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Protect Yourself Against Identity Theft

 

There are some simple steps you can take to reduce or minimize the risk of becoming a victim of identity theft.

 

Practice Safe Internet Use

Delete spam e-mails that ask for personal information and keep your anti-virus and anti-spyware software up-to-date. Shop online only with secure web pages (check the bottom of your browser for an image of a lock or look for "https" in the address bar). Never send credit card numbers, social security numbers and other personal information via e-mail.

 

Destroy Private Records

Tear up or shred credit card statements; ATM, credit or debit card receipts; bank deposit receipts, loan solicitations; and other documents that contain private financial information.

 

Secure Your Mail

Empty your mailbox quickly and consider getting a mailbox lock if your mailbox isn’t secure. When mailing bill payments and checks, consider dropping them off at the post office or a secure mailbox.

 

Be Careful with Your Social Security Number

Your social security number is a major target for identity thieves because it can give them access to your credit report and bank accounts. Never carry your card with you. Instead, memorize your number and keep the card in a secure place at home or in a safe deposit box. Never write or print your social security number on checks.

 

Check Your Credit Report

At least once a year, obtain and review your credit report for suspicious activity. You can request a free copy of your report at www.annualcreditreport.com or by contacting any one of the three major credit reporting agencies.

 

Credit Bureau Contact Information

 

Equifax

Order Credit Report: 1.800.685.1111

Fraud hotline: 1.888.766.0008

www.equifax.com

 

Experian

Order Credit Report: 1.888.397.3742

Fraud Hotline: 1.888.397.3742

www.experian.com

 

Trans Union

Order Credit Report: 1.877.322.8228

Fraud Hotline: 1.800.680.7289

www.tuc.com

 

Beware of Scams

Always be on the defensive with your private information. Never give out personal information to telemarketers or respond to e-mails from someone claiming to be your bank, credit card issuer, a government agency, a charity or other organization. If you think the request is legitimate, contact the company directly to confirm their claims. 


We encourage you to visit these informative websites for more information about common scams:

 

 

 

Source:http://discoveryfcu.practicalmoneyskills.com/personalfinance/creditdebt/identitytheft/protect.php

 
 

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