Knowing various techniques to avoid identity theft helps keep your Social Security number and other personal information safe from thieves. After locating your information, thieves can assume your identity and acquire credit cards, loans and other items in your name. Identity theft can potentially destroy your credit history and creditors may seek compensation from you. Being familiar with tactics used by thieves helps safeguard your information.
Social Security Number
Thieves can steal your identity with only your name and Social Security number. Lower the odds of being a victim by keeping this information protected. Do not carry your Social Security card in your wallet, and do not give this information to anyone unless applying for credit or a loan.
Mail Safety
Have your mail forwarded to a post office box to eliminate the chances of a thief going through your mailbox and taking your statements and other information. A lock on your mailbox also helps deter identity theft. Some mailboxes have an opening that allows a carrier to place mail inside the box, but you need a key to open and retrieve letters. Check charges on your credit card and bank statements for accuracy.
Computer Protection
Block unauthorized computer use by placing a password on your computer. If paying bills or reviewing account information online, avoiding saving your password on websites. Someone can break into your computer, acquire this information and then use your identity and credit card numbers to purchase merchandise.
Paper Shredder
Purchase a document shredder and use it before throwing away old bank statements and credit card statements. Some document shredders even include a setting that allows thorough shredding of credit cards.
Online Shopping
Purchase from reputable websites, and always look for a security sign to ensure the safety of your personal information. If buying from a new website and you can't locate a security logo, do not enter your credit card information, name or address.
Credit Report
Identity theft can trigger credit and loan rejections because fraudulent accounts may appear on your credit report. At least once a year, order your free reports from Annual Credit Report to ensure that someone hasn't taken your identity and acquired new accounts in your name. Some credit card companies offer credit report monitoring for an additional monthly fee. Sign up for these services and receive messages if someone attempts to open an account in your name.
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