PROTECT YOURSELF FROM IDENTITY THEFT/FRAUD

Today, more and more people are aware of the dramatic increases in identity theft/fraud thanks to a variety of media outlets. However, very few people take proactive steps to protect themselves from identity theft/fraud. Below, we have listed some simple steps to protect yourself from identity theft /fraud as well as what you should do if your wallet is lost or stolen.

1. The next time you order checks do not use your full name. Use your first name initial and your last name. If you have a P.O. Box, use that rather than your home address. Never have your social security number printed on the checks. If a merchant requires your phone number on the check, use your work number.

2. When writing checks to pay credit cards, do not write your entire account number on the check. Instead, write just the last four numbers of your account number.

3. Do not sign the back of your credit cards. Instead, write “Photo ID Required”

4. Photocopy the contents of your wallet. This includes your license, credit cards, social security card, etc. Place the photocopies in a safe place where they can be quickly retrieved if your wallet is lost or stolen.

5. If your wallet is ever lost or stolen, you should IMMEDIATELY:
a. Report all credit cards lost or stolen;
b. File a police report; and
c. Call the three national credit reporting organizations to place a fraud alert on your name and social security number. This is particularly important as the company that checks your credit will know your information was lost or stolen and will have to contact you to authorize new credit.

6. Below are the numbers you will need if your wallet, I.D., etc. has been stolen:
a. Equifax: 1-800-525-6285
b. Experian: 1-888-397-3742
c. Trans Union: 1-800-680-7289
d. Social Security Administration (fraud line): 1-800-269-0271