Identity Theft

The fraudulent acquisition and use of a person’s private identifying information, usually for financial gain. Identity theft normally happens when someone uses your personal information without your permission. This person might obtain credit or open bank accounts in your name, make large or small purchases using your credit card or even acquire fake identification, social media, driver’s license or Social Security card in your name. Here are some ways to prevent identity theft.



1. KEEP YOUR IDENTIFICATION DOCUMENTS SECURE
Try to keep your identifying documents in a lock safe or secure location. Try not to carry your documents on you so they are less likely to get loss or stolen.

2. DISPOSE OF ANY DOCUMENTS PERTAINING IDENTIFICATION PROPERLY

Always shred any documents containing personal information (statements, receipts, credit reports, medical records, etc.).

3. MONITOR YOUR CREDIT REPORT

You can get a free annual credit report once a year from any of the 3 major credit bureaus if you request it in writing. You can also get your report online thru most credit vendors for a small fee or monthly service.  Always look over your entire report for errors or inaccuracies. One of the first signs of identity theft is your inquiry section of your credit report. This section shows anyone that has pulled your credit in the last 2 years. If you ever see an inquiry that is not yours contact that creditor and investigate.



4. NEVER GIVE YOUR SOCIAL SECURITY NUMBER

Most companies and creditors are able to identify you or your accounts with the last 4 digits of your Social security number.  Never give your complete social security number unless its required by law or absolutely necessary.





5. PROTECT YOUR MAIL
One of the easiest way for an identity thief to steal your information is by stealing your mail. Most of the pertinent information are already on your statements with your address. If you are not sure your mail is safe rent a PO Box at your local post office for a small fee. All of your mail can be forwarded their until you pick it up.

6. MAKE SURE YOU INSTALL MALWARE, FIREWALLS OR ANTIVIRUSES FOR MOST COMPUTER AND DEVICES
Most computers and phones can now be protected by inexpensive or free firewalls and antivirus programs. Most software protects you from common viruses or hacks but you have to be mindful when surfing the internet and using your phone. Most attacks come from emails that you don’t know, popup click adds, unprotected hotspots and even through apps on your phone.  If it doesn’t look legit don’t use it or open it.