Identity Theft Information
Report It Immediately - If you suspect you are the victim of identity theft call the police department to report it. Also call banks to report lost or stolen checks and ATM cards, call credit card companies to notify them of stolen cards or potential fraud.
Checks - Do not leave new check orders in your mailbox for extended periods of time, and verify new deliveries are complete to assure that none have been stolen. Store checks in a safe place: all cancelled or new checks should be stored in a safe place.
Secure Important Documents - Do not carry your social security card, passport, or birth certificate with you. Keep them in a secure area, such as a fire safe box or safe deposit box.
Banks and Credit Card Companies - Do not give account information anyone calling to 'verify a statement' or 'award a prize'. Banks and Credit Card Companies have your account information and do not need to ask you for it. Beware of fraudulent web sites and e-mails requesting personal information.
Guard Your Information - ATM personal identification numbers (PIN) and receipts are access tools for thieves. Do not write your PIN down. Keep it protected.
Mail Solicitations - Do not just throw pre-approved credit offers away. Shred them to prevent thieves from using them to assume your identify. Shred any other financial information before disposing.
Mailbox Protection - Do not leave your mail in the mailbox for pickup. Drop it in a secure, official drop box of the U.S. Postal Service. Thieves can use your mail to steal your identity.
Bills in the Mail - Be sure your bills are arriving on time. If not, contact the company to find out why the bill is delayed. Someone may have put a false change-of-address notice on you to divert your personal information to another address for his or her access.
Review Bills Carefully - If bills or statements include suspicious items, investigate them immediately to head off any possible fraud before it occurs.
Review Credit Reports - Periodically contact one of the major credit reporting companies to review your file and verify the information is correct. As part of the federal Fair Credit Reporting Act, you are entitled to an annual free credit report from each of the three nationwide consumer reporting agencies through www.annualcreditreport.com or by calling 1-877-322-8228. You can obtain a copy of your credit report at any time for a small fee through the three major credit bureaus:
Reduce Direct Marketing from Other Companies
- Direct Marketing Association's Consumer Assistance Program www.dmaconsumers.org/consumerassistance.html
- Advertising Received Via Direct Mail - Mail Preference Service, Attn: Dept: 8971293
Direct Marketing Association, P.O. Box 282, Carmel NY 10512
- Advertising Received via Telephone - Telephone Preference Service, Attn: Dept 8971392. Direct Marketing Association, P.O. Box 282, Carmel NY 10512
- Advertising Received via E-mail (by Direct Marketing Association) - www.dmaconsumers.org/emps.html
- Missouri's No Call List - 1-866-662-2551 or www.ago.mo.gov/nocalllaw/nocalllaw.htm
- National Do Not Call Registry - www.donotcall.gov/default.aspx
Visit www.fdic.gov/consumers/consumer/guard/index.html to learn other ways to guard against Internet thieves and electronic scams. This multimedia presentation, produced by the Federal Deposit Insurance Corporation (FDIC), provides information on steps to take to secure your computer and protect yourself from identity theft, as well as actions to take if you become a victim of identity theft.
Victims of Identity Crime
- Immediately contact the police, your bank, and credit card providers by calling the phone number listed on your statements
- Contact the Federal Trade Commission (FTC) by one of the following methods:
- By Internet: www.consumer.gov/idtheft/
- By Phone: Toll-free 1-877-ID-THEFT (438-4338); TDD: 202-326-2502
- By Mail : Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Ave, NW, Washington, DC 20580
- Contact the three major credit reporting agencies to put yourself on 'Fraud Alert' and request a copy of your credit report:
- Cancel all accounts that have fraudulent activity or are at risk
- If your mail has been stolen, contact the U.S. Postal Service
- Keep detailed records of your efforts to resolve any theft of your identity, including:
- Log the date, time, and amount of any unauthorized activity on your accounts
- Log the date, time, duration, and cost of any phone calls
- Log the date and cost of any mailings
Additional Resources on ID Theft
- Identity Theft Resource Center - www.idtheftcenter.org/
- National Consumer League's Fraud Information Center - www.fraud.org/
- Social Security Administration - 1-800-772-1213 - www.ssa.gov/ssnumber/
- US Department of Justice - Identity Theft & Fraud - www.justice.gov/criminal/fraud/websites/idtheft.html
- MU's IATS - iatservices.missouri.edu/security/make-it-safe/
- Identity Theft Presentation - makeitsafe.missouri.edu/files/idtheft-presentation.pdf