My credit is so bad I wish someone would steal my identity

Many people have said some variation those words in the title of this post to me.   That is proof of just how successful the financial industry was in it’s campaign to educate the public about financial fraud which is a type of identity theft.  The problem is that they called financial fraud identity theft creating a big misconception with the public.

Financial identity theft is only one type of identity theft.  There are several parts to your identity theft have nothing to do with your credit history and good credit or bad credit doesn’t matter.  Thieves can still use the other areas of your identity, for example your criminal history or lack thereof.  And if a thief uses this part of your identity you will wish that they had maxxed out your credit cards instead.

Imagine minding your own business and driving home one afternoon when you see the dreaded blue lights in your rear view mirror.  You look down at the speedometer and realize that you are traveling 10 miles over the speed limit.  You realize that you are about to get a traffic ticket.  You and the officer go through the routine he’s in a good mood and very polite as he tells you that he’s going to run your license. You notice his demeanor has changed on the way back to the car as he aims his weapon at you and orders you out of the car and on the ground.

You of course, are confused.  You don’t have a clue until he tells you that you are under arrest for some serious crime that you didn’t commit.  You are of course telling him the same thing that he hears all the time, “It wasn’t me.”  The only difference between you and all those other criminals that he has arrested is that you are actually telling him the truth.  He just doesn’t believe you because there is a warrant issued in your name.

If you want to see a very good example of Criminal Identity Theft, I suggest you rent the movie The Jackal starring Bruce Willis and Richard Gere.  While it is considered a a Thriller, it’s also a perfect example of Criminal Identity Theft.  Bruce Willis plays the Jackal and commits a series of identity thefts to commit a planned assassination.  There’s even a scene showing how he gets one of his stolen identities.


2 comments on “My credit is so bad I wish someone would steal my identity

  1. Howdy! I could have sworn I’ve been to this site before but after reading through some of the post I realized it’s new to me. Anyhow, I’m definitely glad I found it and I’ll be bookmarking and checking back frequently!

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