What Is Identity Theft?
Identity theft occurs when someone assumes your identity to perform a fraud or other criminal act.
How Can Criminals Get “My Identity”?
Criminals can get the information they need to assume your identity from a variety of sources, including by stealing your wallet, rifling through your trash or by getting your credit or bank information. They may even approach you in person or by telephone or on the Internet and just ask you for the information. That is why I want to give you some identity theft protection tips that will definitely help keep these criminals away.
Can I Stop This Theft?
In reality, the sources of information about you are so numerous and so available that, in truth, you cannot prevent the theft of your identity if a criminal is determined enough to get it. Now, before you panic, let me assure you, that does not mean YOUR identity will be stolen.
Let me also assure YOU, that you can greatly minimise the possibility of identity theft happening to you if you follow these identity theft protection tips which I will go through with you.
Before going any further, I do want to personally assure you that my opinion is non bias and that I am in no way connected to or affiliated with any security or identity theft prevention services.
Identity Theft Protection Tips:
- Never throw away ATM receipts, credit statements, credit cards, or bank
statements in a usable form. If it’s paper, tear into small pieces or shred, for credit cards and the like, cut into pieces with a scissors or shred.
- Never give your credit card number over the telephone unless you make the call.
- Reconcile your bank account monthly and notify your bank of discrepancies immediately.
- Keep a list of telephone numbers to call, if you ever need to report the loss or theft of your wallet, credit cards, etc.
- Report unauthorised financial transactions to your bank, credit card company, and the police as soon as you detect them – do not delay.
- Review a copy of your credit report at least once each year. Notify the credit bureau in writing of any questionable entries and follow through until they are explained or removed.
- If your identity has been stolen, don’t forget to ask the credit bureau to print a statement to that effect in your credit report.
- If you know or ever hear of anyone receiving mail from credit card companies or banks, in the names of other people, report it to local law enforcement authorities immediately.
At first glance, these might seem like a lot to take on board or even remember but, you know what, we all need to take responsibility for our own security and I think these are all very easy steps to take in order to help protect ourselves – what do YOU think?
In addition to protecting your identity, they will also give you peace of mind by lessening any worries or fears you might have about identity theft.
So, be careful and stay safe………
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Cheers and do take care.