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Defining
Identity Theft
Identity theft is the unauthorized use of
another person’s personal identifying
information (name, address, date of birth,
Social Security number, mother’s maiden
name, etc.) to commit financial fraud.
How
Identity Thieves GET Your Personal
Information
·
By stealing wallets and purses
containing ID, credit and bank cards
·
By stealing mail, including
bank and credit card statements,
pre-approved credit offers, new checks and
tax information
·
By completing “change of
address” forms to divert your mail to
another location
·
By rummaging through your
trash for personal data – a practice known
as “dumpster diving”
·
By fraudulently obtaining your
credit report by posing as a landlord,
employer, or someone with a legitimate right
to such information
·
By using personal information
you share on the internet
·
By scamming you, often through
e-mail, posing as legitimate companies or
government agencies with which you do
business
·
Through “business record
theft” – stealing files from offices where
you are a customer, employee, patient or
student … bribing an employee who has access
to your files … or hacking into electronic
files
·
By taking personal information
from your home
How
Identity Thieves USE Your Personal
Information
·
By calling your credit card
issuer and pretending to be you, asking to
change the mailing address on your account.
Because your bills are being sent to the new
address, it may take some time before you
realize there are fraudulent charges on your
account.
·
By opening a new credit card
account, using your name, date of birth and
Social Security number. When the bill goes
unpaid, the delinquency is put on YOUR
credit report
·
By opening a bank account in
your name and writing bad checks on that
account
·
By establishing phone or
wireless service in your name
·
By filing for bankruptcy under
your name to avoid paying debts they’ve
incurred under your name, or to avoid
eviction from their residence
·
By counterfeiting checks or
debit cards and draining your bank account
·
By making expensive purchases,
such as cars and high-priced electronics, in
your name
·
By giving your name to the
police during an arrest. When they fail to
show up for a court date, an arrest warrant
is issued in your name
Types of
Information to Guard From Identity Thieves
·
Social Security number
·
Driver’s license number/State
ID cards
·
Mother’s maiden name
·
Current and past addresses
·
Credit and Debit card numbers
·
Personal ID numbers, access
codes, and passwords
·
Passports
·
Firearm Owner ID cards
·
Employee ID cards
·
Birth certificates
·
Telephone numbers
·
Birth date
Guarding
Against Identity Theft
·
Order a copy of your credit
report from each of the three major credit
bureaus once a year. Check the contents
carefully and make sure the information is
correct and includes only those activities
you have authorized.
·
Put passwords on your credit
card, bank and phone accounts. Avoid using
easily available information such as your
birth date, the last four digits of your
Social Security number or a series of
consecutive numbers. When opening new
accounts, use a password instead of your
mother’s maiden name if the application asks
for that.
·
Ask about information security
procedures in your workplace. Verify that
records are kept in secure locations and
find out who has access to your personal
information.
·
Secure personal information in
your home if you have roommates, employ
outside help such as cleaning companies, and
when you are having service work done in
your home.
·
Don’t give out personal
information such as account numbers over the
phone, through the mail or over the
internet, unless you initiated the contact.
·
Limit the amount of personal
information that is printed on your checks.
·
Shred personal documents such
as payment receipts and pre-approved credit
offers before putting them in the trash.
·
Don’t put outgoing mail in
your mailbox. Take it to the Post Office
instead.
·
Stop mail and newspaper
delivery when you are planning to be away
from home for extended periods.
·
Contact creditors if you
suspect bills, especially credit card
statements, have not arrived on time.
·
Give out your Social Security
number only when absolutely necessary. You
don’t have to give the number to a business
just because they request it.
·
Update your computer
anti-virus software regularly. Use
encryption when possible.
What To Do
If You Are A Victim of Identity Theft
·
Call the toll-free fraud
number of any one of the three major credit
bureaus and have a fraud alert placed on
your credit report. This can help prevent
an identity thief from opening additional
accounts in your name. As soon as the
credit bureau confirms your fraud alert, the
other two credit bureaus will automatically
be notified to place fraud alerts on your
credit reports, and all three reports will
be sent to you free of charge.
·
Close any accounts that have
been tampered with or opened fraudulently.
If you close existing accounts and open new
ones, use new personal identification
numbers (PINs) and passwords. If there are
fraudulent charges or debits, ask the
company for the necessary forms to dispute
the transactions. If your checks have been
stolen or misused, close the account and ask
your financial institution to notify the
appropriate check verification service.
·
File a report with your local
police or the police in the community in
which the identity theft took place. Keep a
copy of the report in case it is needed to
validate your claims to creditors.
·
File a complaint with the
Federal Trade Commission. By sharing your
complaint, you will provide important
information that can help law enforcement
officials track down identity thieves and
stop them. The FTC can also refer victim
complaints to other appropriate agencies and
companies for further action.
Contact
Information
Equifax –
www.equifax.com
P. O. Box 740241, Atlanta, GA 30374-0241
To report fraud: (800)525-6285 / TDD
(800)255-0056
To order a credit report: (800)685-1111
Experian –
www.experian.com
P. O. Box 9532, Allen, TX 75013
To report fraud: (888)397-3742 / TDD
(800)972-0322
To order a credit report: (888)397-3742
TransUnion –
www.transunion.com
P. O. Box 6790, Fullerton, CA 92634-6790
To report fraud: (800)680-7289 / TDD
(877)553-7803
To order a credit report: (800)888-4213
To “opt out” of receiving pre-screened
credit card offers: (888)567-8688
Federal Trade Commission:
To file a complaint, visit
www.consumer.gov/idtheft
Or call the FTC’s toll-free Identity Theft
hotline @ (877)438-4338 / TDD (202)326-2502
or write to:
Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
Social Security Administration:
To report fraud: (800)269-0271 / fax:
(410)597-0118
E-mail:
oil.hotline@ssa.gov
SSA Fraud Hotline
P. O. Box 17768
Baltimore, MD 21235
National Do Not Call Registry:
(800)382-1222 or donotcall.gov
Direct Marketing Association:
To “opt out” of receiving direct mail
marketing:
Mail Preference Service
P. O. Box 643
Carmel, NY 10512
To “opt out” of receiving unsolicited
commercial e-mails:
www.dmaconsumers.org/offemaillist.html |