Identity Theft

WHAT IS IDENTITY THEFT?

Identity theft occurs when someone steals your personal information or financial information without your permission. This information can include names and addresses, credit card or social security numbers, bank account numbers and medical insurance account numbers.

There are several ways that scammers can steal your identity, including in person, online, through social media and by phone. Scammer may:

  • Steal your wallet or purse to get ID, credit, or bank cards
  • Go through your trash to retrieve bank statements or tax documents
  • Install skimmers at ATM machines, cash registers, and fuel pumps to digitally steal information from your bank card
  • Get personal information from your phone when you use public Wi-Fi
  • Use "phishing" techniques to get information from you through fraudulent emails, texts, or phone calls
  • Look through your social media accounts to find identifying information in posts or photos. They may also ask you for personal information in online quizzes and surveys

Warning Signs of Identity Theft

You may not be aware that you experienced ID theft immediately. Beware of these warning signs:

  • Bills for items you did not buy
  • Debt collection calls for accounts you did not open
  • Information on your credit report for accounts you did not open
  • Denials of loan applications
  • Mail stops coming or is missing from your mailbox

What Should I Do if it Happens?

Contact your local police department immediately. Most fraudulent use of cards or checks take place within days of being lost or stolen.

Contact the Federal Trade Commission (FTC) which has established a centralized complaint and consumer educa-tion service for victims of identity theft. The FTC main-tains a database that is shared with law enforcement officials worldwide and also the credit bureaus to help correct identity theft related problems.

Contact the fraud departments of the three major credit bureaus (see numbers on back). Ask that a “fraud alert” be placed on your name and social security number so law enforcement will be contacted if a business checks with the credit bureau. This will also show up if you use your accounts without changing them, so may wish to carry a copy of the police report with you to minimize credit hassles for yourself.

Contact the credit departments of any accounts that have been tampered with or opened fraudulently.

Contact the postal service if you think your mail has been stolen.

If you believe you have experienced tax-related identity theft but have not received notification from the IRS, visit www.irs.gov, for more information about filing an Identity Theft Affidavit.

What is Child Identity Theft?

Child identity theft is the same as what can happen to you as an adult. Your child’s personal information is used and most people aren’t aware of the theft until their child turns 18 years of age.

Signs of Child Identity Theft

  • Turned down for government benefits
  • Calls about bills in your child's name
  • Letter from the IRS about taxes your child owes
  • Child's student loan application is denied

Please visit https://consumer.ftc.gov/articles/how-protect-your-child-identity-theft for more information.

How to Protect Yourself

Before you reveal any personal identifying information, find out how it will be used and whether it will be shared with others. Ask if you can choose to have it kept confidential.

Cancel unused credit cards. Check all credit card state-ments immediately for unauthorized purchases. Have your name removed from lists sold to companies offering pre-approved credit cards.

Do not carry your social security card, passport or birth certificate with you except when necessary.

Collect your mail every day and place a hold on your mail when you will be on vacation or away from home. Shred all credit card receipts, solicitations, cancelled checks and other financial documents before throwing away. Protect your mail from theft by installing a locked mailbox at your residence, and do not leave paid bills in your mailbox for pickup.

Check your credit reports at least once a year. You can obtain these free once a year at: https://https//www.annualcreditreport.com/index.action

Check on-line bank accounts frequently.

Request your name be removed from lists of direct mail and telephone marketers.

Pay attention to billing cycles. Contact creditors if bills do not arrive on time.

Make sure you are using a secure site when ordering merchandise over the internet. Most websites use encryption to protect your information, look for a lock symbol or https in the address bar of the website.

Create strong passwords and turn on two-factor authenti-cation when available. Make sure your computer and phone operating systems are up to date.

Please visit https://www.ftc.gov/ to view more ways of protecting yourself from identity theft and other steps you can take for online security.

Helpful Phone Numbers

FTC Identity Theft Hotline

1-877-IDTHEFT (1-877-438-4338)

https://www.ftc.gov/

Three Major Credit Bureaus

Equifaxhttps://www.equifax.com/

To order your report visit the website above, or call: 1-800-685-0111

To report fraud, call: 1-888-766-0008

 

Experianhttps://www.experian.com/

To order your report visit the website above, or call: 1-888-EXPERIAN (1-888-397-3742)

To report fraud, call: 1-888-EXPERIAN (1-888-397-3742)

 

TransUnionhttps://www.transunion.com/

To order your report visit the website above, or call: 1-855-681-3196

To report fraud, call: 1-855-681-3196

Major Check Verification Companies

Request that these companies notify retailers not to accept your stolen checks. You may also ask your bank to notify the check verification service with which it does business.

Telecheckhttps://getassistance.telecheck.com/index/

1-800-710-9898

Certegy, Inc.https://certegy.com/

1-800-237-3826

Opt Out of Pre-Screened Credit Card Offers

1-888-5-OPTOUT (1-888-567-8688)

Opt Out of Direct Mailing Lists

Visit Direct Mail:https://www.directmail.com/

Avoid Many Telemarketers Calls

Do Not Call Registry: https://www.donotcall.gov/

After you register, some unwanted calls may still come through. This is due to the various ways scammers and tele-marketers have found to bypass the phone systems. Below are some tips you can do to prevent as many unwanted calls as possible:

  • Report telemarketers who do call once you’re registered on the Do Not Call list
  • Tell telemarketers to stop calling you
  • Block the incoming number after they call
  • Turn on anonymous call blocking
  • Ask your carrier about scam-blocking services
  • Download an app to block telemarketers and scams
  • Turn on “do not disturb” to block non-contacts