Identity theft is a serious crime it occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.
Skilled identity thieves use a variety of methods to steal your personal information, including:
Dumpster Diving - They rummage through trash looking for bills or other paper with your personal information on it.
Skimming - They steal credit/debit card numbers by using a special storage device when processing your card.
Phishing - They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
Changing Your Address - They divert your billing statements to another location by completing a "change of address" form.
"Old-Fashioned" Stealing - They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records from their employers, or bribe employees who have access.
Shred financial documents and paperwork with personal information before you discard them.
Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
Never click on links sent in unsolicited emails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date. Visit www.onguardonline.gov for more information.
Don’t use an obvious password like your birth date, your mother’s maiden name, or the last four digits of your Social Security number.
Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
Be alert to signs that require immediate attention:
Inspect Your credit report - Credit reports contain information about you, including what accounts you have and your bill paying history.
Your financial statements - Review financial accounts and billing statements regularly, looking for charges you did not make.
Place a "Fraud Alert" on your Credit Reports, and Review the Reports Carefully
The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.
Close any accounts that have been tampered with or established fraudulently.
File a Police Report
File a report with law enforcement officials to help you with creditors who may want proof of the crime.
Report the Theft to the Federal Trade Commission.
Your report helps law enforcement officials across the country in their investigations.