Like me, you may have recently received a flier about identity theft via the USPS. Courtesy of the
FTC, I think it does a very good job of summarizing some practical points of how to avoid being a victim. It additionally provides some useful information you may not know.
The following information comes (almost verbatim) from that flier:
DETER
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 out - 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 emails; 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. Visit OnGuardOnline.gov for more information.
Don't use - an obvious password like your birthdate, 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.
DETECT
Be alert to signs that reuire 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
Inspect:
Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history.
- The law requires the major nationwide consumer reporting companies-Equifax, Experian, and TransUnion-to give you a free copy of your credit report each year if you ask for it.
- Visit www.Annual CreditReport.com or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Your financial statements - Review financial accounts and billing statements regularly, looking for charges you did not make.
DEFEND
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 companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
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Equifax: 1.800.525.6285
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Experian: 1.888.EXPERIAN (397.3742)
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TransUnion: 1.800.680.7289
Close accounts. - 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 changed without your okey. Follow up in writing, with copies of supporting documents.
- Use the ID Theft Affidavit at ftc.gov/idtheft to support your written statement.
- 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. - File a report with law enforcement officials to help you with creditors who may want proof of the crime.
Report the theft to the Federal Trace Commission. - your report helps law enforcement officials across the country in their investigations.
- Online: ftc.gov/idtheft
- By phone: 1.877.ID-THEFT (438.4338) or TTY, 1.866.653.4261
- By mail:
Identity Theft Clearinghouse
Federal Trade Commision
Washington, DC 20580