America, its time to take an aggressive stance in preventing identity theft! The odds of the average American becoming the victim of such an outrageous crime are greater than you might think. In fact, with todays technology and just a little creativity, thieves can quite easily capture your personal identity for the purposes of draining your funds, charging expensive items to your credit cards and recreating their entire lives to virtually become you. There are effective ways to fight this epidemic its just a matter of familiarizing yourself with them. Financial Transactions Lets face it, theres no way to function within society without participating in some type of financial transaction on a regular basis. Whether its going to the ATM, applying for a loan or charging merchandise on a credit card, were all caught in the electronic loop and will need to find an effective means for preventing identity theft. - Dont place outgoing bill payments in your mailbox for mail carriers to collect.
- Make sure that the keypad is shielded when you type in the PIN number for your ATM banking transactions.
- Pick up boxes of new checks directly from your bank; never have them mailed to your home.
- Dont include your social security number or drivers license number with your pre-printed name and address on your checks.
- Dont write credit card or bank account numbers on your checks.
Credit Cards Too many people become lax in the area of credit card information. So many folks order merchandise over the phone or online using these cards, and little is done in the way of preventing identity theft. - Don't apply your signature to your credit cards, instead write on the back -in permanent ink- "Ask for driver's license" or any variation.
- Dont get into the habit of carrying all of your credit cards with you only carry what youll need for the purposes at hand.
- Shred any unused documentation that contains your credit card information, and do the same with pre-approved credit card applications.
- Never dispose of credit card receipts by simply throwing them in the wastebasket. Always shred them before disposal.
Social Security Number This is one of the most commonly stolen bits of data today, which helps to cement identity theft. By protecting this precious piece of personal information, you can do much in the area of preventing identity theft. - Memorize your social security number, and never carry your card or other document that may contain the number, in case of theft.
- Dont allow your social security number to be used as an ID number, either at work or on various types of accounts.
- When obtaining a drivers license, request that your social security number is not used as your drivers license number. Although this is a common practice in some states, you do have the right to make such a request and be assigned a different number..
- Never print your social security number on your checks.
- Request a statement from the Social Security Administration showing your earnings and benefits every few years, to ensure that everything is correct.
These and many other precautions can be taken to ensure that youre protected from identity theft. Although theres no sure-fire guarantee that it wont happen to you, prevention is certainly the best medicine just ask anyone whos ever been the victim of such a crime. |
