How To Protect Yourself From Identity Theft
Identity theft is a serious crime that is spreading annually. If you're a victim of identity theft you might spend months, possibly years, attempting to mend a ruined credit report. A severely ruined credit history may compromise your opportunities of getting a new job, a bank loan, insurance or even rental housing. It is even possible to be arrested for a crime you didn't commit if an individual has utilized your identity to break the law.
Sadly, many of the means that crooks use to steal identities are out of your control to shield against. Although it is seldom, even store clerks have been known to utilize their position to send along information to identity thieves. There are certain measures you can take, however, that will make it more difficult for a criminal to swipe your identity.
Safeguard Your Credit Card Number When Buying Items
After you make a purchase and your credit card or debit card has been processed through a credit card machine, inspect to be certain that the printed receipt disguises every number but the last four digits of your credit card account number (often there will be X's in place of the 1st 12 digits). Some machines still print receipts that display all 16 digits of an account number, and might even have the expiration date too. After your card is swiped, you're permitted legally to conceal the 1st 12 digits of your account number on the copy of the receipt that the seller retains. Utilize any marking pen that can do the deed.
When you dine at a restaurant, it is primarily crucial to be sure that the first twelve digits of your credit card number are concealed on your receipt. You may be in the habit of endorsing it and then forgetting the restaurant's copy on the dinner table after your meal. A criminal can easily swipe the signed duplicate receipt before the waitperson comes back around to pick it up from the dinner table. Do not take any chances.
Do You Really Need To Offer Your Social Security Number?
Additionally, an important way that you may protect against identity theft is to avoid giving out your social security number except when it is truly necessary. Although you need to share your social security number upon applying for a loan or for a bank account, on occasion a store or an organization will need to utilize it as an ID number, only to classify you in their network. This is an ordinary routine although the law says that social security numbers are not to be utilized as ID numbers. In these situations, use your rationality. There is usually a substitute if you question.
Destroy Forms That Contain Sensitive Personal Information
Purchase a paper shredder and apply it to terminate papers you're getting rid of which include personal data such as credit card numbers, social security numbers, phone numbers and birth dates. This is important to do both at your residence and your place of employment. Identity thieves are not above sifting through people's garbage to acquire valuable personal data that can help them obtain credit in your name.
If The Worst Occurs
If you do become a victim of identity theft, take the following actions without delay:
* Communicate with your credit card companies, stop your accounts and request to have new cards issued to you.
* Put a fraud alert on your file with any 1 of the 3 major credit bureaus. The other 2 will be notified automatically.
* Put in a police report. You may be required to have it to show to creditors as evidence of the crime.
* Put in a complaint with the FTC, which keeps a filing system of identity theft cases utilized by legal agencies for their investigations. ----------
Article Source: http://www.search-raven.com
About the Author
William Hopkins hates identity theft especially knowing how LifeLock can help prevent it. Be sure to read his LifeLock reviews.
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by: WilliamHopkins
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