14 Steps You Can Take to Prevent Identity
Theft
by: Etienne A. Gibbs, mSW
Becoming a major epidemic, Identity Theft occurs when a criminal
uses another person's personal information to take on that person's
identity. Identity theft includes the misuse of a Social Security
number, credit cards, mail fraud, scam, schemes, frauds, or any
other form of misuse or abuse of a victim’s identity.
The Fair and Accurate Credit Transaction Act, known commonly as
FACTA, was put into law in the United States to help to protect
consumers from identity theft and to help in its prevention. FACTA
ensures that all citizens are treated fairly when they apply for
a mortgage or other form of credit and it entitles them to a free
annual credit report to verify its accuracy.
There is no guarantee that you will never be a victim; however,
there are steps you can take to minimize your risk. Here is a list
of 14 steps you can take to prevent or at least minimize its occurrence:
1. Manage your personal information cautiously and with a new
awareness that identity theft can occur anytime anywhere and when
you least expect it.
2. Ask about security procedures in your workplace, doctor's office,
or other business or organization that routinely collects relevant
and personal identifying information as part of doing business
or providing a service. Find out who has access to your personal
information and verify that it is handled securely. Inquire about
their disposal procedures and if your information will be shared
with anyone else (namely third parties such as mailing list companies,
marketing and survey companies, etc.).
3. Instead of giving your Social Security Number, inquire if you
can use other types of identification. Use your Social Security
Number with caution and only when absolutely necessary.
"Your Chances of becoming victimized by some form of identity
theft is one in ten," according to the Federal Trade Commission.
4. If you find that you have been vitimized, immediately file
a complaint with the Federal Trade Commission. The FTC maintains
a database of identity theft cases used by law enforcement agencies
for investigations. Filing a complaint helps the FTC learn more
about identity theft and the problems victims are having. This
knowledge helps them to assist you better.
5. Carry only the identification and the number of credit and
debit cards that you will actually use. Leave extra cards in a
safe place at home, in a safety deposit box, or any other secured
location.
6. Avoid giving out personal information on the phone, through
the mail, or on the internet unless you are absolutely sure you
know and can trust with whom you are communicating. Caution: Before
you share personal information, be sure you are dealing with a
legitimate business or organization. (If you are unsure about an
online communication, check the organization’s website by
typing its URL in the address line. Most large companies post alerts
on their sites when they are aware of a scam when their name is
used improperly.)
Identity thieves usually pose as representatives of banks, lotteries,
sweepstakes, internet service providers, or some other officially-sounding-entity.
They will use any means possible to try to get you to reveal your
valuable information.
7. Call the Customer Service Department of companies or organizations
with whom you do business using the number listed on your account
statement or in the telephone book.
8. Do not place passwords on your credit card, bank, or telephone
accounts.
9. When choosing a password, avoid using obvious information like
your mother's maiden name, your birth date, a series of consecutive
numbers, or the last four digits of your Social Security Number
or your phone number.
10. Pay attention to your billing cycles. A missing bill could
mean an identity thief has gotten their hands on it.
"9.9 million people were victims of identity theft in 2002",
according to the Federal Trade Commission. Don't wait until it
happens to you.
11. Be wary of promotional scams or phony offers to get you to
give them your personal information such as lottery and sweepsatkes
that you have never entered and ones asking for an "administration" fee.
12. If your job requires you to suit up in special clothing at
work, never leave your purse or wallet in your personal clothes.
Always keep them in a safe and secured place.
13. When reordering checks, pick them up at the bank instead of
having them sent to your mailbox.
14. Obtain a current credit report by contacting any of these
major credit bureaus:
Equifax: P.O. Box 740241 Atlanta, GA 30374-0241
For Fraud Alerts, call: 800-525-6285
Experian: P.O. Box 2002 Allen TX 75013
For Fraud Alerts, call: 888-EXPERIAN (397-3742)
Trans Union: P.O. Box 1000, Chester, PA 19022
For Fraud Alerts, call: 800-680-7289
Think you're not at risk? Unfortunately, you are. View "Protecting
Your Identity" blog at www.ProtectingYourIdentity.blogspot.com to
learn more about what you can do to protect yours.
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