WHAT IS IDENTITY THEFT?

Identity theft is when someone obtains, and illegally uses your identifying information, such as name, address, date of birth, social security number, or mother's maiden name. An imposter can open new credit card accounts, drain your bank accounts, purchase automobiles, apply for loans, open utility services and on and on. No matter how cautious you are you cannot guarantee that a criminal will not obtain your information.

WARNING SIGNS

Often, there are no warning signs that identity theft has occurred. However, some reasons for concern are: * Your monthly credit card and bank statements suddenly stop arriving. * Your denied credit for no apparent reason. * You start getting bills from companies you do not recognize. * Credit collection agencies try to collect on debts that do not belong to you.

HOW TO PROTECT YOURSELF

PERSONAL INFORMATION * Ask your bank, doctor's office, other businesses and your employer if they protect your personal information. * Never carry your social security card and number, birth certificate, or passport unless necessary. * Do not put your address, telephone number or driver's license number on a credit card sales receipt. * Social Security numbers or phone numbers should not be put on checks. * Identifying information should not be given over the phone or internet to someone you do not know or on a cellular or cordless phone. * Shred all personal documents before placing them in the trash.

FINANCIAL INFORMATION * Get a copy of your credit report every year. * Check monthly credit card statements for charges you didn't make. If you do not get monthly statement contact the lender. * Keep a list, in a safe place, of all credit cards and bank accounts including account numbers, phone numbers, and expiration dates. Check if your online purchase is processed on a secure server. * Do not use your mother's maiden name as a password for your accounts. Make one up. * Unless your mailbox is secure, mail payments at the post office and pick up new checks at your bank.

IF YOU BECOME A VICTIM

Immediately report the crime to the local police.

Report crime to the Federal Trade Commission (1-877-IDTHEFT)

Other Resources: United States Postal Inspection Services US States Secret Service Social Security Administration