Identity Theft And What We Can Do To Prevent It

Reblogger
Real Estate Agent with Remax Realty Group 316581

Wow! Identity theft is a big problem right now. Make sure that you have your eyes open and keep a close watch on your personal information.  

Original content by George Souto NMLS #65149

Identity Theft And What We Can Do To Prevent It.  Identity theft is one of those things that never goes away, and those who steal other peoples identity keep on coming out with more and more creative ways to do it.  Therefore, we need to always be on the lookout for anything which looks unusual with our credit card statements, credit report or anything else which impacts us financially, as well as know what steps to take to prevent it. 

Some of the more common ways Identity Theft happens is:

  • Dumpster Diving - Thieves rummage through dumpsters looking for personal information.
  • Skimming - Thieves can steal our credit card numbers with special electronic devices
  • Phishing - Thieves pretend to be company or government agency to see if they can get us to give them our personal information on the phone or by e-mail.
  • Hacking - Thieves hack into our computer, or e-mail and steel our personal information and/or passwords.
  • Just Plain Stealing - The old fashion way by stealing our wallet or mail.

So What Can We So To Prevent Indenting Theft:

  • Shred all our documents instead of throwing them in the trash.
  • Don't carry our social security card on us.
  • Don't give our personal information over the phone, mail, or Internet unless we are absolutely sure of who we are giving it to.
  • Never click on a link or open an e-mail unless we are sure who they are from, or what the link links to.
  • Don't use obvious passwords.
  • Keep all our personal information in a safe place.
  • Check our credit report regularly for suspicious activity.
  • Be on the alert for other suspicious activity such as:
    • Bills that don't show up on time.
    • Our credit all the sudden is being denied.
    • Bills for purchases that we did not make.

When we suspect our Identity might have been stolen:

  • Report it to the police immediately.
  • Call the security department for each account, and tell them that we suspect fraudulent activity on our accounts.
  • Contact the three major Credit Bureaus:
    • Equifax  - PO Box 740241, Atlanta, GA 30374  (800) 685-1111
    • Experian - PO Box 2002, Allen, TX 75013-0036  (888) 397-3742
    • TransUnion - PO Box 1000, 2 Baldwin Place, Chester, PA 19022  (800) 888-4213

and place a Fraud Alert on your Credit Report.

These are just a few of the steps we can take to Identity Theft And What We Can Do To Prevent It.  But I am sure you may have already thought of other things which can be done to prevent Identity Theft that I have not included in this blog, so please share them with us.

 

 

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 Info about the author:

George Souto NMLS# 65149 is a Loan Originator who can assist you with all your #FHA, #CHFA, and #Conventional #mortgage needs in Connecticut. George resides in Middlesex County which includes #Middletown, #Middlefield, #Durham, #Cromwell, #Portland, #Higganum, #Haddam, #East Haddam,# Chester, #Deep River, and #Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

Comments (5)

Laura Allen, Lake Tahoe - Truckee Real Estate for Sale TahoeLauraRealEstate.com
Coldwell Banker, Tahoe City, CA (530) 414-1260 - Tahoe City, CA
Tahoe Real Estate Agent Helping Buyers and Sellers

Ann Marie - Great tips and advice on how to avoid identity theft!

Oct 23, 2014 12:12 PM
Ann Marie Clements
Remax Realty Group - Gaithersburg, MD
Montgomery County & Frederick County

Yes they really are great tips! 

Oct 23, 2014 12:39 PM
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Ann Marie thank you for the re-blog, and I hope the information is useful to your readers.

Oct 23, 2014 10:27 PM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

This is very good advice. I also follow the blogs by George Souto.

Oct 27, 2014 08:55 PM
Ann Marie Clements
Remax Realty Group - Gaithersburg, MD
Montgomery County & Frederick County

Laura Allen, Lake Tahoe - Truckee Real Estate for Sale www.TahoeLauraLuxuryHomes.com - I agree! 

George Suto - Thank you!

Roy - Thank you for the tip. I followed George Souto 

Oct 27, 2014 10:01 PM