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  • 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 of 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 oven the Internet unless you have initiated the contact and know who you are dealing with.

  • Never click on links sent in unsolicited emails; instead, type in a Web address you know.  Use firewals, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date.  Visit OnGuardeOnline.gov for more information

  • Don’t use an obvious password like your birth date, and 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 home.

 

  • Be alert to signs that require immediate attention:

    • Mail or bills that do not arrive as expected

    • Unexpected credit cards or account statements

    • Denials of credit for no apparent reason

    • Calls or letters about purchases you did not make

  • Inspect:

    • Your credit report.  Credit reports have information about you, including what accounts you have and your bill paying history.

      • The law requires the major consumer reporting companies – Equifax, Experian, and TransUnion – to give you a free copy of your credit report if you ask for it.

      • Visit www.AnnualCreditReport.com or call 1-877-322-8228 to order your free credit reports each year.

  • 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 certain 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:

    • Equifax: 1-800-525-6285

    • Experian: 1-888-397-3742

    • TransUnion: 1-800-680-7289

  • Close accounts.  Close any accounts that have been tampered with or established fraudulently.

    • Call the security or fraud departments of each company where an account was opened or changed without your okay.  Follow up in writing, with copies of supporting documents.

    • Use the ID Theft Affidavit at www.ftc.gov/idtheft to support your written statement.

    • Ask for written verification that the disputed account has been closed and the fraudulent debts discharged.

    • Keep copies of documents and records of your conversations about the theft.

  • File a police report.  File a report with law enforcement officials to help you with creditors who may want proof of the crime.

  • Report your complain to the Federal Trade Commission.  Your report helps law enforcement officials across the country in their investigations.