How Can You Avoid Identity Theft?

Identity theft is a real problem, but the good news is that you can take steps to avoid it. Here are some tips to keep in mind:

• Never respond to any unsolicited request for your social security number, bank account or credit card numbers or the password or personal identification numbers (PINs) for your ATM or debit cards. Giving away this information is no different from giving a stranger the keys to your house.
• Don't use easy to figure out access or PIN codes like your birthday, phone number, the last four digits of your social security number or your mother's maiden name.
• If you’re throwing away an ATM or credit card receipt, or even a pre-approved credit card offer, make sure to shred it or tear it up first.
• Before purchasing online, make sure the site has a secure server to encrypt your transaction. Secure pages will begin with "https" rather than "http" and will often display a small locked lock on the browser window.
• Not sure if the site is secure? Shop somewhere else, or place your order by mail or by phone.
• Make sure that the site displays a TRUSTe or BBBonline seal, which certifies that minimum privacy and ethical business standards are being met.
• Order a copy of your credit report at least yearly from the major credit reporting agencies and check it carefully to make sure it is accurate. Cost is about $8 per copy (free to fraud victims). You can do this online at Equifax, Experian and Trans Union.
• Check bank, checking account, credit card and other financial statements for accuracy and maintain comprehensive records of all accounts.
• Don't carry your social security card and check to see if another number can be substituted if you live in a state that place SSNs on its drivers licenses.
• Make an annual review of your Social Security Earnings and Benefits statement to ensure someone else is not using it for employment purposes. This is available from the Social Security Administration at 800-772-1203.