Identity Fraud

Identity Fraud occurs when someone uses your personal information like your name, social security number, date of birth, mother’s maiden name, driver’s license, bank or credit card number, without your permission to commit fraud or other crimes.

What do Identity Fraudsters do with my information? 
Thieves may commit identity fraud in a variety of ways. They may use your information to:

  • Apply for loans and credit cards in your name.
  • Establish telephone or utility services to run up charges
  • Obtain your social security benefits without your knowledge.
  • Rent apartments or purchase vehicles with your information.

How do they steal my Identity?
Identity Fraudsters may get a hold of your information in many ways. Some of their methods include:

  • Dumpster Diving – Going through your trash to steal old bills or other documents with your personal information on it.
  • Skimming – Duplicating your debit card via a cloning device attached to ATM’s.
  • Pretexting – Posing as a legitimate company and claiming your account has issues.
  • Phishing – Impersonating a trustworthy financial institution or company to trick you into revealing personal information.
  • Changing Your Address – Sending your mail to their location so you are unaware of your information being captured.
  • Stealing – Taking your wallet or purses.

How do I protect my Identity?
Protect your identity by protecting your personal information.

  • Shred all papers containing personal information such a bank and credit card statements, bills and invoices.
  • Go Green. Be paperless by paying your bills electronically.
  • Do not give personal information on the telephone or internet unless it is a known source.
  • Use software to protect your computer from attacks.
  • Keep all pin numbers and passwords in a secure environment.
  • Examine bills carefully and look for unrecognizable charges.
  • Routine view your credit report.

What if I am a Identity Fraud Victim?
If you believe that you are an Identity Fraud Victim, file your complaint with the Federal Trade Commission (FTC) here. Find out more information at the FTC’s Identity Theft website: . Immediately notify all your banks and credit card companies.

Also, obtain a copy of your credit report:

Equifax To order a report: (800) 685-1111 To report fraud: (800) 525-6285

Experian To order a report: (888) 397-3742 To report fraud: (888) 397-3742

Trans Union To order a report: (800) 916-8800 To report fraud: (800) 680-7289

Shredding Personal Documents and When to Dispose of Them

When you put a piece of paper in the trash it can be difficult know what happens to it.  Since few people burn trash anymore, it is likely that your trash passes through several stages on its way to a landfill or incinerator.  Every step that occurs once the trash leaves your control has risk that someone will find personal […]

Continue Reading..

Protecting Your Mail

The mail you receive and send includes information that deserves special attention.  Everything from account numbers and balances on financial accounts to the name and account number on checks you mail can be valuable to thieves and other scam artists.   Here are some ideas to help keep your mail secure:   Never send cash or coins.  Use checks and […]

Continue Reading..

Protecting Your Internet Activities and Electronic Data

With more of our financial activities occurring over the Internet, it is important to be aware of risks these activities entail and steps you can take to reduce the risk that someone will illegally gain access to your private information or financial accounts.   Common Internet Scams Auction fraud – This may take many forms including emails saying you have […]

Continue Reading..

Read More ...

Facebook LikesIcon For: Facebook Widget