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Identity theft and fraudulent use of personal financial records is an ever growing problem around the world. In 2004, the U.S. Federal trade commission conducted a survey that indicated over 9 million consumers are victims of identity theft every several weeks. A 2003 study conducted in britain's suggested that 20% almost all consumers has been subject to identity crime. Clearly, in the English-speaking world, identity fraud is an ever-greater threat to your and financial well-being.

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There were recent reports by several St Louis refinancing experts saying that skimming has received more news attention than ever before due to banking incidents happening at various banks throughout the media. retail loss prevention stores that accept credit and debit cards such as restaurants, bars, gas stations and ATM(s) are starting to be susceptible targets for skimming. All a thief has complete is get yourself a hold of your credit or debt card, scan it through just a little hand-held camera and within minutes has your whole financial information that is stored on a card.

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