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Free Credit report, Identity Theft Survey Report 2003 - Money paid out of pocket

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Identity Theft Survey Report 2003 - Money paid out of pocket.


· For most victims of Identity Theft (63%), there was no loss of money out-of-pocket.
 
· Almost three-quarters of victims who only suffered the misuse of existing credit card accounts had no out-of-pocket losses. However, even for victims of the more serious kinds of ID Theft -- “New Accounts & Other Frauds” -- about half of victims reported incurring no out-of-pocket expenses.
 
· The average amount of out-of-pocket expenses incurred by victims of ID Theft was $500. For those who suffered from “New Accounts & Other Frauds” ID Theft, the average out-ofpocket expense was $1,200.
 
· Victims who quickly discovered that their information was being misused were less likely to incur out-of-pocket expenses. No out-of-pocket expenses were incurred by 67% of those who discovered the misuse less than 6 months after the misuse began. Only 40% of victims who took 6 months or longer to discover the misuse were able to avoid incurring some such expenses.
 
· Victims with household incomes of less than $75,000 were more likely to have paid money out-of-pocket than were victims with higher household incomes (38% v 25%). Residents of the South and West regions were most likely to have out-of-pocket expenses as a result of being a victim of Identity Theft (36% and 35% respectively). Residents of the Northeast region were the least likely to have out-of-pocket expenses (16%).
 
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