Identity Theft 

IdentitySecure®

IdentitySecure® offers identity theft protection, detection and resolution in the event that your identity is stolen. 

One in ten U.S. consumers has experienced identity theft and as technology changes, there are increasing ways that this could affect you. A monthly membership with IdentitySecure® offers you protection and the confidence that your information is secure.  You can receive credit/debit card monitoring, triple-bureau daily credit monitoring, social security and bank account monitoring as well as insurance for identity theft. Learn More.

What is Identity Theft?

Identity Theft involves personal information such as name, address, date of birth, social security number or a mother's maiden name being stolen in order to assume an individual's identity. This information allows the thief to commit many types of fraud. Example types of fraud are applying for loans, apartment rentals or establishing phone and utility services.

Most identity theft victims never know how their information was obtained. It can be from inadvertently providing sensitive personal information on the internet, stolen mail or a stolen purse or wallet. A method that is common is called Phishing. Phishing is an attempt to acquire sensitive information by posing as a trustworthy entity via electronic communication. Another common method is pretexting. The identity thief poses as a legitimate representative of an entity such as a financial institution, employer, service provider or government agency. They contact you to "verify" data. No trustworthy entity would initiate contact to verify sensitive personal information.

Steps to Prevent Fraud

  • Memorize your social security number, all of your passwords and PIN (Personal Identification Numbers). Do not write them on any card or on anything in your wallet or purse
  • Never give personal information over the telephone unless you initiated the call. Be particularly wary of giving out your social security number
  • Never provide personal information on the Internet in response to an electronic communication
  • Shred pre-approved credit applications, credit card receipts, bills, expired credit cards, account statements and all confidential documents before recycling
  • Promptly remove mail from your mailbox
  • Sign all new credit cards upon receipt
  • Match all credit card receipts against your monthly credit card bills
  • Report all lost or stolen cards immediately
  • Review your credit report from the three major credit bureaus once a year
    • Be sure you are aware of all accounts listed
    • Look for copies of your credit report sent to unknown sources
    • Be sure there are no inquiries you didn't apply for
    • Check for addresses where you have never lived
    • Typos in your Social Security Number

What to do if You're a Victim

  • Contact the fraud departments of the three major credit bureaus to place a fraud alert on your credit file
  • Close the accounts that have been affected
  • File a police report (send copies to your creditors and others that may require proof of the crime)
  • File your complaint with the Federal Trade Commission and Post Office
  • Contact the Identity Theft Resource Center at: (858) 693-7935
  • Contact the Federal Trade Commission at: (800) IDTHEFT
  • Contact the Fraud Units of Credit Reporting Bureaus at:
    • EQUIFAX: (800) 525-6285
    • EXPERIAN: (888) 397-3742
    • TRANS UNION: (800) 680-7289

 

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