Identity Theft Prevention & Detection

While it is impossible to eliminate your risk, there are many ways to reduce the risk of becoming a victim of identity theft, or to minimize the impact if your information is compromised. 

• DO NOT carry your social security card with you.  It should be locked in a secure place and used only when necessary, such as when you obtain a new job or apply for benefits.  If someone requests your SSN, ask why it is needed and how it will be used and protected.
• DO NOT send identifying information via e-mail at all or to any site you do not know and trust.
• DO NOT give out personal information on the phone, through the mail, or over the internet unless you know with whom you are dealing.
• DO NOT respond to unsolicited mail, spam, or pop-ups. If you receive an e-mail that appears to be from your bank, contact your bank directly – do not respond to or click on a link in an e-mail.
• DO shred information that is no longer needed with a cross-shredder.  (Using a shredder that gives straight strips is too easy for thieves to reassemble to get your information.)
• DO keep all personal information secure
• DO NOT leave checks in an unlocked mailbox.  Drop mail off directly at the post office.  If possible, obtain a locked mailbox or PO box so incoming mail cannot be stolen.
• DO NOT use obvious passwords like date of birth, mother's maiden name, or the last four digits of your social security number.
• DO use a combination of numbers, upper- and lower-case letters, and special characters to create passwords.
• DO routinely monitor your accounts and credit reports for unauthorized activity.
• DO avoid telemarketing, contest/sweepstakes entries, chances to win, etc.  Also, if you did not enter a sweepstakes contest, you did not win!  Do not respond to e-mails telling you that you have won a contest.
• DO use computer safeguards, such as pop-up blockers, anti-spyware, and anti-virus programs, etc.
• DO monitor your accounts online when possible.  You can catch unauthorized use much more quickly.
• DO use caution when making Internet or E-Bay purchases.
• DO carry only cards that are essential.
• DO NOT use a ballpoint pen to sign checks; the ink can be erased.  Instead use a gel pen.
• DO ensure that checks have security features.
• DO opt out of credit card offers and put your phone numbers on the Do Not Call list
• DO stop your mail or put a hold on your mail if you will be out of the area.
• DO NOT put the flag up if you have outgoing mail.
• DO obtain your free credit report annually.
• DO look for security features online: a padlock and https://
• DO follow established practices for online auctions. 
• DO designate one credit card for online purchases.  This should NOT be a debit card that is directly connected to your bank account.