Identity Theft Prevention
Security

There are numerous steps that you can take to prevent identity theft.

  1. Shred -
    • junk mail
    • unwanted credit card offers
    • notices
    • advertisements
    • sensitive information

  2. Don't -
    • carry your social security card, passport, or birth certificates in your wallet
    • give your social security number unless absolutely necessary
    • put any other information besides name and address on checkbook
    • forget to take the sales receipts after a purchase

  3. Review -
    • credit report yearly
    • credit card statements monthly
    • bank statements monthly
    • sales receipts after a purchase

  4. Respond quickly -
    • if you've been denied credit. Find out the reason and request a copy of your credit report
    • if there's anything suspicious on your credit card statement, bank statement, etc.


Steps for Identity Theft Victims
If you think you've been a victim of identity theft, then you can request a free copy of your credit report. You can call one of the three credit bureaus. As soon as one credit bureau confirms your fraud alert, the others are notified to place fraud alerts. All three credit bureaus will then send credit reports directly to you, free of charge within 90 days of the placement of the fraud alert, for your review. Call any one of the three major credit bureaus listed below to place a fraud alert.
  • Equifax Tel # 888-766-0008
  • Experian Tel # 888-397-3742
  • TransUnion Corp. Tel # 800-680-7289

If you don't want the three major credit bureaus to sell your name to credit card companies, you can write to the three major credit bureaus or call (888) 5OPTOUT (567-8688). This will remove your name, for two years, from mailing and telemarketing lists that come from TransUnion, Equifax, and Experian.

In addition, you can also report the crime to the police department and close all existing credit card accounts. Ask the credit card company to note that the account was "closed at consumer's request." You can get replacement cards with new account numbers.

 

Other related articles:

Identity Theft: It's Big Business

Identity thieves are preying on your children

Identity Theft Protection Services, Are They Worth It?

 

Fannie Mae & Jumbo Mortgage Rates

Just One Click! = Current Rate Chart

Pennsylvania Mortgage Rates Current Mortgage Rates - Hawaii Current Mortgage Rates - Alaska West Virginia Mortgage Rates Virginia Mortgage Rates District of Columbia Mortgage Rates Maryland Mortgage Rates Delaware Mortgage Rates New Jersey Mortgage Rates Connecticut Mortgage Rates Rhode Island Mortgage Rates Massachusetts Mortgage Rates New Hampshire Mortgage Rates Vermont Mortgage Rates New Hampshire Mortgage Rates Maine Current Mortgage Rates Vermont Mortgage Rates Current Mortgage Rates - New York Current Mortgage Rates - Michigan Current Interest Rates - Wisconsin Current Mortgage Rates - MINNESOTA Ohio Mortgage Rates Current Mortgage Rates - Kentucky Current Mortgage Rates - Indiana Illinois - Current Mortgage Rates Current Mortgage Rates - Iowa Missouri Mortgage Rates Current Mortgage Rates - North Carolina South Carolina Mortgage Rates Current Mortgage Rates - Florida Current Mortgage Rates - Georgia Current Mortgage Rates - Tennessee Current Mortgage Rates - Alabama Current Mortgage Rates - Mississippi Current Mortgage Rates - Louisiana Current Mortgage Rates - Arkansas Current Mortgage Rates - Oklahoma Current Mortgage Rates - TEXAS Current Mortgage Rates - New Mexico Current Mortgage Rates - Arizona Current Mortgage Rates - Kansas Current Mortgage Rates - Nebraska Current Mortgage Rates - Colorado Current Mortgage Rates - Wyoming South Dakota Mortgage Rates Current Mortgage Rates - North Dakota Current Rates - Montana Idaho Current Rates Washington Mortgage Rates Current Mortgage Rates - Oregon Current Mortgage Rates - Utah Current Mortgage Rates - Nevada Current Mortgage Rates - California

Start by selecting your state




iPad for Mortgage Rates

Get Equifax Score Watch Now!