Identity Theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.
identity thieves by safeguarding your information.
- Shred financial documents and paperwork with personal information before you discard them.
- Protect your social security number. Don't carry your social security card in your wallet or write your social security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
- Don't give your personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
- Never click on links sent in unsolicited e-mails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date.
- Don't use obvious passwords like your birth date, your mother's maiden name, or the last four digits of your social security number.
- Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention.
- Bills that do not arrive as expected
- Unexpected credit cards or account statements
- Denials of credit for no apparent reason
- Calls or letters about purchases you did not make
- Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history.
- Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make.
against identity theft as soon as you suspect it.
Place a "Fraud Alert" on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting agencies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
- Equifax: 800.525.6285
- Experian: 888.397.3742
- TransUnion: 800.680.7289
Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain.
- Close any accounts that have been tampered with or established fraudulently.
- Call the security or fraud departments of each company where an account was opened or charged without your okay. Follow up in writing, with supporting documents.
- Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
- Keep copies of documents and records of your conversations about the theft.
- File a police report with law enforcement officials to help with creditors who may want proof of the crime.
Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.
- Online: http://www.ftc.gov/idtheft
- Phone: 877-ID-THEFT
- Mail: Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
You are entitled to a FREE copy of your credit report every year! http://www.annualcreditreport.com/
Here are a few informational pieces to find out more about your credit score. Click the links below:
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