Protect Yourself

Protect your Identity

You should take action to protect your personal and financial information. Learn how to recognize common scams, spot fraud, and keep online transactions secure.

Fraud prevention security tips:

    • Be alert. Only open emails, attachments, and links from people you know.
    • Don't believe what you see. It's easy to steal the colors, logos, and header of an established organization and make emails appear legitimate.
    • Avoid sharing. Don't reveal personal or financial information in an email, text, or over the phone.
    • Pay attention to a website's URL. Hover over any links to see where they lead.
    • If you are unsure whether an email request is legitimate, try to verify it by contacting the company directly don't use any links or contact information provided in the suspect email.
    • Keep a clean machine. Make sure you keep your anti-virus software up to date.

Federal Trade Commission’s("FTC") Computer Security website:

• Tips for consumers : http://www.consumer.ftc.gov/topics/computer-security
• Tips for businesses : http://www.ftc.gov/tips-advice/business-center/privacy-and-security

More information can be found on the Federal Bureau of Investigation ("FBI") website at : https://www.fbi.gov/scams-and-safety
 
Tips for Preventing Identity Theft


Identity thieves steal your personal information to commit fraud. They can damage your credit status and cost you time and money restoring your good name. To reduce your risk of becoming a victim, follow the tips below:

• Don't carry your Social Security card in your wallet; never write your Social Security Number("SSN") on a slip of paper kept in your wallet or on your checks. Only give out your SSN when absolutely necessary.
• Protect your Personal Identification Number("PIN"). Never write a PIN on a credit/debit card or on a slip of paper kept in your wallet.
• Watch out for "shoulder surfers". Use your free hand to shield the keypad when using pay phones, and Automated Teller Machine("ATMs"), and Point of Sale("POS")terminals.
• Collect mail promptly. Ask the post office to put your mail on hold when you are away from home for more than a day or two.
• Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.
• Keep your receipts. Ask for copies and incorrect charge slips as well. Promptly compare receipts with account statements. Watch for unauthorized transactions.
• Tear up or shred unwanted receipts, credit offers, account statements, expired cards, etc., to prevent dumpster divers from getting your personal information.
• Store personal information in a safe place at home and at work. Don't leave it lying around.
• Don't respond to unsolicited requests for personal information in the mail, over the phone, or online.
• Install firewalls and virus-detection software on your home computer.
• Check your credit report once a year. Check it more frequently if you suspect someone has gotten access to your SSN, personal, or account information.

If you believe that someone is using your identity illegally:

Report the crime to the FTC. The FTC is responsible for receiving and processing complaints for victims of identity theft. Certain cases will be referred to law enforcement agencies, regulatory agencies, or private entities that can help. Call toll-free 877-IDTHEFT (438-4338). The government central Website for information on ID Theft is listed below.

Get free copies of your credit reports. When you file a fraud alert, the credit bureaus will contact you with information about how to get free copies of your credit reports. This will help you monitor your account(s) for problems. The special toll-free numbers for fraud departments are: Equifax at 800-525-6285, Experian at 888-397-3742, and Trans Union at 800-680-7289.

When a financial account is involved, contact your bank, credit card company, or other financial institution immediately. If your credit card, debit card, ATM card, or checks have been stolen, inform your bank promptly and ask what you need to do to protect your money. If necessary close old accounts and open new ones; select new passwords and new PINs.

Report the crime to the local police or the police where the identity theft occurred. Fill out a police report and get a copy of the report to help clear up questions and issues when dealing with your creditors and other financial institutions.

U.S.A. Government Identify Theft website:
http://www.usa.gov/topics/money/identity-theft/prevention.shtml#Tips_for_Preventing_Identity_Theft

Federal Trade Commission’s Identity Theft website:
http://www.consumer.ftc.gov/features/feature-0014-identity-theft


State of California Identify Theft website:
Top 10 Tips for Identity Theft Protection:
http://oag.ca.gov/idtheft/facts/top-ten

 

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