Identity theft is on the rise as thieves become more sophisticated. Protect yourself by taking proactive measures to prevent fraudulent bank or credit accounts from being opened in your name. Here are some essential tips:
Create a Credit Card List:
- Make a list of all your credit cards, even those you don’t carry daily.
- Include account numbers, issuer names, and emergency phone numbers.
- Store this list in a secure, easily accessible place (not in your wallet).
Keep Your Credit Card in Sight:
- When paying at stores or restaurants, keep your credit card within view to prevent unauthorized use.
Secure Important Documents:
- Avoid carrying your birth certificate or Social Security card in your wallet.
Protect Your Mail:
- Install a locked mailbox to prevent mail theft.
- Contact your credit card company or bank immediately if your statement is late.
Be Cautious When in Public:
- Keep your purse or wallet secure. Don’t leave it unattended, even briefly.
Use Safe ATMs:
- Prefer drive-through ATMs or those inside stores and well-lit areas.
- Shield your personal identification number (PIN) when typing and avoid writing it on your ATM card.
Shred Sensitive Documents:
- Shred pre-approved credit card or loan applications, and checks mailed by your credit card company before discarding them.
Monitor Your Accounts:
- Check bank statements as soon as you receive them.
- Order a copy of your credit report at least once a year and review it for signs of fraud.
Request a Unique Driver’s License Number:
- If your state uses Social Security numbers on driver’s licenses, request a randomly assigned number.
Guard Your Personal Information:
- Never give out your Social Security, credit card, or bank account numbers to unsolicited callers.
- Share these details only when you initiate the call.
Stay Alert for Scams:
- If you suspect a scam, contact your local police.
Act Quickly if Your Wallet is Stolen:
- If your wallet or personal identification is stolen, act immediately.
- Call the police, your credit card companies, your bank, and the three major credit bureaus (Experian: 888-397-3742, Equifax: 800-685-1111, and TransUnion: 800-680-7289).
- Request a fraud alert on your credit report to warn creditors of potential compromise.
By following these tips, you can significantly reduce the risk of identity theft and protect your financial well-being. Stay vigilant and proactive in safeguarding your personal information. If you have identity theft concerns, please contact C.S. West & Associates of Tampa so we can advise you on the best course of action.
