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Identity theft

Reading Time:3 minutes
Why you can trust SCMP

Read the following comprehension passage and answer the multiple-choice questions

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1. In a world where more and more faceless transactions are carried out and in which shop-keepers and bankers do not know the people with whom they are dealing, identity theft has become a serious problem.

2. Determined criminals can gain access to someone's confidential business without too much difficulty. They shoulder-surf to learn our PINs; they sort through people's rubbish in order to find credit card and identity card numbers, and they may even intercept our mail, selecting letters from banks in order to get account numbers and other data they can misuse.

3. The internet has opened up new opportunities for identity theft. Hackers can get into websites loaded with private information. Rather naive people even answer email messages offering free gifts and hand over their details voluntarily.

4. Armed with our numbers, address and date of birth, the thieves can start robbing us. They may buy things on our accounts, make telephone calls at our expense, hire cars and obtain loans in our name, withdraw money from our bank and generally abuse the information they have obtained. If they give false addresses, they can even ensure that it takes time for you to realise what is happening.

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5. How can we protect ourselves? Firstly, we need to be cautious about giving anyone information. When people ring up claiming to be from banks needing to check information, ring them back at the bank's number. Be very suspicious when anyone tells you you have won a prize or suddenly become eligible for some wonderful free gift. Tear up personal documents before throwing them away. See that your mail is secure and not left lying around. React immediately if you do not receive your normal bank statements. Check them thoroughly.

6. If, despite all your care, something goes wrong, contact all financial institutions you have a relationship with. Double check everything to see how far the damage has spread and act energetically to put a stop to it. Call in the police. Treat the situation as an emergency.

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