Identity theft occurs when someone uses your name, Social Security number, credit card number or other personal information without your permission to commit fraud or other crimes.
How to Prevent Identity Theft
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Monitor Your Credit
These alerts will send you an email or text message when money is spent above certain thresholds or your account has been used without the card present.
Protect Your Credit Card and Financial Information
Web addresses that begin with https and that have a lock icon in the address bar are secured with encryption software to protect your information.
That way you can monitor all online purchases on one statement, and keep another card for face-to-face transactions.
Protect Your Privacy
These scams are designed to lure you into submitting personal information online or clicking suspicious attachments. Legitimate companies don't request sensitive information via email. If in doubt, call the company's customer service center.
If You Suspect Your Identity Has Been Compromised
- You can request a free credit report from each of the three nationwide consumer credit reporting agencies (listed above) per 12-month period. The easiest way to get free copies of your credit report is to visit AnnualCreditReport.com.
- Examples of suspicious activity are new accounts you did not open or purchases you didn't make.
This will allow you to send a copy of the report to creditors that require evidence that you allege a crime has occurred.