Saturday, 01 May 2010 04:42

The FTC (Federal Trade Commission) states that the identities of approximately 9 million Americans are stolen each year. The crime involves the theft of certain personal identifying items, such as a name, bank statement, credit card, or Social Security number, and using them to carry our fraudulent acts. Anyone who has encountered problems associated with identity theft knows how serious fraudulent activity is and the extent to which it can damage your livelihood. Taking preventive measures and staying informed are steps that can help to ensure that you don’t become a victim of identity theft. In order to be vigilant as a consumer and avoid this threat, your must learn to deter, detect, and defend yourself by following prudent tactics.

• Beware of Phishing Attacks. Phishing scams occur when a con artist impersonates a bank, credit card company, or online retailer and sends you an email asking you to provide your personal information. Although these emails may appear to be real in every way, they aren’t. If you receive a suspicious email, don’t click the links or attachments included in the message as doing so usually will have a detrimental result.

• Shred or Destroy. It is wise to shred or destroy paperwork that contains personal information before throwing it away, especially preapproved credit card offers.

• Strange Phone Calls. If you receive calls from collection agencies regarding debt you did not incur, remain calm and find out more information about the charge. Document the call and check into the charges immediately. Don’t give the caller your bank or credit card information to pay the bill because doing so could cause additional problems if the caller is not legitimate.

• Opt Out. To limit the disclosure of your personal information, contact your banks, mortgage brokers, and the three major credit bureaus to tell them you want to opt our of programs that share personal information. The Direct Marketing Association’s Mail Preference Service lets you register to receive less commercial advertising mail.

• When It’s Too Late. If you become a victim of identity theft, take immediate steps to correct your records. Make sure to document telephone calls and follow up in writing using certified mail, return receipt requested. Never send original documents and always keep a copy of letters refuting charges. Examples of documents you can furnish are debt collection letters, credit reports, or a copy of your printed ID Theft Complaint.

• Tell The FTC. Filing a report with the FTC helps with fraud investigation and can help with investigations across multiple jurisdictions. The information can help policy makers and businesses create better remedies and prevent identity theft. An ID Theft Affidavit from the FTC may also help in disputing charges

                                   PC Today, Joanna Safford

< Prev		Next >