Identity Theft - Overview

Identity Theft is the term used to define when an unauthorized user utilizes a consumer's bank and/or credit card accounts to make unauthorized purchase, or to complete unauthorized actions posing as the consumer.  Although the demographic groups most vulnerable to identity theft are senior citizens and college students, every consumer needs to be aware of the possibility of identity theft.  A common misconception consumers have is that since they do not have a lot of money in the bank, they will not be a target.  In fact, the ubiquitous use of credit cards means that basically anyone can open up an account and spend thousands of dollars they do not have.  And if you are not careful, it could be your name on the account that someone else is spending. The folowing articles help explain ways your identity can be sotlen from you as well as ways to help yourself stay protected from identity theft in the first place.

Identity Theft - What Should Be Protected

Know what type of information should be protected

Identity Theft - How Can My Information Be Stolen?

Be aware of the ways in which personal information can be stolen and take steps to eliminate them or reduce your risk. The following areas are addressed:

  • Online vigilance
  • Phishing
  • Spyware
  • Everyday precautions
  • Mail protection
  • Scimming awareness

Identity Theft - Managing Financial Records

Carefully review all financial records on a regular basis

Identity Theft - How Credit Reports Can Help

Obtain a credit report yearly, prior to every major purchase, or if fraud is suspected

Identity Theft - Every Minute Counts

Act rapidly to combat suspected identity theft