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Identity Theft Protection

Identity theft occurs when someone uses another person's personal information such as name, social security number, driver's license number, credit card number or other identifying information to take on that person's identity in order to commit fraud or other crime.


How to Remedy Identity Theft

If you have reason to believe your identity has been stolen, it is recommended you take the following actions.

  • Contact the Federal Trade Commission (FTC) to report the situation, whether Online,
  • By telephone toll-free at 1-877-ID THEFT (877-438-4338) or TDD at 1-866-653-4261, or
  • By mail to Consumer Response Center, FTC, 600 Pennsylvania Avenue, N.W., Washington, DC 20580.

Contact the three major credit bureaus:

www.equifax.com
1-800-525-6285

www.experian.com
1-888-EXPERIAN (397-3742)
 

 

www.transunion.com
1-800-680-7289

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Protect Your Social Security Number

Never carry your social security card or other cards that show your SSN, unless absolutely necessary.

Use Caution When Giving Your Personal Information

Scam artists "phish" for victims by pretending to be banks, stores or government agencies. They do this over the phone, in e-mails and in postal mail.

DO NOT give out personal information on the phone, through the U.S. mail, through e-mail or over the Internet unless you have initiated the contact or know who you're dealing with. Identity thieves may pose as representatives of banks, Internet service providers and even government agencies to get you to reveal your social security number, mother's maiden name, financial account numbers, passwords and other identifying information. Legitimate organizations have the information they need and will not ask you for it. There have been many reported attempts to gain access to personal information through e-mail solicitations that are made to appear as having come from a valid source (e.g., eBay, PayPal) but in reality are spoofed e-mail messages. Give your social security only when absolutely necessary. Ask to use other types of identifiers when possible. Don't carry your social security card.

Bank and Billing Statements

Open your credit card bills and bank statements right away. Check carefully for any authorized charges or withdrawals and report them immediately. Call if bills don't arrive on  time. It may mean that someone has changed contact information to hide fraudulent charges

Ask Questions

Ask questions whenever you are asked for personal information that seems inappropriate for the transaction. Ask how the information will be used and if it will be shared. Ask how it will be protected. If you're not satisfied with the answers, don't give your personal information

Protect Your Computer and Data

Protect personal information on your computer by following good security practices.

  • Use strong passwords that contain numbers, symbols and at leat one capital letter
  • Use firewall, anti-virus and anti-spyware software that you update regularly.
  • Download software only from sites you know and trust and only after reading all the terms and conditions.
  • Don't click on links in pop-up windows or in spam e-mail

Visit our Security Best Practices page for staying safe online.
 

Use Caution When Shopping

When shopping online, check out a Web site before entering your credit card number or other personal information. Read the privacy policy and take opportunities to opt out of information sharing. Only enter personal information on secure Web pages that encrypt your data in transit. You can often tell if a page is secure by checking if "https" is in URL or if there is a padlock icon on the browser window.

Install Software That Protects You

Software such as anti-virus, anit-spyware, and ad blockers for your browsers will help keep you safe online

What To Do If You're A Victim of Identity Theft