Identity Theft Safety
An identity thief is after information that personally identifies you. This information may include your name, date of birth, address, financial account information, credit card numbers, or social security number.
Most of us do not realize how easy it is to obtain personal data.
- Shoulder surfing – A thief may watch you from a nearby location and observe you type in information such as your credit card number, PIN, or calling card number. They may listen in on a conversation where you give your credit card number over the phone to a hotel or other merchant.
- Dumpster Diving – A thief can obtain valuable information discarded in your trash, such as credit card or bank statements, checks, or other records that contain your name, address, or phone number. A thief may also use a discarded credit card offer you put in the trash to open an account in your name, and then use the account for fraudulent purposes.
- Changing your address – A criminal may attempt to complete a change of address form to have your billing statements and other mail sent to another address.
- Skimming – During an otherwise legal transaction using your credit or bank card, a thief may photograph, copy, or use a small electronic device that captures and stores credit and bank card information.
- Phishing – Through the use of spam, pop-up messages, or other fake email offers, a thief can obtain bank account information, credit card numbers, or other financial information.
- Stealing – A thief may steal your wallet, purse, or mail to use your credit cards or personal information.
- Pretexting – Through the use of false pretenses, a criminal may obtain your information from financial institutions, utility companies, telephone companies, or other sources which may have your personal information.
- Be careful when giving out any personal or financial information. We may use our credit cards, debit cards, or other financial transaction methods several times a day. Be mindful of who you are giving your information to and be alert to any suspicious activity on your financial accounts.
- Ask questions about how your personal information will be used before you give it to anyone. If you do not absolutely have to give personal information, do not give it. You may have the choice to not provide information requested, such as telephone numbers, addresses, or other valuable information.
- If you do not receive credit card bills or other financial statements on time, follow-up on them quickly. Consider paperless statements.
- Only provide your social security number when absolutely necessary. Other forms of identification may suffice.
- Carry only the identification and credit/bank cards you need. If your ID or credit/bank cards are stolen, immediately notify your creditors and/or financial institution by calling them. You then should call the three credit bureaus to request a fraud alert be placed in your file.
- Check your credit report at least once a year. Check for accuracy, any suspicious transactions, or unauthorized activity. Under federal law, you are entitled to a free report from each of the three major agencies every 12 months. Click here to request yours.
- Guard all personal information carefully. Shred bills, statements, receipts, credit applications/offers, expired credit cards, and any other information containing personal or financial information as soon as you no longer need them.
- Immediately contact the fraud units of the three principal credit bureaus.
PO Box 740241
Atlanta, GA 30374
PO Box 2000
Chester, PA 19022-2000
PO Box 1017
Allen, TX 75013
- Describe the situation completely. The credit bureaus will also remove you from a list the agencies provide for pre-approved credit.
- Ask that a fraud alert or protective statement be added to your credit file. Ask how long the statement will remain on your credit file. It should stay on your file for at least a year. When a credit grantor accesses your credit file and sees the fraud alert, they should contact you at your home phone to verify that it was you who requested the credit. You can also add a victim’s statement to your report. “My ID has been used to apply for credit fraudulently. Contact me at (your phone number) to verify all applications.”
- Although these measures may not completely stop new fraudulent accounts from being opened by the thief, they will greatly help. Request a copy of your credit report every few months to monitor new accounts and detect fraud or suspicious activity
- If an account has been fraudulently opened or accessed, contact the security departments for the appropriate creditor/financial institution. Have the accounts closed.
- Report the crime to the local police and obtain a copy of your report to provide to financial institutions or credit companies if requested, and for your personal file.
- Contact the Federal Trade Commission
- Access the on-line ID theft complaint form
- Call toll-free: 1-877-ID-THEFT (438-4338); TDD: 202-326-2502
- Or by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Ave NW, Washington, DC 20580
- United States Department of Justice, Identity Theft and Identity Fraud
- Federal Trade Commission, Fighting Back Against Identity Theft
- Internet Crime Complaint Center (IC3)
- Federal Bureau of Investigation, Common Fraud Schemes
- Federal Trade Commission, Avoiding Credit Card and Charge Card Fraud
- Social Security Administration, Identity Theft and Your Social Security Number
- Identity Theft Resource Center®, Nonprofit Organization