"Some ways of avoiding become a victim and preventing identity theft could include: avoid using plastic, stop filling out any more applications, and cancel all of your credit cards."
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But the fact is that most of your exposure to identity theft is beyond your control, and preventing identity theft becomes difficult ‘cause there is still enough information about you floating around out there for identity thieves to put their hands on.
Here are some tips on reducing your exposure and preventing identity theft.
1 - Buy a Paper Shredder.
Papers and documents that include personal financial information or your social security number must be shredded before is sent to the trash.
2 - Ask About Business Shredding Policies.
When required to give personal financial information, ask if the business has a shredding policy in place. Financial institutions, tax preparers, and companies with medical information should all be able to shred copies of your documents or have you come and pick them up, so you can do it yourself.
3 - Don’t Give Out Your Social Secure Number.
Only employers, financial institutions, certain government agencies (such as the DMV) and certain insurers that use your SSN to run credit checks to determine your premiums should be allowed to have this nine-digit number.
4 - Always Keep an Eye on Your Debit Card.
Just like a credit card, your ATM card can be used without punching in a personal identification number. The banks won't hold you responsible for fraud using VISA or MasterCard logo cards but a thief can quickly empty your bank account and could be days until the bank can restore the stolen cash. Use a credit card when paying a restaurant bill or anywhere you won’t be able to monitor the actual transaction.
5 - Be Wary of Phone Solicitors and E-mails.
Don’t give out sensitive information by phone or email to requests purporting to be from financial institutions, unless you initiated contact or really thrust the institution. Criminals are using a technique called “phishing,” which uses an email claiming to be from your Bank and that redirects you to a look-alike website where you are asked to input your account numbers. When contacted this way, do not reply to the email and only call the Bank’s 1-800 number from your statement for comunication.
DISCLAIMER: The law will vary depending on your state, jurisdiction and the specifics of your case. The information provided by Consolidate-Credit-Card.Net is intended for educational purposes only. All the content on this website should NOT be considered professional advice or a substitute for professional advice. For such services, we recommend getting a free initial consultation by a licensed debt counselor in your state.