Tips to Prevent identity Theft
While there is no guaranteed strategy to avoid identity theft, you can minimize your risks and guard your personal information by following these tips from the Federal Trade Commission:
- Deposit all outgoing mail in mailboxes or in the mailing slots at your local post office. Never leave bill payments in your apartment lobby for the mail carried to pick up. Before you leave on vacation, call or visit your post office and request that your mail be held until you return.
- Give out your Social Security number only when absolutely necessary – for example, on a job application or for your accountant. Do not include it when you are writing a personal check at a store or applying for membership at a video rental shop, grocery store price-saving club, and so on.
- Keep all your personal and account information in a safe place, preferably a locked drawer or cabinet in your house. If you are having renovations, housecleaning, or other types of service work done in your home, keep All your personal information out of sight.
- Shred credit card offers, health insurance statements, and anything else containing your Social Security number before discarding them. Use a cross-cut shredder rather than a straight-cut one.
- Do not give out information over the phone unless you initiated the call and it is to a reputable organization or company.
- Never write your PIN (personal identification number) on the back of your card or on a piece of paper in your wallet or handbag.
- Do not choose a PIN that uses digits from your birth date, Social Security number, telephone number, or street address.
- Carry only the cards you think you'll need on a given day, and keep them separate from your wallet–for example in a zippered compartment in your handbag. If your wallet is stolen, your cards will not be lost.
- Keep a record of all your account numbers, expiration dates, and the phone number of each credit card issuer in a secure place at home for quick reference in case of loss or theft.
- When using your card to make a purchase, keep an eye on the clerk during the transaction and get the card back immediately with any credit card carbons. Destroy the carbons.
- When you make an online purchase, be sure you're in a secure section of the Web site; the "http://" address should change to "https://" (the "s" stands for secure), and a lock or key symbol should appear in a lower corner of the Web page.
- Save your receipts, and when your billing statement comes, open it promptly and compare the two. If there is a charge you know you did not make, call the card issuer immediately and follow up by writing to their billing inquiries address.
- Sign your new or replacement card as soon as you receive it. Cut up the old card so the numbers cannot be read.
- Never write your account number on the outside of the payment envelope.
- Don't give your account number over the phone unless you initiated the call to make a purchase and you're sure the company is reputable.
- Every year, order a copy of your credit report (about $9) from all three major credit reporting agencies to make sure it is accurate. Their phone numbers and addresses are listed at the FTC's Web site (www.consumer.gov/idtheft) and lined to the Identity Theft Resource Center Web site, www.idtheftcenter.org. Both sites also offer helpful resources for victims–and those who want to avoid becoming victims.