All You Need To Know About...
What To Look For
When detecting identity theft, there are some red flags that will help you determine if you are being victimized.
- unexplained bank account withdrawals
- bills for services you didnt use
- merchants refuse your checks
- debts that arent yours
- credit charges on credit report you dont recognize
- more than one tax return was filled in your name
What To Do & Why
If you suspect you are a victim of identity theft, right away you should
- place an initial fraud alert
- order your credit reports
- create an identity theft report
- Placing a fraud alert is free! When you place a fraud alert, a buisness has to verify your identity before issuing credit. The buisness will notify you when someone trys to use your credit.
- If you have a record of your credits, you can identify where and how much the identity theif used.
- You can use your identity theft report to get fraud information removed from your credit report, stop a company from collecting debts, and place an extended fraud alert.
How To Protect Yourself
There are four main ways to protect yourself from identity theft:
- keep your personal info secure offline
- keep your personal info secure online
- secure your social security number
- keep your devices secure
- Shred your recipts and other credit reports, lock financial documents away in a safe place, and limit the personal info you carry with you in your wallet.
- Be alert to impersonators, safely dispose of personal info, encrypt your data, keep passwords private, and dont over share on socail network.
- Ask questions such as: why they need it, how it will be used, how they will protect it, what happens if you dont share; before you share it with anyone.
- Use security software, avoid trash mail, be smart about wifi, lock up your laptop, and read privacy policies.
For more information about identity theft, visit the link below!