Deter: How to Protect Yourself from Identity Theft
The following tips can help lower your risk of becoming a victim of identity theft.
- Protect your Social Security number. Don't carry your Social Security card or other cards that show your SSN. Read, Identity Theft and Your Social Security Number.
- Use caution when giving out your personal information. Scam artists "phish" for victims by pretending to be banks, stores or government agencies. They do this over the phone, in e-mails and in postal mail.
- Treat your trash carefully. Shred or destroy papers containing your personal information including credit card offers and "convenience checks" that you don't use.
- Protect your postal mail. Retrieve mail promptly. Discontinue delivery while out of town.
- Check your bills and bank statements. Open your credit card bills and bank statements right away. Check carefully for any unauthorized charges or withdrawals and report them immediately. Call if bills don't arrive on time. It may mean that someone has changed contact information to hide fraudulent charges.
- Check your credit reports. Review your credit report at least once a year. Check for changed addresses and fraudulent charges.
- Stop pre-approved credit offers. Pre-approved credit card offers are a target for identity thieves who steal your mail. Have your name removed from credit bureau marketing lists. Call toll-free 888-5OPTOUT (888-567-8688).
- Ask questions. Ask questions whenever you are asked for personal information that seems inappropriate for the transaction. Ask how the information will be used and if it will be shared. Ask how it will be protected. If you're not satisfied with the answers, don't give your personal information.
- Protect your computer. Protect personal information on your computer by following good security practices.