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Protecting Yourself From Identity Theft

Protecting Yourself From Identity Theft
Copyright © Craig Warren

Protecting yourself from identity theft is easier than
you think

Your identity is stolen when someone uses your name,
social security number, or other personal information
to get credit cards or loans.

The Federal Trade Commission (FTC) reports there were
9 million cases of identity theft last year with losses
to consumers of more than $5 billion. The simplest kind
is credit card fraud, which accounts for over 60% of
identity theft.

Get your free credit report

Check for identity theft by reviewing your credit report
at least once a year. You can get a free credit report
every 12 months by calling (877) 322-8228 or online and
the Annual Credit Report web site.

Protect yourself

Review your credit report for accounts you did not open
and for account balances that are suspiciously high.

Only carry the credit and identification cards you need.
Make copies of the cards you carry and keep them in a
safe place. If your wallet disappears, you will have
the information you need to report them as lost or stolen.

Do not respond to e-mail messages or telephone calls
asking for personal and financial information.

Identity theft warning signs

Here are the most common signs of identity theft:

Your credit card statement has charges you did not make.

You get bills for accounts you never opened.

You are denied credit for no apparent reason.

Money is missing from your bank account.

If your identity is stolen

Get a copy of your credit report. Note accounts you did
not open and account balances that are suspiciously high.
Contact the major credit reporting companies. Ask them to
place a Fraud Alert on your report. This alerts businesses
to verify your identity before issuing credit and stops
thieves from opening new accounts in your name.

File an Identity Theft Police Report at your local police
station and keep a copy.

Contact companies that have reported accounts you did not
open or charges you didnt make. Send them a copy of your
police report and a certified letter disputing the
fraudulent charges.

Keep a record of your calls and letters.

Tip Of The Day:
Don’t fall prey to ID Theft! Sign up for PrivacyMaxx ID
Recovery Service today!

* Covers you and your immediate family (spouse or domestic
partner, children at the same address up to age 25, IRS
dependents sharing the same address regardless of age,
or nursing home/hospice, or deceased 12 months or less)

* Fully-managed ID recovery service

* Covers ID theft with no family fraud or other exclusions

* Unlimited restorations

* No deductible

* Work until credit and identity are restored to pre-theft

* Includes 12 months of post-recovery monitoring

* $25,000 Expense Reimbursement

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