By using common sense and following a few simple security precautions, you can lower your risk of being a victim of this very personal crime.
When a criminal uses another individual’s personal information to “become” that person, it is known as Identity Theft. It can involve more than the theft or misuse of a Social Security Number. It may also involve credit card and other types of fraud.
What should you do?
Act immediately to minimize the danger to your personal information, including but not limited to, personal funds and financial accounts.
Close all compromised accounts that have been established fraudulently in your name.Contact the three major credit bureaus:
If you are a victim, and the US Mail is involved, contact the nearest US Postal Inspector’s office. Contact your local law enforcement agency.
If your Social Security Number was used fraudulently, contact the Social Security Administration at 800.269.0271.
Contact the Department of Motor Vehicles (DMV) to see if another driver’s license was issued in your name.
Contact the Federal Trade Commission (FTC) at 877.ID.THEFT (438.4338) or visit their web site. If any Metro North Federal Credit Union accounts are believed to be compromised, call 904-757-5562.
It is not always possible to secure your personal information 100% of the time. However, if you ask yourself these questions and incorporate the following helpful tips, you may greatly reduce the risk of becoming a victim.
When is the last time I reviewed my credit report?
You should, at a minimum, review your credit report once a year from each of the three credit bureaus. An alternative is to order one report from one of the credit bureaus every 4th month, thus covering all over a one year period.