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Tips to Avoid Identity Theft

Social Security Number. It’s the key that unlocks your identity. Don’t give it to anyone unless you need to provide it. Ask your health insurance and other companies that may use your social security number as your ID, to assign a substitute number instead.

Mail. Your mail contains account numbers and other personal information. Collect it promptly from your mailbox and ask the post office to hold it if you’re going away.

Impostors. Thieves pretending to be from companies you do business with, may call or send an email, claiming they need to verify your personal information. Be especially suspicious if someone contacts you and asks you to provide information they should already have. Before responding, contact the company directly to confirm the call or email is from them.

Passwords and PIN numbers. Never write passwords, codes or PINs. Memorize them! If memory is not an option for you and you have to write them down, don’t leave them in your wallet or on your desk where someone else could find them.

Online. Don’t send sensitive information such as date or birth, social security number or credit card numbers by email, since it’s not secure.

Analyze your credit report annually, and if you find accounts that don’t belong to you or other incorrect information, dispute those items, but if you would like to have help from a Certified Credit Counselor, call Family Financial, we can help you.

Watch for shoulder-surfers. When entering a PIN number or a credit card number in an ATM machine, at a phone booth, or even on a computer at work, be aware of who is nearby and make sure nobody is peering over your shoulder to make a note of the keys you’re pressing.

Shred everything. One of the ways that identity thieves acquire information is through “dumpster-diving”. If you are throwing out bills and credit card statements, or even junk-mail solicitations, you may be leaving too much information laying out. Buy a personal shredder and shred all papers before disposing of them.
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Destroy digital data. When you selling, trading or disposing computers, smart phones, tablets, or a hard drives, you need to take extra steps to ensure the data is completely destroyed. By simply deleting the data or reformatting the hard drive is not enough. Anyone with a little tech skill can undelete files or recover data from a formatted drive. Use a product to make sure that data on hard drive is completely destroyed.

Be diligent about checking statements. You will be aware if one of your statements doesn’t arrive and that can alert you that perhaps someone stole it from your mailbox, and you can ensure that the charges on the statement are legitimate and quickly identify any suspicious activity.

Never leave your paid bills in your mailbox to be sent out. A thief who raids your mailbox would be able to acquire critical information in one envelope- (name, address, account number, bank information and a copy of your signature for forgery purposes just for starters.

Limit the information on your checks. It may be convenient to have your driver’s license number or social security number imprinted on your personal checks to save some time when you write one, but if it falls into the wrong hands it reveals too much information.

If you have been a victim of Identity Theft – Help is available over the phone or Internet. Call the Federal Trade Commission toll-free, 877-438-4338, or go to https://www.consumer.ftc.gov/articles/0277-create-identity-theft-report for step-by-step advice about what to do if you’re a victim of ID theft.

Find other greater goal setting financial tips on our web site, www.accesseducation.org
If you would like to talk to a counselor today! Give us a call at (877) 789-4206