Divorce and Identity Theft


Published on

Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers who may be planning or going through a divorce and to reduce their exposure to identity theft.
Stay Safe, Stay Secure

Company names mentioned herein are the property of, and may be trademarks of, their respective owners.

  • Be the first to comment

  • Be the first to like this

No Downloads
Total views
On SlideShare
From Embeds
Number of Embeds
Embeds 0
No embeds

No notes for slide

Divorce and Identity Theft

  1. 1. Divorce and Identity Theft
  2. 2. Protect yourself from Identity Theft  Identity Theft can happen before, during or after your divorce. This could be from;  Family members  Family friends  In-laws  Scammers  Be prepared. Know what your credit looks like.  Be secure. Flag your credit with fraud alerts or security freezes.  Take action. If someone attempts to obtain, open or use your credit. File a detailed police report.
  3. 3. Credit Bureaus  Notify the three National Credit Bureaus imminently by placing fraud alerts or Security Freezes on each bureau;  TransUnion  Experian  Equifax  You can renew your fraud alerts every 90 days, this includes free credit reports. Review them closely. You may need to provide copies to the courts.  Credit Scores are not free, per se. You might be offered a ‘free’ score to try a trial membership. Be careful, now is not the time to get tricked into a costly membership you really don’t need at this time.  CreditKarma offers a free score from TransUnion. No tricks !  Security Freezes are not free, start with the Alerts first. Check with the credit bureaus for pricing/
  4. 4. Financial Accounts  This can quickly become complex. Contacting current creditors to inform them of a pending divorce, could concern them enough to block the accounts to prevent additional debt from being added, especially now that the income may be less than when they were opened.  Open a new checking account to forward paychecks and income.  You can request the bank that holds any joint accounts to freeze them until after the divorce.  Household bills still need to be paid, so maintaining access to funds will be important for both parties.  Contact the IRS to report separate income
  5. 5. Household Accounts After the divorce is final, if you are no longer living in the residence, unless an agreement is in place, Cancel the following:  Electric  Cable  Gas  Phone  Magazines  Other _______________  Other _______________
  6. 6. Advocate TIP  Sometimes an angry spouse will run up credit card debt on a joint account or engage in other activities in order to ruin your credit.  Protect your Financial Credit & Identity by monitoring your credit files, a good monitoring service may be useful at least for the first six month.  When looking at credit monitoring, stick close to the credit bureaus. TransUnion offers Triple Monitoring for a reasonable monthly fee, cancel anytime.  Obtain a new phone number,  Google Voice is a quick, free voice mail service.  Obtain a new postal box for important mail pertaining to your divorce and your existing mail.  Have your current mail forwarded to that new POB.
  7. 7. Social Media Accounts  Decide who’s keeping what accounts.  Facebook  Twitter  MySpace  For the accounts you keep, change the passwords!  Limit what you say about your pending divorce on Social Media Accounts, it can be used against you in court.  It’s a good idea to block your soon to be ex-spouse from your new accounts.  Restricting your online presence is a good way to start new.
  8. 8. Beneficiaries This may change, but until the courts decide, limit or restrict spouse access to the following:  Health Insurance  Credit Card Insurance  Life Insurance  Auto Insurance  Employers or Pension Insurance  401k Accounts  Healthcare Medical Cards  Change card number
  9. 9. Financial Attacks  Divorces can be the best resolution for both parties involved, but if they turn into a spiteful bitter nightmare your credit and identity could be put at risk.  If you find yourself being Financially Attacked with accounts being opened or reopened, document everything.  Dates, Times and Accounts used  Be prepared to provide copies of your Divorce Decree to prove your name and income should not have been used without your consent.  File a detailed police report:  Local Police  Federal Trade Commission Identity Theft Report
  10. 10. Advocate TIP  People who may have experienced a divorce or separation are always willing to share what happened to them, what went wrong and what didn’t. That’s them, protect you!  There is no substitute for professional advice, a good divorce attorney can save you time, money and knows state laws pertaining to divorce.  Even if you both decide to settle your divorce amicably, things change and emotions take over rational thinking. Don’t be caught off guard !
  11. 11. Digital Assets  The term “digital assets” means, but is not limited to, files, emails, documents, images, audio, video, and similar digital files which currently exists or may exist as technology develops or such comparable items as technology develops, stored on digital devices, including, desktops, laptops, tablets, peripherals, storage devices, mobile telephones, smartphones, and any similar digital device which currently exists or may exist as technology develops or such comparable items as technology develops, regardless of the ownership of the physical device upon which the digital asset is stored.  If you have it and it belongs to you, secure it.  It may be part of the divorce, but until it’s ownership is determined by the courts, protect it from sabotage or theft.
  12. 12. Personal Records KEEP IN SAFE PLACE MAKE COPIES AND SHARE COPIES  Diplomas  Birth Certificates  Passports  Pension papers  Flash Card / Chip (storage devices) of important data from your computer  Other_________________  Other_________________  Bank statements  Real estate records  Tiles  Deeds  Tax Returns  W2 statements  Other___________________  Other___________________
  13. 13. COMPANY NAMES MENTIONED HEREIN ARETHE PROPERTY OF, AND MAY BETRADEMARKS OF,THEIR RESPECTIVE OWNERS. THIS DOCUMENT IS IN NOWAY A GUIDETO DECEIVINGTHE COURTS OR ONES LEGAL OBLIGATIONS DURING A DIVORCE. IT IS HIGHLY RECOMMENDED YOU RETAIN LEGAL ADVICE AND FOLLOW THE LAWS INYOUR STATE PERTAININGTO DIVORCE. Compiled and designed by Mark Fullbright , Certified IdentityTheft Risk Management Specialist™ (CITRMS) as a free service for consumers who may be planning or going through a divorce and to reduce their exposure to identity theft. Stay Safe, Stay Secure