Identity Theft
The Issue
With the growth of technology, protecting your personal information has never been more important.
Fraudsters use a variety of techniques to acquire a victim’s card number. Some of the ways include using high-tech devices known as skimmers to swipe the card so as to collect the pertinent information from the magnetic strip or by using low-tech methods such as copying or obtaining discarded receipts. To protect yourself, consider a few common sense tips:
- Shred all mail that has your personal information, especially credit card offers.
- Never store debit/credit card PINs with the card. Commit them to memory.
- Shred all receipts.
- Check your bank and credit card statements regularly for any unauthorized purchases.
- Never share your online account passwords.
- Change your passwords often and use complex passwords, with a mix of numbers, letters, and symbols.
Resources
If you have been a victim of Identity Theft, take the following steps immediately:
- Call the Fraud Departments of the three major credit bureaus.
Experian (TRW): 1-888-397-3742
TransUnion: 1-800-680-7289
Equifax: 1-800-525-6285 - Contact the card issuer.
-Report the fraud immediately by phone and in writing.
-Close all of the affected accounts.
-Complete an affidavit indicating fraud has occurred.
-Keep detailed logs of all contacts you have made. - Notify your local police department and obtain copies of all police reports.
FOR MORE INFORMATION:
Frequently Asked Questions
- Read the letter closely and follow the recommendations of the company that notified you.
- Freeze your credit with all three credit bureaus for free (Equifax, Experian and TransUnion).
- Closely analyze your free credit report annually for unfamiliar accounts.
- Change your passwords with the company that made the notification.
- Update all other passwords to a complex password that is unique for each online account.
- Use multi-factor authentication or pass keys for any online account that supports it.
- Report the fraud to the company where your identity was used.
- Report the fraud to local law enforcement.
- Report the fraud to the Social Security Administration at www.ssa.gov.
- Go to www.identitytheft.gov and follow the FTC's recommendations.