Identity Theft

Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes.

When it comes to identity theft, you can’t completely control whether or not you will become a victim, but you can make it much harder for a thief to steal your personal information. These simple tips may help you minimize your risk.

• Protect your PINs. Try to memorize your PIN number, but if you have to write it down don't write it on your debit card or leave it in your wallet or purse. When entering a PIN number at an ATM or in a store, make sure no one is peering over your shoulder to make a note of the keys you're pressing.
• Protect your Social Security Number. Don't carry your Social Security Card in your wallet unless you need it. Knowing your full name, address and full Social Security Number, or even the last 4 digits, can let a thief assume your identity. Never use your Social Security Number as any part of a username or password.
• Shred everything. One of the ways that would-be identity thieves acquire information is through “dumpster diving”, aka trash picking.  Buy a cross-cut shredder and shred all papers such as bills and credit card statements, old credit card or ATM receipts, medical statements and solicitations for credit cards and mortgages that contain personal information.
• Carefully review your financial statements.  Check your credit card and bank statements each month for any suspicious activity.
• Don’t leave bill payments in your mailbox.  A thief who raids your mailbox would be able to acquire your name, address, account number, bank routing and bank account numbers, as well as a copy of your signature.  Instead drop your bills at the post office or an official U.S. Postal Service drop box or pay your bills online.
• Never leave your purse or wallet unattended.  Never leave your purse or wallet in your car, even when your car is locked.
• Review your credit report periodically.  You should review your credit report at least annually to make sure they are accurate and that there aren’t any accounts listed that you aren’t aware of along with any other suspicious entries or activity.

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