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Identity Theft

Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft.  It is a serious crime.  And, unfortunately, incidents of identity theft are growing.  One example is when a thief uses your personal information to open a credit card account in your name.

No matter how cautious you may be, there is no fool-proof way to prevent identity theft.  But there are ways you can minimize your risk.  This page contains valuable information on how to protect yourself-by managing personal information wisely, knowing the warning signs and having a plan of action if you become a victim.


  • Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
  • Don't carry your Social Security card with you; leave it in a secure place.  Carry only the identification and credit and debit cards that you need.
  • Don't put your address, phone number or driver's license number on credit card sales receipts.
  • Social Security numbers and phone numbers should not be put on your checks.
  • Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding and credit offers you get in the mail.
  • Secure your credit card, bank and phone accounts with passwords.  Avoid using easily available information like birth date, the last four digits of your SSN or your phone number.  When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name.  Use a password instead.
  • Secure personal information in your home, particularly if you have roommates or hire outside help.
  • Promptly remove mail from your mailbox.  If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.
  • Ask about information security procedures in your workplace.  Find out who has access to your personal information and verify that records are kept in a secure location.  Ask about the disposal procedures for those records as well
  • Before revealing any personally identifying information (on an application, for example), find out how it will be used and secured-and whether it will be shared with others.  Ask if you have a choice about the use of your information.  Can you choose to have it kept confidential?

Credit report

Order a copy of your credit report from each of the three major credit-reporting agencies every year.  Make sure it is accurate and includes only those activities you have authorized.  The law allows credit bureaus to charge you up to $9.00 for a copy of your credit report. However, a free credit report may be obtained at

By checking your report on a regular basis, you can catch mistakes and fraud before they wreak havoc on your personal finances.  DO NOT underestimate the importance of this step.

Credit Bureaus 
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285
To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)
To order your report, call: 800-916-8800
To report fraud, call: 1-800-680-7289


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