Share on Facebook

26 Secrets an Identity Thief Definitely Doesn’t Want You to Know

Watch out: These former identity thieves confess the tricks they use to scam you right under your nose.

01-watch-back-Things An Identity Thief Won't Tell You_616165040-Syda-ProductionsSyda Productions/Shutterstock

Watch your back

In line at the grocery store, I’ll hold my phone like I’m looking at the screen and snap your card as you’re using it. Next thing you know, I’m ordering things online—on your dime. If you lose your wallet, take these 10 steps to stop identity theft.

02-pay-bills-Things An Identity Thief Won't Tell You_Pamela Au/Shutterstock

We see when you pay your bills

That red flag tells the mail carrier—and me—that you have outgoing mail. And that can mean credit card numbers and checks I can reproduce.

03-statement-Things An Identity Thief Won't Tell You_630654053-Sementsova-LesiaSementsova Lesia/Shutterstock

Watch your bank statements

Check your bank and credit card balances at least once a week. I can do a lot of damage in the 30 days between statements. These are the most common digital passwords. Make sure that yours isn’t on the list.

04-chip-Things An Identity Thief Won't Tell You_wk1003mike/Shutterstock

Always get cards with a chip

In Europe, all credit cards have an embedded chip and require a PIN, which makes them a lot harder to hack. Here, I can duplicate the magnetic stripe technology with a $50 machine. These password recovery questions are insanely easy to hack.

05-mail-Things An Identity Thief Won't Tell You_dae sung Hwang/Shutterstock

Track your mail

If a bill doesn’t show up when it’s supposed to, don’t breathe a sigh of relief. Start to wonder if your mail has been stolen.

06-tear-Things An Identity Thief Won't Tell You_EKKAPHAN CHIMPALEE/Shutterstock

Tear up important documents before you throw them away

That’s me driving through your neighborhood at 3 a.m. on trash day. I fill my trunk with bags of garbage from different houses, then sort later. Avoid these reasons that your password security may be weak.

07-throw-Things An Identity Thief Won't Tell You_Suwat wongkham/Shutterstock

You throw away the darnedest things

Preapproved credit card applications, old bills, expired credit cards, checking account deposit slips, and crumpled-up job or loan applications, which have all your personal information. Here are the things in your home that could be spying on you.

08-atm-Things An Identity Thief Won't Tell You_driaticfoto/Shutterstock

Check out ATMs before you use them

If you see something that looks like it doesn’t belong on the ATM or sticks out from the card slot, walk away. That’s the skimmer I attached to capture your card information and PIN.

09-opt-Things An Identity Thief Won't Tell YouGaudiLab/Shutterstock

Opt out

Why don’t more of you call 888-5-OPTOUT to stop banks from sending you preapproved credit offers? You’re making it way too easy for me.

10-photo-Things An Identity Thief Won't Tell You_Dean Drobot/Shutterstock

Get a credit card with your photo on it

I use your credit cards all the time, and I never get asked for ID. A helpful hint: I’d never use a credit card with a picture on it. Here’s when to never use a credit card for payment.

11-pose-Things An Identity Thief Won't Tell You_Kostenko Maxim/Shutterstock

I can pose as you

I can call the electric company, pose as you, and say, “Hey, I thought I paid this bill. I can’t remember—did I use my Visa or MasterCard? Can you read me back that number?” I have to be in character, but it’s unbelievable what they’ll tell me.

12-debit-Things An Identity Thief Won't Tell You_Ti_ser/Shutterstock

Thanks for using your debit card instead of your credit card

Hackers are constantly breaking into retail databases, and debit cards give me direct access to your banking account.

13-credit-Things An Identity Thief Won't Tell You_Iakov Filimonov/Shutterstock

Love that new credit card that showed up in your mailbox

If I can’t talk someone at your bank into activating it (and I usually can), I write down the number and put it back. After you’ve activated the card, I start using it. These are the signs your house is being watched by a burglar.

14-american-Things An Identity Thief Won't Tell You_dean bertoncelj/Shutterstock

My least-favorite credit card?

American Express, because it likes to ask me for your zip code.

15-unlocked-Things An Identity Thief Won't Tell You_Alphonse Leong/Shutterstock

Your unlocked mailbox is a gold mine

I can steal your account numbers, use the convenience checks that come with your credit card statement, and send in pre-approved credit offers to get a card in your name. Stealing mail is easy. Sometimes, I act like I’m delivering flyers. Other times, I just stand there and riffle through it. If I don’t look suspicious, your neighbors just think I’m a friend picking up your mail. These are the safety tips that could save your home from a break-in.

16-old-fashioned-Things An Identity Thief Won't Tell You_boonchoke/Shutterstock

We work the old-fashioned way

Even with all the new technology, most of us still steal your information the old-fashioned way: by swiping your wallet or purse, going through your mail, or dumpster diving. This is how your favorite online stores could be spying on you.

17-dumpster-Things An Identity Thief Won't Tell You_tudioPortoSabbia/Shutterstock

I dig through dumpsters in broad daylight

If anyone asks (and no one does), I just say my girlfriend lost her ring, or that I may have thrown my keys away by mistake.

18-hospital-Things An Identity Thief Won't Tell You_sarawut panchawa/Shutterstock

There’s a lot of info in hospital dumpsters

One time I was on the run and needed a new identity so I went through a hospital dumpster and found a statement with a Puerto Rican social security number for a Manuel Rivera. For a good two years after that, I was Manuel Rivera. I had his name on my apartment, on my paychecks and, of course, on my credit cards. Beware these phone call scams.

19-social-security-Things An Identity Thief Won't Tell You_Lane V. Erickson/Shutterstock

Never add your Social Security to things

Is your Social Security number on your driver’s license or your checks, or is it your account number for your health insurance? Dumb move.

20-aol-Things An Identity Thief Won't Tell You_dennizn/Shutterstock

AOL customers, watch out

When I send out e-mails “phishing” for personal information by posing as a bank or online merchant, I often target AOL customers. They just seem less computer literate—and more likely (I hope) to fall for my schemes. Here’s how you can protect yourself online.

21-public-Things An Identity Thief Won't Tell You_Stefan Holm/Shutterstock

I work in public

I never use my home computer to buy something with a credit card that’s not mine. That’s why you can often find me at the public library.

22-atm-Things An Identity Thief Won't Tell You_191239610-PKpixPKpix/Shutterstock

Use the same ATM

If you use the same ATM every time, you’re a lot more likely to notice if something changes on the machine, like the skimmer I installed. Here are the tricks to outsmart criminals you should know before you need them.

23-salesman-Things An Identity Thief Won't Tell You_tsyhun/Shutterstock

Sometimes I pose as a salesman and go into a small office

After I make my pitch, I ask the secretary to make me a copy. Since most women leave their purses on the floor by their chairs, as soon as they leave the room, I grab their wallet. I also check the top and bottom right-hand drawers of their desks, where I often find company checks.

24-worth-Things An Identity Thief Won't Tell You_Vasin Lee/Shutterstock

How much is your information worth? 

I can buy stolen account information—your name, address, credit card number, and more—for $10 to $50 per account from hackers who advertise on more than a dozen black market web sites. Read up on these ways to not get hacked online.

25-pin-Things An Identity Thief Won't Tell You_alibor Sevaljevic/Shutterstock

Don’t keep your pin number in your wallet

Hey, thanks for writing your PIN number on that little slip of paper in your wallet. I feel like I just won the lottery.

26-wifi-Things An Identity Thief Won't Tell You_LuckyImages/Shutterstock

Don’t use unsecured Wi-Fi

Sure, it may be nice not to have to put in your password when you use an unsecured Wi-Fi connection. But know this: We have software that can scoop up all the data your computer transmits, including your passwords and other sensitive information. Here are the creepy things your phone knows about you.

Originally Published in Reader's Digest