Information about protecting yourself from identity theft.

Keep your Security Codes Private

Do not keep a written list of any personal identification codes...

Never, ever write down your personal identification numbers, or PINs. They should be memorized. If you need to write them down somewhere, keep them where only you know where they are and never with your cards themselves. No one else, other than yourself, ever needs to know your PIN, even your bank, friends and family. A lot of identity theft is, unfortunately, traced back to family members who you trusted. You could be held liable for the charges a family member incurs as part of their theft of your identity if the financial institution can prove negligence on your part.

Another good idea is to keep a photocopy or list of all the credit and identification cards that you carry with you, including the front and back. All cards have phone numbers on them incase they are lost or stolen. Keep your list or photocopies in a safe place where only you can access them.

Adopt a ‘need to know’ for your personal data. If people don’t need to know, then do not share the information with them. Banks and credit card companies will ask for your mother’s maiden name as a way of verifying your identity when you call their office, however, they do not need it if they are calling you. Ask them politely if you can call them back to verify their identity. A reputable bank or credit card company will allow you to do so without hesitation.

Reduce the amount of personal information that is printed on your personal bank checks. There is no need for your phone number or social security number to be printed on your checks; this only increases the amount of personal information of yours that criminals can access.

If you are called on the phone and offered a ‘grand prize’, ask them to send you a written form. If they do send you a form, carefully examine it and check out the company before submitting your information. If they won’t do it, tell them you are not interested and hang up.

If you are traveling, have the post office retain your mail, or have a trusted friend or family member hold your mail for you.

Periodically you should request a copy of your credit report to ensure there are no unauthorized debts hanging around in your name.

By simply being cautious with your personal information, you are already half way to thwarting thieves looking to assume your identity and commit fraud. Always protect your information and check your bank and credit card accounts regularly for fraudulent activity.

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