Identity
Theft is America's fastest growing crime.
Last year alone, more than 9.9 million Americans
were victims of identity theft, a crime that cost them roughly $5
billion.
The number of ID theft victims and their losses
are probably much higher because it is hard to pin down. Law enforcement
agencies classify ID theft differently it can involve credit card
fraud, Internet fraud, or mail theft, along with other crimes.
U.S.
Postal Inspectors are charged with protecting the nation’s mail
system and are the leaders in the fight against identity theft.
Read
these tips to protect yourself from Identity Theft:
Review your consumer credit reports
annually.
Shred and destroy unwanted documents
that contain personal information.
Deposit mail in U.S. Postal Service
collection boxes.
Don’t leave mail in your mailbox overnight
or on weekends.
Report lost or stolen credit cards
immediately
If you applied for a credit card and
didn't receive it when expected, call the financial institution.
Sign new credit cards immediately--before
someone else does.
Memorize your Social Security number
and passwords. Don't use your date of birth as your password and
don't record passwords on papers you carry with you.
Never leave transaction receipts at
ATM machines, on counters at financial institutions, or at gasoline
pumps.
Don't carry your Social Security card
or birth certificate--leave them in a secure location.
Don't disclose credit card or other
financial account numbers on a Web site unless the site
offers a secure
transaction.
Closely monitor the expiration dates
on your credit cards and contact the issuer if you don't receive
a replacement prior to the expiration date.
Beware of mail or telephone solicitations
that offer prizes or awards--especially if the offeror asks you
for personal information or financial account numbers.
Match your credit card receipts against
your monthly bills and check your monthly financial statements for
accuracy.
Watch for your monthly financial statements
and bills. If you don't get them when expected, contact the sender.
Every year, order and thoroughly review
copies of your credit report from each of the three major credit
reporting agencies.
Never
give personal identifying information over the telephone or the
Internet unless you initiated the contact.
If
you think you're a victim of Identity Theft, here's what you should
do:
If the crime involved the U.S. Mail,
contact your nearest U.S.
Postal Inspection Service office
and report it.
Call the fraud units of the
three
major credit bureaus and request
a "fraud alert" be placed on your credit file. Check your
monthly financial statements for accuracy.
Order copies of your credit report
from the credit
bureaus to check whether any fraudulent accounts
were opened without your knowledge or consent.
Contact your banks and creditors,
by phone and in writing, and report the crime. You may be advised
to close some or all of your accounts. At the least, change your
PIN codes and passwords immediately.
Record the names and phone numbers
of people with whom you discussed your case and retain all original
reports and supporting documents. Keeping accurate and complete
records are a big step toward helping you resolve your problem.
Contact your financial institutions
and request they flag your accounts. Instruct them to contact you
immediately if there is unusual activity on your accounts.
File your complaint online with the
Federal
Trade Commission, or call their Identity Theft Hotline
at 1-877-IDTHEFT. The FTC has counselors to assist identity theft
victims with resolving financial and other problems that can result
from this crime.
This
article was published by the U.S.
Postal Inspection Service.
The mission of the U.S.
Postal Inspection Service is to protect the U.S.
Postal Service, its employees
and its customers from criminal attack, and protect the nation's
mail system from criminal misuse.
The
next time you visit your parents, other elderly family members,
or older friends, Postal Inspectors advise you to watch for
these areas of concern:
- Look
for stacks of unsolicited mail proclaiming the recipient
to be "a guaranteed winner" or offering lottery
tickets for sale.
- Watch
for an unusual number of packages on hand containing inexpensive
costume jewelry, plastic cameras, or wristwatches.
- Note
if they are receiving unsolicited telephone calls from fast-talking
operators offering "fantastic" opportunities to
claim prizes or make sure-fire investments. If so, you can
arrange for an unlisted phone number.
- Volunteer
to help balance their checkbooks, and ask about any questionable
checks or sudden, large withdrawals. Offer to go over credit
card statements to ensure that only authorized purchases
are listed.
- Offer
to pick up their mail to see if they are receiving unsolicited
sweepstakes or lottery offers. If so, they may be on a variety
of "sucker lists" being circulated by con artists.
Have a trusted family friend help check the mail daily.
- Talk
to them about evaluating offers they receive in
the mail or on the phone from someone they don't know. Suggest
that they talk over such offers with someone before accepting
them.
- If
you suspect fraud, contact the Postal
Inspection Service .
|
|