Identity Theft - Don't be the next victim

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Identity Theft - Don't be the next victim

Identity theft is a fast-growing crime that preys on unsuspecting consumers. By stealing your name, social security number, or other personal information ID thieves can use your good name for their own benefit, such as making unauthorized purchases or opening lines of credit. Identity theft can have a far-reaching and long-lasting impact on innocent consumers. Don't become the next victim; protect yourself using these common-sense suggestions.

Minimize the risks - the first and most important step in fighting identity theft is prevention. Use good sense.

Use caution whenever you disclose personal information and account numbers, whether it's on the Internet, over the phone, or by mail - before you give out any personal information, make sure that you are dealing with a reputable company. Find out how they plan to use your information and who else will have access to it.

Only carry ID and credit cards that you actually need to have with you. You can prevent unnecessary loss or theft by filing away extra ID and credit cards in a safe place at home.

Activate new cards immediately, and don't leave them lying around. Be sure to sign the back of your credit cards as soon as you receive them.

Don't carry your Social Security card with you. Keep it in a safe place at home.

Memorize your pin numbers and passwords. Never carry them with you.

When you have to choose passwords for your accounts, avoid the obvious. Don't use easy-to-obtain passwords such as your mother's maiden name, birthdates, etc.

Never lend your credit card to anyone. You are the one who will be held responsible for paying the bill, regardless of who made the purchase.

Shred all documents, junk mail, billing statements, etc. that contain potentially valuable information such as your credit card, Social Security, or driver's license numbers.

Don't write your credit card numbers, account numbers, or other such personal information on the outside of an envelope or a postcard.

If you do not receive your billing statements as scheduled, notify your credit card issuer immediately. Identity theives often steal this information directly from mailboxes.

Destroy pre-approved credit card, or other unwanted offers before throwing them away. Other people can potentially use these offers to take out credit in your name.

Keep thorough and accurate financial records. Save your receipts and compare them with monthly billing statements. Report any problems or concerns to the credit card company immediately. Whenever you order online, by mail, or by phone, keep copies of invoices and order forms with details about the transaction.

Check your credit report regularly - inaccuracies and changes can be early indicators of identity theft.

Related Article: What To Do When Identity Theft Occurs >>

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