Identity Fraud

Identity Theft is reportedly one of the fastest growing consumer crimes in the U.S. It happens when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It destroys your credit and your good name.

Protect Yourself from Identity Theft

• Regularly check all of your bank and billing statements. If you see any possible error or something you don't understand, call and inquire.
• Be careful not to carry too much personal information in your wallet or purse (ie: social security card, bank and credit card numbers with passwords and PINs).
• Do not give out personal information over the phone if you did not initiate the call.
• Always exclude your social security number from your checks. Give it out only if absolutely necessary or ask to use another identifier.
• Make sure your drivers license and social security numbers are not the same.
• If you have not received a bill or statement you were expecting after the usual mailing time, contact the company or creditor.
• Never place outgoing mail in your personal mailbox. Use the post office or postal mail drops.
• Shred all receipts and other paperwork that contains any personal identifying information.
• Regularly order a copy of your credit reports to check for any unusual or unknown items. Visit www.annualcreditreport.com or call 1-877-322-8228 to order you free annual credit report.
• Destroy all pre-approved credit card applications if you are not going to take advantage of them.

If you become a victim of Identity Fraud, immediately take the following steps:

1. Contact each of the credit reporting agencies to request a fraud alert be placed in your credit file.
   • Equifax - 1-800-525-6285 www.equifax.com
   • Experian - 1-888-397-3742 www.experian.com
   • TransUnion - 1-800-680-7289 www.transunion.com
2. Contact your local police or sheriff's department and make a report.
3. Notify all of your financial institutions and credit grantors.
4. Contact Government Agencies:
   • The Federal Trade Commission: 1-877-438-4338 www.ftc.gov