Identity Theft

Identity theft is a rapidly growing problem that has the potential to have a significant impact on individuals. The following are some tips on things you can do to lessen the chance of being a victim.

Do not give out any personal information (name, address, phone number, credit card number, any account numbers, social secuirty number etc.) over the phone, internet, or other media (cell phones for example) unless you are the orginator of the connection. Even then be wary.

Example: You receive e-mail which appears to be from your bank or phone company indicating you have a problem with your account. The e-mail has a link that looks like it is a valid address. The site might look exactly like the company's web site with a request to log in. The whole purpose of this fake web site is to collect your log in information, which can then be used to gain access to your personal information and accounts. This technique is called "Phishing", just one of the many techniques to steal your personal information.
Secure/lock items containing sensitive data (PDA, computer, check book, address book...) when not in your immediate posession. If using a PDA(Personal Data Assistant such as a Palm Pilot) or a laptop computer set a password to access the device and your data and leave it secure until you need to access your data. Use a screen saver that requires a log in after a set amount of time.
Carry only the minimum personal information in you wallet or purse. When you renew your drivers license ask to have your social security number removed from it.
DO NOT throw documents that contain personal information in the wastebasket, they should be shredded.
Guard your mail from theft.
Check account statements carefully to ensure all charges, check, or withdrawls are authorized.
You should periodically check your credit reports from the three major credit bureaus.
Cancel unused or unneeded accounts or credit cards.
OPT OUT of unsolicted credit card and insurance offers.
More information from the US Dept of Education

Rutgers University Cooperative Extension has developed a on-line survey posted at www.rce.rutgers.edu/money/identitytheft which can help you assess your risk for identity theft. If you complete the survey you will receive a score at the end with suggestions on what you can do to limit identity theft opportunities.

Immediately file a report with your local police or the police in the community where the identity theft took place and get a copy of the police report.
the Federal Trade Commission has information available to assist at 1-877-IDTHEFT or www.consumer.gov/idtheft.
Go to www.yourcreditcardcompanies.com or call 1-800-337-0590 for more tips from your credit card companies.