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Sunday, November 20, 2011

13 Tips to Prevent Identity Theft

January 21, 2010 by  
Filed under identity theft insurance

You can imagine what it would be like one day when you get a phone call from the fraud division of your bank. They inform you that someone entered your bank account without your knowledge or permission, and you can’t understand how that happened. What do should you do to prepare yourself to prevent something like this happening? It ends up being a never ending headache for an identity theft victim as they have to be constantly vigilant, as well. Getting your identity stolen as well as your credit card information is an exhausting consumption of your time. You want to set up a plan so that you can lower the odds of this happening to you again.

Here are some useful steps that you can take to block identity theft in your life.

1. Obtain a copy of your credit report and review the data that is listed. Are there wrong addresses or erroneous information listed? If the facts are wrong, you need to contact your credit reporting agencies and report it. You will have to contact them by letter, but give them a call first so that they can tell you what to do to change the false information.

2. If you believe your identity was stolen, certain states will allow you to “freeze” your credit report or put it in lockdown—which means that anyone who has unauthorized information regarding your finances or identity cannot view your credit report information. When your credit report is frozen, you cannot get a loan or allow a future employer or a potential insurer in viewing your credit report. If you want someone to view your credit report, you can get it unfrozen temporarily so that you can let an authorized person or agency to view your credit report with your permission. The three credit unions are Equifax, Experian, and TransUnion—and you can find the contact information for them online if you want your credit report under lockdown.

3. If someone has gained unauthorized access to your financial information such as bank accounts, credit cards, or your identity please report it to the police. Keep in mind that someone could potentially commit a crime using your identity or Driver’s license and you may be held accountable for a crime because individual is using your name. The sooner you have the information with the police, the better off you’ll be legally. The police will also have a police report on the identity crime or stolen cards issued in your name.

4. You don’t need to carry your social security card or a dozen credit cards with you at all times. Keep them in a safe place in your home. Remember you social security number instead, and bring a low limit credit card with you if you don’t intend to spend much money.

5. Buy a paper shredder to shred sensitive documents such as bank statements, credit card receipts, and credit card statements. Crooks are constantly looking for careless people who leave these receipts and statements. Yes, it’s a pain to constantly shred documents like these, but don’t you feel more secure after it’s done? You cannot afford not to do this.

6. What about online banking? Change your user name and password at least once a month and store the information in a safe place on paper. Use unique combinations of numbers, letters, and odd characters that does not include personal information such as birthdays, addresses, ages, and so on. Don’t leave your computer unattended for a long period of time while you are online banking. Get your banking done, be sure to logout and make sure you exit the website. After that, close the page completely.

7. Make sure you computer is protected with a good security suite by McAfee or Norton. They will have some protection against hackers and online identity thieves.

8. While online, delete emails stating they are from your bank asking for sensitive financial information or for your username and passwords. If you really want to know, call your bank and ask them if there is a problem. True, banks do email their customers asking them a question, but it is better to be safe than sorry. Call them instead by their regular phone number instead. Never give sensitive information in an email.

9. Don’t give sensitive information such as your social security number over the phone by unscrupulous telemarketers masquerading as a bank. This happened to this writer, and they did sound legitimate. Some of the telemarketers don’t know they are working for crooks, as they think they are doing “contract work” for a bank. Don’t get taken in. Instead call your bank’s 800 number that you usually use and tell them about the unsolicited call you received.

10. If you suspect your identity was stolen, immediately file a “Fraud Alert” with your credit card agencies. Even if you get to one of the big credit card reporting agencies, this should be enough. If you are not sure, ask them if you need to contact the other agencies.

11. Contact the FTC by going online or calling them at their toll free number (877)ID-THEFT . You can also contact them through their address at: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Ave., NW, Washington, D.C. 20580.

12. What if some unauthorized person tried into your bank account online? Make a trip to your bank in person and close your account. Open a new account to transfer your funds from your old account. Once online, change your password and user name to some unique letter and number combination.

13. If your situation just happened, keep a record of all emails, phone conversations, and documents you filed just in case you may need them in the months ahead. Hopefully you won’t need it, but it is better to be safer than sorry.

If you remain watchful and on the alert regarding your financial information, bank accounts, and credit cards your identity should be safer. But you also must keep in mind that people will think of new, innovative ways to steal identities and infiltrate bank accounts.

Riley Tirell researches and writes for Cheapspenders, a website that offers money saving tips with coupons, information on budget fashion, travel, entertainment, and small business ideas.
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