We Stop Abusive and Harassing Debt Collectors
                                       Including for those consumers who are...
We Stop Abusive and Harassing Debt Collectors
                        Including for those consumers who are victims of ide...
We Stop Abusive and Harassing Debt Collectors
                        Including for those consumers who are victims of ide...
We Stop Abusive and Harassing Debt Collectors
                                Including for those consumers who are victim...
We Stop Abusive and Harassing Debt Collectors
                            Including for those consumers who are victims of...
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Identity Theft Prevention - 10 Tips

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10 tips on preventing identity theft put out by MinCal Consumer Law Group. Remember, we offer free consultations and if you are a victim of identity theft we can help resolve your case, many times at no cost to you. Call us today at 888-678-5550 or visit our website at www.mincal.com for more information.

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Transcript of "Identity Theft Prevention - 10 Tips"

  1. 1. We Stop Abusive and Harassing Debt Collectors Including for those consumers who are victims of identity theft DISCLAIMER This document DOES NOT constitute legal advice and does not create an attorney/client relationship between you and MinCal Consumer Law Group. It is intended to provide you with general information to improve your consumer literacy and give a broad understanding of typical situations. You should note that consumer protection laws may differ in each state. Laws frequently change through legislative amendments, developing case law, and federal/state regulations. Your legal rights and remedies will depend on your particular circumstances, documents, and evidence. If you have any questions about your rights visit http://www.mincal.com or call us toll free at 888-678-5550 for a free consultation. Identity Theft is growing crime affecting millions of consumers and businesses each year but you can reduce your chances of being affected. If you are a victim, MinCal’s lawyers can help. Call us for a free consultation. Here are some tips for ID Theft Prevention. 10 Tips for Identity Theft Prevention 1. Protect your Social Security number Don’t carry your Social Security card in your wallet. Don’t freely give your social security number to just anyone who asks, especially telephone solicitors, emails, or other phishing schemes. 2. Shred, Shred, Shred Before you throw away a document with personal information like a credit card statement, bank statement, receipt, convenience checks, etc., make sure you SHRED that document. Thieves will look for your personal information in discarded trash and use this information to steal your identity and/or fraudulently open up accounts in your name. © 2010 MinCal Consumer Law Group Minnesota & California 888-678-5550 www.mincal.com
  2. 2. We Stop Abusive and Harassing Debt Collectors Including for those consumers who are victims of identity theft 3. Don’t take the bait… Fight “phishing” Scam artists “phish” for victims by pretending to be banks, stores, government agencies, or other types of organizations. They will do this over the phone, through e-mails, regular mail, and sometimes in person. DON’T GIVE OUT YOUR PERSONAL INFORMATION, unless you made the contact and you can verify the organization. DO NOT respond to requests to verify your account number or password. Legitimate companies will not request this kind of information in this way. 4. Stop pre-approved credit offers Stop most pre-approved credit offers. They make a tempting target for identity thieves who steal your mail. Have your name removed from credit bureau marketing lists. Call toll-free 1-888- 5OPTOUT (567-8688). 5. Check your bills and bank statements vigilantly Open your credit card bills and bank statements right away. Check your statements carefully for any unauthorized charges or withdrawals and report them immediately. Call if bills don’t arrive on time. It may mean that someone has changed contact information to hide fraudulent charges. © 2010 MinCal Consumer Law Group Minnesota & California 888-678-5550 www.mincal.com
  3. 3. We Stop Abusive and Harassing Debt Collectors Including for those consumers who are victims of identity theft 6. Ask questions Ask questions whenever you are asked for personal information that seems inappropriate for the transaction. Ask how the information will be used and if it will be shared. Ask how it will be protected. Explain that you’re concerned about identity theft. If you’re not satisfied with the answers, consider going somewhere else. 7. Shield your computer from viruses and spyware Protect your personal information on your home computer. Use strong passwords with at least eight characters, including a combination of letters, numbers and symbols, that is easy for you to remember, but difficult for others to guess. Use firewall, virus and spyware protection software that is updated regularly. Download free software only from sites you know and trust. Don’t install software without knowing what it is. 8. Pay Bills at the Post Office Don’t leave paid bills in your mailbox to be sent out. Any thief who raids your mailbox will be able to gather some critical personal information about you. Often times, they can also copy your check information and write additional checks off your account numbers. © 2010 MinCal Consumer Law Group Minnesota & California 888-678-5550 www.mincal.com
  4. 4. We Stop Abusive and Harassing Debt Collectors Including for those consumers who are victims of identity theft 9. What’s in your wallet? Make photocopies of the personal material in your wallet: Driver’s license, credit cards, insurance cards, etc. (front and back). Now, if your wallet is ever lost or stolen, you won’t be left wondering what was actually taken and you’ll be able to quickly notify the appropriate agencies about what has taken place. 10. Check your credit reports, for free One of the best ways to protect yourself from identity theft is to monitor your credit history. You can get one free credit report every year from each of the three national credit bureaus: Equifax, Experian and TransUnion. Request all three reports at once, or be your own no-cost credit-monitoring service. Just spread out your requests, ordering from a different bureau every four months. Order your free annual credit reports by online at www.annualcreditreport.com, toll-free, at 1-877-322-8228. Or you can mail in an order form. If you haven’t experienced problems resulting from the theft of your identity already (Credit Reports, Debt Collectors, Creditors, Fraudulent Withdrawals, etc.), you may experience problems in the future. While dealing with these problems can be time-consuming and frustrating, MinCal’s lawyers can help resolve your case... And in most cases our firm doesn’t charge anything to represent you. We are knowledgeable, friendly, professional, and will zealously assert your legal rights. In fact, our firm’s entire focus is helping consumers solve their problems. © 2010 MinCal Consumer Law Group Minnesota & California 888-678-5550 www.mincal.com
  5. 5. We Stop Abusive and Harassing Debt Collectors Including for those consumers who are victims of identity theft We will evaluate your situation at no cost to you. Furthermore, if we represent you, we will not charge anything to resolve your case. Instead, we earn our fees through consumer protection statutes that allow us to recover from those who violate your rights. Call us at 1-888- 678-5550 for a free consultation. Remember, if we take on your case, you don't have to pay anything. At MinCal, we have a passion for helping consumers solve their problems. We recommend visiting our main website at http://www.mincal.com and calling us at 888-678-5550 for a free consultation. We look forward to helping you. MinCal Consumer Law Group is a national law firm with offices in California and Minnesota. MinCal is focused on protecting consumers’ rights against abusive and harassing debt collectors under the Fair Debt Collection Practices Act (FDCPA) and respective state consumer protection laws. We help consumers throughout the entire states of California and Minnesota. © 2010 MinCal Consumer Law Group Minnesota & California 888-678-5550 www.mincal.com

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