Identity Theft and Credit Score

Protect yourself from theft and have a high credit score

What is it?

Identity theft is when someone takes and uses someone else's personal identification, credit, or account information.

Protecting Yourself

You should protect your Social Security Number and other financial information. Keep you purse and wallet in a safe place. Don't keep your Social Security card and information, birth certificates, or passports in your wallet. Don't share your personal information with businesses or other places that are not trusted. Only use a credit card when shopping on the internet, and only in secure browsers. Keep credit cards and ATM receipts in a secure place. Don't share your usernames and passwords. Any mail or trash that contains personal information should be shredded before throwing it away.

Credit Reports

Check your credit report at least once a year, with the three reporting agencies.

A credit report shows

  • Your name, address, and employer
  • Revolving accounts
  • Installment loans
  • Open and closed accounts
  • Account payment history
  • Recent credit and loan applications
  • Collection accounts
  • Public Records

"Just Ordered Your Credit Report? Make Sure These 10 Things Are Correct." About.com Credit / Debt Management. About.com, n.d. Web. 24 July 2014. <http://credit.about.com/od/creditreportscoring/tp/information-on-credit-report.htm>.

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http://www.goodcreditco.com/images/credit-score-chart.jpg

Having a High Credit Score

  • Pay your bills on time
  • Keep your debt low
  • Don't open more accounts than you need
  • Pay off debt instead of moving it around

"IMPROVE YOUR CREDIT SCORE." Improve Credit Score. Experian , n.d. Web. 24 July 2014. <http://www.experian.com/credit-education/improve-credit-score.html>.