Home
>
Personal Finance
>
How To Protect Yourself Against Identity Theft

How To Protect Yourself Against Identity Theft

Identity theft is a serious crime that continues to grow. If you become a victim of identity theft, you may spend months, or years, trying to repair the damage. A compromised credit report can ruin your chances of getting a new job, a loan, insurance or even housing. It's true that it is possible that you could be arrested for a crime you didn't commit if someone else has used your identity to break a law.

Unfortunately, many of the methods that thieves use to steal identities are completely beyond your control. Although it's rare, some store clerks have been known to use their position to give or sell information to identity thieves. There are some measures you can take, however, that will make it harder for them to steal your identity.

Protect Your Credit Card Number When Making Purchases:

After you make a purchase and your credit or debit card has been swiped through a credit card terminal, check to make sure that the printed receipt hides all but the last four digits of your credit card account number (there will usually be an x in place of the first twelve digits).

Some credit card terminals do print receipts that show all sixteen digits of an account number, and may even include the expiration date! After your card is swiped, you're permitted by law to hide the first 12 digits of your account number on the copy of the receipt that the vendor keeps. Use a pen or marker to cross-out the other numbers completely.

When dining out, it's important to make sure that the first 12 digits of your credit card number are hidden on the receipt. You might be in the habit of signing it and then leaving the restaurant's copy on the table after your meal. An identity thief can steal the signed receipt before the waiter comes back to pick it up from the table.

Do You Really Need To Give Your Social Security Number?

Avoid giving out your social security number unless it's absolutely necessary. Although you need to share your social security number when you apply for credit or for a bank account, sometimes a store or an organization will want to use it as an ID number. This is a fairly common practice even though the law says that social security numbers aren't to be used as ID numbers. In these situations, use your judgment. There's usually an alternative if you ask.

Destroy Documents That Contain Sensitive Personal Information:

Buy an office paper shredder and use it to destroy documents you're discarding which contain personal information like credit card numbers, social security numbers, phone numbers and birth dates. Do this both at home and at work.

Identity thieves frequently go through someone's trash to find personal information that can help them obtain credit in the victim's name.

If It Happens To You, Take The Following Steps Immediately:

1: Contact your credit card companies, close your accounts and ask to have new cards issued to you.

2: Place a fraud alert on your file with the three major credit bureaus (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 & Trans Union: 1-800-680-7289).

3: File a report with your local police department. You may need it to show to creditors a copy of the report as proof of the crime.

4: File a complaint with the FTC: http://www.consumer.gov/idtheft/ - They maintain a database of identity theft cases used by law enforcement agencies for their investigations.

Mike Nalbone Is The Webmaster At: http://www.consumer.gov/idtheft/ Which Provides News, Information And Resources That Anyone Can Use To Do Online Investigations And Criminal Background Checks.

This Article Is ? 2005 & May Be Published Solely In Its Entirety, Un-Modified, Provided The Above Resource Box Is Included Along With An Active (Clickable) Link To: http://www.consumer.gov/idtheft/

Mike Nalbone Is The Webmaster At: http://www.consumer.gov/idtheft/ Which Provides News, Information And Resources That Anyone Can Use To Do Online Investigations And Criminal Background Checks.

Batchtown Chicago prom limo .. Lockport Chicago limo O’Hare

In The News:

A virtual private network can help ensure your information remains security and your privacy remains intact. Kurt the CyberGuy explains.

Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.

Artificial intelligence-based cameras are giving air defense operators unprecedented capabilities in monitoring and protecting airspace.

Apple's iOS 18.1 Inactivity Reboot automatically reboots your iPhone if it hasn't been used or unlocked for more than three days, providing better data protection.

An inventor designed rooftop solar panels for a Tesla that draws solar energy while the car is parked, adding travel mileage without plugging in.

There are currently no laws governing what artificial intelligence can and cannot do with the information it gathers; here are 10 things to avoid telling AI chatbots to keep yourself safe.

A credit union with over 240,000 members recently revealed it was targeted by cybercriminals, resulting in a data breach that was part of a two-month attack by hackers.

Scammers have become skilled at creating convincing fake websites that can easily fool unsuspecting users. The CyberGuy offers tips to protect yourself.

Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.

CAPTCHAs, which are used by websites to confirm whether users are people or bots, are harmless, but hackers are using them to infect PCs with malware.

Hackers recently leaked personal information of about 500,000 Americans and stole patient medical records that included lab results and insurance details.

The holiday season sees a rise in mobile shopping scams. Tech expert Kurt “CyberGuy" Knutsson helps you learn how to stay safe.

Tech expert Kurt “CyberGuy" Knutsson says a VPN enhances online banking security by encrypting data and protecting privacy.

Beware of these six sneaky holiday scams. Tech expert Kurt “CyberGuy" Knutsson gives you tips to avoid falling victim.

Tech expert Kurt “CyberGuy" Knutsson reveals how to securely back up and factory reset your Android to protect your privacy and data.

Artificial intelligence is making life easier for cybercriminals, allowing them to create elaborate scams to trick people. Kurt the Cyberguy explains how to protect yourself.

Cut through all the digital clutter and delete multiple emails from your Android simultaneously. Kurt the CyberGuy explains how it's done.

Tips to prevent your holiday decorations from being stolen

Stay up to date on the latest AI technology advancements and learn about the challenges and opportunities AI presents now and for the future.

Kurt "CyberGuy" Knutsson lays out the immediate steps you should take if your phone has been hacked and your personal information becomes vulnerable.

Fraudsters are sending people bogus invoices through PayPal as part of a sneaky scam that is going around; here's how to protect yourself from being fooled.

A former Colgate-Palmolive employee was shocked to discover $750,000 had been drained from her 401(k) account. "CyberGuy" offers tips on how to prevent identity theft.

Electric vehicle maker Harbinger recently showed its electric delivery truck can handle icy roads with agility and stability in winter.

To make the busiest time of year more manageable, here are some tricks for tracking your packages, taking quality family photos and curating the perfect Christmas playlist.

Kurt "CyberGuy" Knutsson explains how to keep your online Amazon gift purchases a secret from loved ones or friends this holiday season.

How To Protect Yourself Against Identity Theft

Personal Finance