*Identity theft occurs when someone uses your name, address, social security number (SSN). bank or credit card account number, or other identifying information without your knowledge to commit fraud or other crimes.

• FTC's #1 Fraud Complaint is Identity Theft!
• 2003- 215,093 complaints
• 2004- 246,570 complaints

• 39% of complaints FTC received in 2004 related to ID theft

• How can you tell if you are a victim?
• unexplained charges or withdrawals in your financial accounts
• other indications of identity theft include:
• failing to receive bills or other mail, which may signal an address change by the thief
• receiving credit cards for which you did not apply
• being denied credit for no apparent reason
• receiving calls or letters from debt collectors or businesses about merchandise or servicies you did not buy
• although any of these indications could be a result of a simple error, you should not asume that there's been a mistake and do nothing. always follow up with the business or institution to find out!

• How can someone steal my identity?
• mail theft
• phishing-pharming
• phone scams
• unscrupulous employees
• dumpster diving/ recycling
• stolen or lost wallets
• Internet fraud
• etc......

• IF You Are A Victim.........
• immediately place a fraud alert on your credit reports and review your credit reports
• close any accounts that have been tampered with or opened fraudulently
• File a police report
• File a complaint with the FTC

• Protect your family be endorsing you home insurance!
• Covers expenses related to correct your name and restore your credit reputation
• up to $15,000/occurrence
• $30,000/Policy period
• Cost of coverage.....@30.00 or less
• Free Identity Fraud Resolution