These thieves get their information in many ways, including stealing mail for pre-approved credit offers. Checks, statements or bills provide them with information necessary to open accounts in a victim?s name. They can also get information from the garbage, via the phone or through the theft of a wallet or purse. Many people don?t realize they?ve become victims of identity theft for months and until much damage has been done.
How to Minimize Your Risk of Identity Theft
- Promptly remove mail from your mail box
Never give personal information over the phone unless you initiated the call and can ID the other party - Carry only essential ID and cards
- Never carry your Social Security card
- Sign all new credit cards immediately
- Shred bills and receipts
- Destroy all carbon copies
- Avoid writing PINs and other codes on your credit cards
- Memorize your PINs and passwords
If you feel that your identity has been stolen, contact the creditor and your financial institution to explain the details and send a certified letter as a follow-up. Secondly, contact all three of the major credit bureaus, Equifax, Experian, Trans Union. You can find links to them on our web site. In order to avoid surprises on your credit report, it is also recommended that you look at your credit report each year.
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