Identity Theft
Identity Theft is America's fastest growing crime.
The Federal Trade Commission reports that identity theft has been the No. 1
complaint from consumers for the last five years. It estimates 11 million people
have been victimized.
Identity Theft occurs when a person uses the personal information of another to,
or attempts to, obtain credit, goods, or services. Personal information can be a
name and birthday, a Social Security number, driver's license number, credit
card number, or PIN numbers, or any information that identifies one as a
particular individual.
Go now! for more information on Identity Theft and other internet crime schemes.
The IC3 Crime Complaint Center gives victims of Internet crime a convenient and easy-to-use reporting mechanism.
They acccept online Internet crime complaints from either the person who believes they were defrauded or from a third party to the complainant.
For more information or to report Internet fraud, go to the
IC3 Crime Complaint Center.
By following these simple tips, you can greatly reduce your chances of
becoming a victim of identity theft.
Do not carry your extra credit cards, Social Security card, birth
certificate, or passport in your wallet or purse except when necessary. This
practice minimizes the amount of information a thief can steal. Photocopy
everything in your wallet so if it is stolen you know exactly who to call.
Do not click on links in any emails you receive from financial institutions
- even if you're 100% sure they're legitimate. Instead, go to your browser and
type in the domain name of the institution (e.g. www.wellsfargo.com or
www.paypal.com) and then login to your account. Some emails you receive about
your financial accounts are actually fake and are called "phishing" emails.
Make sure your computer is set to automatically download the latest patches
and fixes. Any computer operating systems will have security holes. You will
want to install a new fix once they are discovered and patched. Both Microsoft
Windows and Mac have an easy method for doing this.
Install virus and spyware detection software and keep them updated.
Install a lockable mailbox at your residence to reduce mail theft.
Take credit card receipts with you. Never toss them in a public trash
container.
Never leave your purse or wallet unattended at work or in church,
restaurants, health fitness clubs, parties, or shopping carts. Never leave your
purse or wallet in open view in your car, even when your car is locked.
Destroy all checks immediately after you close a checking account. Destroy
or keep in a secure place any courtesy checks that your bank or credit card
company sends to you.
Do not have your bank send your new checks to your home address. Tell the
bank that you prefer to pick them up.
Reconcile your check and credit card statements in a timely fashion, and
challenge any purchases you did not make.
Limit the number of credit cards you have, and cancel any inactive accounts.
Never give any credit card, bank, or Social Security information to anyone
by telephone, even if you made the call, unless you can positively verify that
the call is legitimate.
Minimize exposure of your Social Security and credit card numbers. If the
numbers are requested for check-cashing purposes, ask if the business has
alternative options such as a check-cashing card.
Do not allow your financial institution to print your Social Security number
on your personal checks.
Safeguard your credit, debit, and ATM card receipts. Shred them before
discarding.
Memorize your passwords and personal identification numbers (PINs) so you do
not have to write them down. Be aware of your surroundings to make sure no one
is watching you input your PIN.
Keep a list of all your credit accounts and bank accounts in a secure place
so you can quickly call the issuers to inform them about missing or stolen
cards. Include account numbers, expiration dates, and telephone numbers of
customer service and fraud departments.
Do not toss pre-approved credit offers in your trash or recycling bin
without first shredding them. Dumpster divers use these offers to order credit
cards in your name and mail them to their address. Always do the same with other
sensitive information like credit card receipts, phone bills, and such.