ID theft cost Americans a whopping $52.6 billion last year. But, there are
several things you can do to protect yourself against this crime.
Don't's:
Don't carry multiple credit cards; limit yourself to one or two
Don't carry your SSN with you or write it down on public applications
Don't have your driver's license or SSN printed on your checks
Don't toss out those expired credit cards, pre-approved credit applications,
bill statements, or anything else with your personal information-completely
destroy it by shredding or cutting
Do's:
Install a lock on your mailbox!
Photocopy everything in your wallet or purse, or at least make a list of
your ATM/credit cards, driver's license, and critical medical information
Password protect your palm pilot-and make sure you backup this information
regularly on your computer's hard drive
Close any bank accounts that you no longer use
Remove your name from any pre-approved credit lists
Remove your name from the telephone book (and don't forget the reverse
directories)
Remove your name ("opt out") from any pre-approved offers of credit for the
three consumer credit reporting offices by calling 888-5OPTOUT (888-567-8688).
You can opt out for two years, or permanently
Check your credit rating at all three credit offices at least once a
year
About Your Credit Rating
Your credit is your responsibility, so take care of it. There are three
consumer credit reporting offices in the US, and you should check your rating at
each of these offices at least once a year. A recent change to the Federal Fair
Credit Reporting Act (FCRA) now allows you to request one free copy of your
credit report each year (go to www.annualcreditreport). If you're unemployed, on
welfare, or a victim of ID theft, you can always receive these reports at no
cost to you.