Tips for Safeguarding Your Information
Identity Theft occurs when a criminal uses another person's personal information to take on that person's identity. Criminals then use key pieces of information such as Social Security and driver's license numbers to obtain credit, merchandise and services in the name of the victim. The victim is left with a ruined credit history and the time-consuming and complicated task of regaining financial health.
While you probably can't prevent identity theft entirely, you can minimize your risk. By managing your personal information wisely, cautiously and with an awareness of the issue, you can help guard against Identity Theft.
Practical Safeguard Tips
- Don't give your Social Security number or other personal information over the phone, through the mail, or over the Internet unless you've initiated the contact or are sure you know who you're dealing with.
- Guard your trash from theft. Tear or shred receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards, and credit offers you get in the mail.
- Secure personal information in your home.
- Don't carry your Social Security Number card; leave it in a secure place. Don't put your Social Security Number or drivers license number on your checks.
- Give your Social Security Number only when necessary. Ask to use other types of identifiers when possible.
- Ask about information security procedures in your workplace. Find out who has access to your personal information.
- Guard your mail from theft. Deposit outgoing mail in secured mailboxes. Promptly remove your mail from your mailbox.
- Keep your purse or wallet in a safe place at work.
Securing your Debit/Credit Cards
- Notify your credit-card company if your card has expired and you have not yet received a replacement.
- Carry only the identification information and the number of credit and debit cards that you'll actually need.
- Pay attention to your billing cycles. Follow up with creditors if your bills don't arrive on time.
- Scrutinize monthly billing statements. Open bills promptly and check your accounts monthly. Look for charges you don't recognize and report them immediately. Save receipts to compare with your billing statements.
- Keep your eyes on your credit card during all transactions and get it back as soon as possible.
- Keep a record of all your credit card account numbers, expiration dates and the telephone numbers and addresses of each creditor. Store in a safe place.
- Be wary of promotional scams. Identity thieves may use phony offers to get you to give them your personal information.
- Try not to divulge personal information over a cell phone; they are not as secure as you may think.
- Review your monthly accounts regularly for any unauthorized charges.
- Place passwords or PIN numbers for your credit cards, bank debit/ATM card and phone accounts in a safe place. DO NOT write them on the cards. Protect your PINs and passwords (don't carry them in your wallet!) Use a combination of letters and numbers for your passwords and change them periodically.
Using the Internet Safely
- Limit the amount of information you place on your Internet homepage and websites detailing family genealogy.
- Choose to do business with companies you know are reputable, particularly online.
- Use a secure browser - software for your computer that encrypts or scrambles information you send over the Internet - to guard the security of your online transactions. When conducting business online, make sure your browser's padlock or key icon is active.
- Don't open e-mail from unknown sources, and use virus detection software. Update this software regularly, or when a new virus alert is announced.
- Use a firewall program on your computer, especially if you use a high-speed Internet connection like cable, DSL or T-1, which leaves your computer connected to the Internet 24 hours a day.
- Try not to store personal/financial information on your laptop computer unless absolutely necessary. If you do, use a strong password - a combination of letters (upper and lower case), numbers and symbols.
- Before you dispose of any computer, delete personal information. Deleting files using the keyboard or mouse commands may not be enough. Use a "wipe" utility program to overwrite the entire hard drive.
- Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately. The fraud unit numbers are:
Trans Union (800) 680-7289
Experian (888) 397-3742
Equifax (800) 525-6285
You may also contact the FTC's ID Theft Consumer Response Center at (877) IDTHEFT (438-4338) or visit their Identity Theft Website at http://www.ftc.gov/bcp/edu/microsites/idtheft/.