I read in the Sun Sentinel today about the prevalence of identity theft in Florida (not really a surprise as we are the gateway to America for many different cultures). Here are a few tips to practice in protecting yourself (supplied by the Sun Sentinel). I think you need to protect yourself regardless of where you live. Our identity is very personal and sacred:
1. Don' carry your social security card or write your SSN on a check. Give it out ONLY if absolutely necessary or ask to use another form of ID.
2. Don't give out personal information on the phone, through the mail or over the internet unless you know who you are dealing with. Most secure internet sites have "https" vs. "http" - watch for this.
3. Never click on links in unsolicited e-mails and use firewalls, anti-spyware and anti-virus software to protect both your home computer and your smart phone.
4. Avoid using obvious passwords like your birth day, mother's maiden name or the last four digits of your SSN.
5. Look for suspicious activity such as bills that do not arrive as expected; statements for unfamiliar credit cards or accounts, and calls or letters about purchases you did not make.
6. Review your credit report for unusual activity or errors. You're entitled to a free copy every 12-months. To order one, go to AnnualCreditReport.com or call 877-322-8228.
IF you are a victim of identity theft:
1. Place a "fraud alert" on your credit report through one of the three nationwide consumer reporting companies - Experian 888-397-3742; Transunion - 800-680-7289; or Equifax 800-525-6285.
2. Contact the security or fraud departments of each company where a fraudulent account was opened or charged. Follow up in writing, and ask for verification that the disputed accounts or charges have been resolved.
3. Keep a file on the theft with copies of documents and notes on conversations.
4. File reports with your local police agency and the FTC. at ftc.gov/idtheft or 800-438-4338.
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