What is P.I.I. and Why Should I Care?
march 16, 2021 | identity theft
The definition of personally identifiable information—PII for short--varies from one person to another. Each of the 50 states has its own opinion, too, since legislatures individually define PII in data breach reporting laws.
To guard PII, you need to know which data has value to a criminal. Your name and date of birth top the list. Social Security Numbers (SSN)—nearly impossible to replace if compromised—are a no-brainer. But there are other documents and records often overlooked. It's time for a scavenger hunt to nail down your own data trove, and slash your risk of identity theft.
What Do You Consider Identifiable?
The most common risks include items like your driver's license and mother’s maiden name. Not everything needs to be routinely checked but many on this list are worth protecting:
- Citizenship papers
- Green cards
- Court records
- Actual SSA cards others use to commit fraud
- Email addresses
- Phone numbers
- Photos that could quickly identify you
- Handwriting samples
- Military and other ID cards
Some Data’s Tougher to Secure
Even if you secure sensitive documents, you carry around another type of identifiable info—your biometric features—that are difficult to protect. These markers are increasingly used for identification.
This tally includes iris patterns, fingerprints, your facial features and even your DNA. If given a choice, think twice before you share those.
Health Info Hazards
Health care also churns out sensitive data—from diagnoses like HIV to medical insurance policy numbers. This collection is known as Protected Health Information or PHI. In addition to the identity theft jeopardy that unsecured PHI creates, there are genuine risks to your physical well-being if data is compromised, or your records get comingled with a thief's.
Medical ID theft is a significant issue because health care costs are high, and folks without insurance get desperate. In these cases, you may already know your thief. Relatives or friends and guests in your home could have ready access to your ID card; they simply snap a photo to grab plan numbers. Untangling bills in this type of ID theft presents a genuine nightmare because consumers have fewer legal protections than with items like credit card abuse.
When a con artist successfully obtains care in your name, test results and other information usually lands in your health record, creating risks during an emergency. If, for example, you have an Rh- blood type like B-, you don't want O+ blood notations in your records. If the thief has no known allergies, but you do, providers could be confused and potentially endanger your life.
HIV tests and other sensitive results should be locking down.
Where Data Sleeps
Consider the many locations where these data points reside. They include:
- Financial statements
- Tax returns
- Retirement files
- ID cards of all types
- The FBI massive databank
Huh? Never heard of that last location? It's the bureau's Next Generation Identification (NGI) storehouse first launched in 2011. Here all sorts of biometric data dwells along with other docs.
The bureau states that rapid searches of NGI help law enforcement with "on-scene access to a national repository of wants and warrants including the Immigration Violator File (IVF) of the National Crime Information Center (NCIC), convicted sex offenders, and known or appropriately suspected terrorists."
Even the most honest individuals should be concerned; many state and local agencies share routinely with NGI. The fingerprint on your driver's license is one example. Imagine the headaches this could create if you become a victim of identity theft, and your data winds up in NGI.
Common sense moves can whittle down the risks.
- Move to electronic files for financial matters—presuming your devices are well-protected.
- Periodically shred all documents with PII that you no longer need on.
- Never carry SSN cards in your wallet. Substitute a photo on your smartphone.
- Store rarely used items in a safe deposit box.
Comprehensive Help Is Available
You should monitor PII and correct all errors in your files ASAP. This includes court records, scams, and other evidence of identity crimes. You could do some of these tasks but they’re extremely time-consuming.
Here's how IDShield can help. We monitor credit accounts, USPS change of address forms, bank account numbers, medical insurance details, payday loans, passports, email addresses, social media and a slew of other PII, so you don't have to waste precious time.
You'll get an alert rapidly if we find any of your data lurking where it shouldn't. If your wallet's lost, we can alert all your creditors. Our licensed private investigators—a unique feature in the business--will help you clear up errors and confusion fast. They’re also available for consultations before you have data concerns. These are just some of the reasons why IDShield's identity monitoring service set a record last December for increased sales and has grown over 180% year over year.
IDShield is a product of Pre-Paid Legal Services, Inc. d/b/a LegalShield (“LegalShield”). LegalShield provides access to identity theft protection and restoration services. For complete terms, coverage and conditions, please see www.idshield.com. All Licensed Private Investigators are licensed in the state of Oklahoma. This is not intended to be legal advice. Please contact an attorney for legal advice or assistance. If you are a LegalShield member, you should contact your Provider Law Firm.
Learn how IDShield can help with:
- Monitoring your credit and other personal information
- Alerting you to potential fraud or theft
- Help restoring your credit and identity