http://www.washingtonpost.com/wp-dyn/articles/A1026-2002Dec2.html

Identity Theft More Often an Inside Job
Old Precautions Less Likely to Avert Costly Crime, Experts Say
Washington Post Staff Writers
Tuesday, December 3, 2002; Page A01

You can take all the steps you want to protect yourself against identity
theft: Guard your wallet, shred your personal financial papers before
throwing them in the trash, monitor your credit reports.

But no matter how careful you are, you may not be able to avoid having your
identity assumed by someone who wants to go on a buying spree, using your
credit card, bank account, Social Security number or other personal data.

That's because the nature of identity theft has changed and the threat
today is more likely than ever to come from insiders -- employees with
access to large financial databases who can loot personal accounts -- than
from a thief stealing a wallet or pilfering your mail. Banks, companies
that take credit cards and credit-rating bureaus themselves don't do enough
to protect consumer

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