Muchikamu chino zvakakosha kune nyama kunze kweNew Account Fraud
Zvakakosha kunyama kunze kweNew Account Fraud uye zvinokonzerwa nevatengi uye zvikwereti zvekwereti. Sekuzivikanwa mbavha dzinoramba dzichiputsa nheyo dzedhara uye dzichiba Nhamba dzeNyika dzeKachengetedzwa, hutsva hwekubiridzira kwekambani hucharamba huchirwisa vanhu.
New Account Fraud
Nhoroondo yeKunyengeri yeNew Chibharo inowanzozivikanwa nezvehutano hwemari kuburikidza nemazva matsva uchishandisa mamwe mashoko ekuti munhu awane ruzivo rwekuwana michina nemishandirapamwe achishandisa chikwereti chakanaka chomunhu wacho chimiro.
Nhamba Yekuchengetedzwa Kwevanhu (SSN) inowanzowanzo, asi kwete nguva dzose, inodiwa kumiganhu yakawanda yekwereti kuti iite hutsva hwekodha itsva . Paunenge uchitsvaga maakaunti matsva, mbavha inogona kushandisa imwe yero yederi; uyo akabatwa haambofi aona zvikwereti zvezvikwereti izvi zvitsva uye anogona kana kuti asingazogoni kuonana nevakwereta apo chikwereti chinenge chisina kubhadharwa.
Kunyengera Kwebasa
Kune mhando dzakawanda dzehutsva hutsva hwekambani dzinogona kuitika. Kuvhura kwezvinhu zvitsva zvinoshandiswa, kusanganisira gesi, magetsi, foni, kabheji nezvimwe zvinogona kuenzana kusvika kusvika makumi maviri kubva muzana zvehutano hwose. Zvishandiso, guta neguta uye hurumende kutonga, shandisa chikwereti nenzira dzakasiyana. Vakawanda vanoda SSN kuti vashandise mazano, asi vamwe vanongoda zita nekero. Mumamiriro ezvinhu apo hapana SSN inotarisirwa, utsotsi hunowanzotorwa nevanoshandiswa nevanoshungurudzika chete vanozozviziva pavanokumbira kushandiswa muguta iro uye vanorambwa nekuda kwekusabhadhara nembavha.
Zvishandiso zvinoda SSN zvingaita kana kuti hazvisi kutarisa chikwereti chomunhu wacho paanoshandisa iyo nhoroondo itsva. Muzviitiko izvi, mutemo wacho haubhadharwi kubhadharwa kwakabhadhara chikwereti kungangovhara kambani kana kubatanidza chikwereti pamushumo wechikwereti wechikwereti kuburikidza neSSSN yavo. Mune zviitiko izvi, munhu anenge atorwa angangowana chete kana ivo kana chikwereti kuenda kundotarisa chikwereti cheimwe chikwereti uye voona chikwereti uye inorambidzwa chikwereti.
Ndakashanda pane imwe nyaya uye ndakaonekwa pachitambo nemukadzi uyo murume wake akanga achirwa muhondo yeIraqi, paakanga ari pamba achirwa hondo yake pamba. Anonzi mbavha yakaba murume wake uye yakazarura zvinhu zvakawanda pasi pezita rake. Akataurirana ne IRS uye zvivako zvakasiyana-siyana. Mutero waibvunzwa kunyange zvazvo akatsanangura kuti zvakanga zvisingakwanisi kuti murume wake ave akazarura maakaiti. Panguva iyoyo, mbavha yakanga iri kushanda semurume uyu kwemakore 3.5.
Kubiridzira Kwemari
SSNs inotarisirwa kune maakarenda matsva nenzira yezvikwereti kune vakawanda, kana zvisati zviri zvose, zvinhu zvakawanda zvetikiti (semuenzaniso, motokari, zvikepe, dzimba, uye kunyange zviduku, zvikwereti "payday"). Mari dzorudzi urwu dzinokwana kusvika 10 kubva muzana yehutano hwose hwekubata. Kubata kwerudzi rwemhando iyi kunowanzova basa remukati-kureva avo vane ruzivo rwezvinyorwa uye / kana munhu anenge atambudzwa ndivo vari kuita rudzi urwu rwemhosva. Mienzaniso inosanganisira mutengesi wemotokari ane ruzivo rwekodzero yevashandi uye anonzwisisa nzira yekukumbira chikwereti uye kutenga motokari inogona kunge yakaita kuti aite mhosva. Imba yevatengesi vanogona kuwana ruzivo rwevashandi uye vanzwisise kutenga / kutengesa nzira dzemisha uye mari yekuchengetera mari yakave ichizivikanwa kuti inobhadhara chikwereti chekubhadhara sezvo ichienzanirana neakaunti itsva.
Muzviitiko zvose izvi munhu anenge ashungurudzwa haazozive nezvekubiridzira kusvikira motokari yave yakatengeswa pamusika wekunyama uye mushumo hauna kubhadharwa, kana kusvikira imba ichitsvaga kana kuti chikwereti chekunamatira, uye chikwereti chinowedzera.
Credit Card Kunyengera
Inonyanya kubhadharwa uye inowanikwa yakawanda nehuwandu hwekodha yekodha ndiyo itsva kadhi rechikwereti. Chikwereti chekodhi chinonyengedza chinokwana kusvika hafu yevose kubhakwa kwekuzivikanwa. Zvimwe chete, mbavha dzekuziva dzinoda kadhi rechikwereti nekuti ndiyo iyo nhoroondo itsva dzinoshandiswa kuzarura, uye dzinogona kuchinja mumari.
Nzira yechikwereti inobva pa "nyore." Chikwereti chakajeka ndiro nheyo yevanhu vanokweretwa chikwereti, uye kuderera kwacho hakuna kuderedza kubhadhara kadhi rechikwereti . Pakupedzisira ini ndaiverenga, kune vakawanda sehuwandu hweBhiliyoni mabhiriyoni e-pre-approved approved credit card inotumirwa gore negore kune mabhokisi emaklayi evatengi.
Makadhi emakadhi anowanzopiwa kune avo vezera remutemo, 18 pamwe chete. Mumakore gumi nemashanu vanogona kukwanisa kubhadhara pamakadhi evabereki vavo. Asi pakarepo pavanopedza chikoro chesekondari kana kusvika kuzera iro, danho rinotanga. Kana pane vanhu vane mamiriyoni 200 vane makore gumi nemasere uye vanopfuura kugamuchira zvese izvi zvese, iyo yakawanda yemapikisi emajeri inopinda mumarara.
Mbavha chaiye akafanirwa kwenguva refu yapfuura kuti ma-pre-approved applications akawanikwa mumarara vanobata chikamu chekubhadhara mupfungwa yebhadhiro rinobudisa. Mushure mezvose, bhangi rakadumira iyo kune raigamuchirwa, uye apo bhangi richidzoka nemashoko akawanda akatarisa zvakanaka, vanobudisa kadhi. Ndakatarisa zvidzidzo zvakawanda umo mapurogiramu epakadhi ekugadzirwa kwekwereti asati agamuchirwa akabvarurwa noruoko ndokudzokidzwazve pamwe chete, akazadzwa uye akatumirwa mukati-uye kadhi rechikwereti rauya mukati memazuva gumi. Sei? Nokuti, mumaziso ebhangi, data yose inotarisa OK.
Zviri paIndaneti uye pechirnhare zvinongova nyore nyore kutengesa nemhaka yekusaziva kwekutengesa. Zvose inonzi mbavha inoda inoda zvimwe zvikamu zvemashoko-zita, kero, uye SSN uye ivo vabuda uye vanoshanda. Pakombiyuta mapepa endaneti uye kukanda masero efoni kunobatsira kuti mbavha dzisazivikanwe.
Instant Credit
Instant chikwereti chinoreva chimwe chinhu: pakarepo kushandiswa kwekuzivikanwa. Mamwevha mbavha inopisa pamuromo apo pavanowana ruzivo rwevanhu pachavo uye vanove vari muhukuru hwevatengesi vakuru. Iwe kangani wave wakamira muchitoro kana mall, uye wakapa bhedha teddy kana T-shati kuti usayine 10% kubva pane yako inotevera kutenga? Kushandisa kwechikwereti pakarepo kunenge kuri-"pakarepo." Inowanzoitika mumaminitsi mashoma makumi maviri uye inosanganisira kuratidza chiziviso chekutanga nekupa SSN-zvose zvingangowanikwa zviri nyore kana zvisiri izvo.
Chinonyanya kukonzera dambudziko ndechekuti mumwe munhu aine zita remunhu wacho uye ane chiziviso chakafanana nechakaitirwa. Tsanangudzo yekutsvaga paIndaneti inokuudza kuti ndiani anowirirana nezvezita rako uye yaanogara. Kubva ipapo, kuita zvimwe zvitsva kuburikidza nehupfumi hwevanhu uye kuwana chiito kumusha wavo paIndaneti kunogona kupa mumwe ane SSN. Kana izvozvo zvisingakwanisi kushanda, saka kutenga imwe pane zvishomanana zvekutsvaga vashandi vekutsvaga inogona kuita zvinyengeri. Chiri chakaipa ndechokuti mhuri dzine nhengo dzichireva zita rimwechete, uye nhengo dzemhuri dzinowanzotadzirwa nemhosva-madzibaba, vanakomana, vakoma, zvimwe. Zvine nyore zvakakwana kuratidza ID uye kupa mazwi kana mazwi eSNN kune mumwe munhu ane zita rimwe chete. Bharaki anotungamirira sarudzo inowana adiki commission uye anofara kugamuchira.
Kana imwe mbavha chaiyo inogamuchira kadhi idzva, iye "anoikurira kunze" uye haibhadhara chikwereti. Nokufamba kwemazuva, avo vane chikwereti vanoisa pasi paanenge achitambudzwa, vanomupomera mhosva yezvikwereti zvisina kubhadhara, uye vanoda mari yemari. Nhoroondo nhoroondo yekubiridzira inoparadza chikwereti chemunhu wacho uye inosvibisa kuchenesa. Munhu akabatwa angave asina kubhadhara mune zvemari pamhosva yacho, asi achabhadhara munguva, uye nguva ndeyemari. Mune zvimwe zviitiko, vanogona kubhadhara magweta kana vatsva vari voga. Zvichienderana nekunetseka kwavanoita chikwereti chakaita sei, vangave vachida kubvisa nguva kubva kubasa. Kuzivikanwa kwevashandi vakave varambidzwa chikwereti nekuda kwezvikwereti zvisina kubhadharwa mumazita avo uye vakashaya mikana yekutenga dzimba nemigumisiro. Muzviitiko zvakawanda, vanotora chikwereti 'chikwereti chinoparadzwa semugumisiro wezviito zvebavha; izvo zvikwereti zvikwereti zvinokonzerwa nevatengi chikwereti uye kunyange bhizimisi kuti vape mhindu yemari yepamusoro nekuda kwedambudziko ravanoona.