that becomes relatively important down the line when you get a notice from the IRS that says that you owe additional taxes because you're in a different tax bracket. Recently we heard reports of people having 37, 38, 80, and 100 more people using their social security in 15, 20, even 30 or 40 different states. So, there's your social security identity.

Your third form of identity is your medical identity. In this case, somebody may use your social security number to actually get and AIDS test in your name rather than in their name. Now that, for instance, could affect your ability to get a job, it could affect your ability to get insurance. Or they may want to steal your insurance benefits, which would affect your lifetime cap if you had a million dollars in lifetime coverage from your insurance carrier, and they had a bad illness and used up $600 or $700,000 of it, obviously that would affect your insurance.

Third thing is they could use your medical identity in order to get into a hospital and then you'd be saddled with the debt. They could have a procedure and you end up with $50 or $100,000 in debt as a result of them stealing your medical identity. And last, and probably worst, is the mixing up of their problems with your actual medical history could result in terrible reactions from you later on when you enter a hospital and they think you're a diabetic, for instance, or think you have heart problems are on certain medications, and, in fact, you're not.

The fourth area of your identity is your character or criminal identity. That's where someone assumes your name and/or social security number and commits a crime in your name. They could commit a drug crime or a crime of prostitution. That is what character criminal identity theft is.

The fifth area of identity is your financial identity. And the thing to remember here is that what you hear is not, in fact, the truth. There is no such thing as zero liability. Most people do not find out about identity theft until 14 months after it occurs. And if someone creates a debt in your name, and you do not deny that debt within 60 days, you, in fact, owe the money. The financial identity theft is becoming a very big deal as the banks begin to enforce what they call Regulation E requiring you to pay the debt even though you did not create it, did not sign a single document, and did not get the money. You, in fact, end up having to pay it back.

I didn’t believe Number 5 but its true - make sure you know in time.  http://cli.gs/Xt6r7D and to view a video go to http://cli.gs/79qHbU  For FREE no obligation information e-mail your request for a free DVD to InfoXpress@gmx or go to the web site