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1. Identity Fraud Precautions

2. Consequences of Identity Fraud

3. In most parts of the world, identity fraud is the fastest
growing offence. Yet, in the USA, a longitudinal 2005
study by Javelin Strategy & Research showed that the
crime had decreased since a 2003 study from the Federal
Trade Commission was released in 2003. The most
current US Javelin data also showed that 9.3 million
persons, being 4.25% of all adults, are victims of identity
fraud on a yearly basis. In the United Kingdom in 2005
the consumer group Which issued a report stating that
one in four people had been the victim of identity fraud,
or knew someone who had been a victim.

4. Precautions against Identity Fraud

5. Rigorous research has shown that the following methods
will be most effective at preventing identity theft or
fraud:

6. Freeze your credit, if available in your state. With a
credit freeze, no one can open any form of credit in your
name.

7. Request your own credit report each year and check the
reports for inaccuracies and new lines of credit issued
that you did not request.

8. Minimize the use of mail for sending or receiving
financial documents, checks, and have your name
removed from junk mail lists (8% of identity fraud
results from stolen mail).

9. Check your bank accounts each week online or at an
ATM. 70% of identity fraud is detected by the victim, and
victims who do so through electronic methods suffer
losses of less than 1/8th that of those who rely on paper
statements for monitoring account activity.

10. Use reliable ATM's at reputable sites only. Watch your
surroundings for anything suspicious. If the interior of a
bank is closed but an indoor ATM is still accessible with a
card, refuse helping any stranger to enter.

11. Watch your surrounding when entering sensitive codes
of information at an ATM or on a telephone keypad.

12. Do not use wireless phones or cellular phones to talk
about sensitive information.

13. Shred credit-card receipts, used (processed)
cheques/checks, junk mail and other such documents, as
they may contain private information.

14. Never give out personal information in response to
telemarketers and delete all e-mails that claim to be
from your bank (or other financial provider) and ask you
to "log in" using a hyperlink embedded in the e-mail
message. This type of scam is also named phishing.

15. When shopping online, make sure the company is
reputable and displays an approved security symbol.

16. Watch your surroundings when using a credit card at any
checkout counters or any similar places as some identity
thieves use cell phones with cameras to steal others'
credit card numbers and expiration dates.

17. Limit the amount of personal information you publish on
the web.

18. Do not allow anyone to copy your identification
documents.

19. If someone calls you claiming to be from a financial
institution you do business with asking for personal
information - do not give it to them.

20. As a general rule, do not do business with people that
come to you. If you want something, you find the
business or company.

21. Don't order checks preprinted with your driver's license
or social security number.

22. Don't carry your social security card unless absolutely
needed.

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