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Simple Safeguards: Presented by Retired FBI Special Agent Preventing Identity Theft Jeff Lanza 1. Protect Your Personal Information Credit Reporting Bureaus Don’t carry your social security card. Equifax: (800) 525-6285 If asked to provide it – ask the person what law P.O. Box 740241 Atlanta, GA 30374 requires you to give your number and what Experian: (888) 397-3742 happens if you refuse. P.O. Box 9530 Allen, TX 75013 2. Protect Your Documents Trans Union: (800) 680-7289 Shred your confidential trash with a cross-cut or P.O. Box 6790 Fullerton, CA 92834 To place a fraud alert on your account with all diamond cut shredder. three credit reporting agencies: Don’t leave outgoing mail with personal www.fraudalerts.equifax.com information in your mailbox for pick-up. You are allowed 3 free reports each year; to 3. Be Vigilant Against Tricks order: On Web: www.annualcreditreport.com Never provide personal information to anyone in By Phone: 1-877-322-8228 response to an unsolicited request. Never reply to unsolicited e-mails from unknown Terms to Understand: senders or their attachments. 1. Fraud Alert: Your credit file at all three credit 4. Protect Your Communications reporting agencies is flagged and a potential lender Make sure you have updated security software on should takes steps to verify that you have authorized your home computer. the request. Don’t conduct sensitive transactions on a computer Inside Scoop: Fraud alerts only work if the merchant that is not under your control. pays attention and takes steps to verify the identity If you have wireless internet, make sure it is of the applicant. They expire in 90 days unless you password protected. have been a victim of identity theft, in which case you 5. Check Your Credit Report can file an extended alert - it lasts for seven years. Order your credit reports at least three times per 2. Credit Monitoring: Your credit files are monitored by year (free). a third party - if activity occurs you are notified. Check financial accounts often and investigate any Inside Scoop: Talk to your insurance agent about unusual activity. what they offer. It is most likely the least expensive way to protect you and your family. You mightTo remove your name from lists: consider www.debix.com – it has a comprehensiveMail - www.dmachoice.org; Phone - www.donotcall.gov protection plan.To stop preapproved credit card offers: 3. Credit Freeze: A total lockdown of new accountwww.optoutprescreen.com or 1-888-5-OPTOUT (567-8688) activity in your name. This requires unfreezing beforeTo hold your mail: www.usps.com you can open an account. Inside Scoop: A proven way to protect against If a loved one dies: identity theft. However, it can be cumbersome to Send a copy of the death certificate to the three credit start and stop. Credit freeze laws vary by state. To reporting agencies. check your state go to: www.consumersunion.org Notify the Social Security Administration immediately. Dont mention a woman’s maiden name or exact birth date in the obituary. To Report Internet Fraud: www.ic3.gov Key Numbers FBI (202) 324-3000 or your local field office Speaker Information: Jeff Lanza FTC 1-877-IDTHEFT Phone: 816-853-3929 Postal Inspection Service 1-877-876-2455 Email:email@example.com IRS 1-800-829-0433 Web Site: www.thelanzagroup.com Social Security Administration 1-800-269-0271 Send me an E-mail to get my free newsletter