Identity Theft Education

Identity Theft Education

Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.

Deter identity thieves by safeguarding your information.

  • Shred financial documents and paperwork with personal information before you discard them.
  • Protect your Social Security Number. Don’t carry your Social Security Card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
  • Don’t give out personal information on the phone, through the mail or over the Internet unless you know who you are dealing with. Avoid disclosing personal financial information when using public wireless connections.
  • Never click on links sent in unsolicited emails. Instead, type in a web address you know. Use firewalls, anti-spyware and anti-virus software to protect your home computer and keep those programs up-to-date. If you use peer-to-peer (P2P) file sharing, check the settings to make sure you’re not sharing other sensitive, private files. Visit for more information.
  • Don’t use an obvious password like your birth date, your mother’s maiden name or the last four digits of your Social Security number.
  • Keep your personal information in a secure place at home, especially if you have roommates, employ outside help or are having work done in your house.

Detect suspicious activity by routinely monitoring your financial accounts and billing statements.

Be alert to signs that require immediate attention:

  • Bills that do not arrive as expected
  • Unexpected credit cards or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you did not make
  • Charges on your financial statements that you don’t recognize


Your Credit Report. Credit reports contain information about you, including what accounts you have and your bill paying history.

  • The law requires the major nationwide credit reporting companies – Equifax, Experian & TransUnion – to give you a free copy of your credit report every 12 months if you ask for it.
  • Visit or call 1.877.322.8228, a service created by these three companies, to order your free annual credit report. You can also write: Annual Credit Report Request Service, P.O Box 105281, Atlanta GA 30348-5281.
  • If you see accounts or addresses you don’t recognize or information that is inaccurate, contact the credit reporting company and the information provider. To find out how to report errors on your credit report, visit

Defend against ID theft as soon as you suspect it.

  • Place a “Fraud Alert” on your credit reports, and review the reports carefully.
    The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
    Experian: 1.888.EXPERIAN (397.3724)
    TransUnion: 1.800.680.7289
    Equifax: 1.800.525.6285

    Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open and debts on your accounts that you can’t explain.

  • Contact the security or fraud departments of each company where an account was opened or charged with your okay.
    Follow up in writing, with copies of supporting documents. Use the ID Theft Affidavit at to support your written statement. Ask for verification that the disputed account has been dealt with and the fraud debts discharged. Keep copies of documents and records of your conversations about the theft.
  • File a police report.
    File a report with law enforcement officials to help you correct your credit reports and deal with creditors who may want proof of the crime.
  • Report the theft to the Federal Trade Commission.
    Your report helps law enforcement officials across the country in their investigations.

By Phone: 1.877.ID.THEFT (438.4338) or TTY, 1.866.653.4261
By Mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington DC 20580

*Source: Federal Trade Commission*