I went to another Google talk yesterday on identity theft, and I think it was valuable enough to post my couple pages worth of notes. It's going to be fairly long, but you may find something of value as you evaluate how you're protecting yourself and your family from ID theft. I realized I'm guilty of doing, or not doing, some of these things. I'm going to copy my notes straight in from the quickly typed bullets in Word. If you have any questions or want clarification on anything, just comment and then check back as I'll answer back in comments as well.
Here you go:
Identity Theft tech talk – 7/2/08 – Identity Theft Resource Center (Jay Foley)
Most commonly stolen pieces of ID: SSN, DL#, birth cert info, financial acct #s
· Don’t carry SSN cards w/ you
· Minimize # of credit cards in your wallet
· Minimize pieces of ID that show SSN
· Don’t carry blank checks or deposit slips in purse/wallet
· Use specialized pens when writing checks
· Shred all unused or old checks
· Only use checks with merchants you know and trust
· Use credit cards when possible
· Debit cards: cash goes out immediately; only short period of time to dispute or investigate (10 days); very hard to get money back from bank
· Credit cards: 30-60 days to notify cc company
· Use a locked mailbox and receive all mail
· Never leave mail unattended for pickup
· Do not drop outbound mail in box after last pickup of day
· Monitor your mail for the regular items you receive – if you’re not getting or if they’re late, start asking questions
· Shred and destroy any papers you throw out! – good quality cross cut shredder, destroy bar codes also
· Shred and destroy pre-approved credit offers
· Opt out of pre-approved credit card offers (888-5OPT-OUT) – don’t forget to OPT-OUT your child when opening any new financial account under their name – only includes companies that buy info from the credit reporting companies (Equifax, Experian, TransUnion).
· Never provide SSN to anyone unless they have a good reason for needing it – watch for eavesdroppers and ask for privacy when conducting financial business
· Never provide personal information during a phone call which you did not initiate
· No legitimate business will ever send account verification emails asking you for personal information – it’s “Phishing”
· Rule of thumb, the faster someone talks on the telephone, the more likely it is to be a scam call
· Don’t necessarily trust caller ID – it still might be a scam call
· Keep firewall and antivirus and antispam up to date
· Use secure websites for online financial transactions (enter name of company and product into Google search to check)
· Implement password protection (including user accounts, wireless routers, online accounts, etc.)
· Areas beyond your control:
o Any database where your personal info is on file (doctors, schools, jobs, etc.)
o An employee who processes a purchase you make and steals the information
o A company that handles your financial data
o Dumpster diving, mail theft, and other
o Ask these questions:
§ Why is information being collected?
§ Who will have access to my information?
§ What will happen if I don’t give it to you?
· Most common breaches:
o Business
o School
o Financial institution
o …
· Order free credit reports
o 877-322-8228
o
www.annualcreditreport.como Order one at a time from each credit service – every four months (stagger requests)
· Review credit reports carefully
· Review monthly bank and credit card statements
· Consider the possibility of placing a credit freeze on your credit file (
www.privacyprotection.ca.gov/sheets/cis10securityfreeze.htm) … $10 fee unless victim of theft; lasts until you take it off
· Place a fraud alert on your credit reports – asking credit agencies to contact you first before opening a new line of credit
o A fraud alert is active for 90 days only
o Should be renewed every 90 days for at least a year
o Initial call will generate a letter confirming fraud alert been placed
o Recommend to contact all three agencies yourself rather than only talk to one and hope they tell the other two
· Credit freeze or fraud alert both accomplish pretty much the same thing – you don’t really need to do both unless you have a fraud alert on your credit and you start getting calls for credit lines you’re not requesting, then you can put on a credit freeze.ITRC: non-profit that exists only to help victims of ID theft (free of charge) - 858-693-7935