Top Ten Ways To Protect Your Identity.

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After I watched the MSNBC Dateline show titled “To Catch An ID Thief” I went to the website to see what they had to say about ways to stop identity thieves. They had a few pointers I already knew about and a few I didn’t. Though this is not directly related to most things I talk about, I think having the discussion is important. These are their top ten ways to do so:

1. Burn or shred, with a cross shredder, any mail or financial papers with your personal information on it. Never recycle them.

2. Call 1-888-5OPTOUT and ask to stop credit card companies from sending pre-approved credit card applications to your house. They are ticking identity theft time bombs.

3. Ask your credit card firm to cease delivery of “convenience checks.” They, too, are ticking time bombs.

4. You’re entitled to one free credit report each year. Get it as soon as possible and review it carefully.

5. Order a credit report a month or more before you make a big purchase or apply for credit, to be sure there are no surprises in your history.

6. Hassle companies that ask for personal information, such as your phone number at a checkout line. The harder we make it on companies, the less they will be inclined to continue the practice.

7. It’s impossible to tell what’s real and what’s fake online. Just delete any e-mail that asks for personal information.

8. Just hang up on telemarketers, particularly ones who seem to be fishing for personal information, like your birthday.

9. Limit the number of credit cards you hold, and religiously inspect your financial statements each month. Consumer rights quickly fade over time; the sooner you discover an identity theft incident, the better.

10. Most of the time, you can’t prevent an ID theft incident from occuring, because two-thirds of the time, some company that leaked the data is to blame. So be prepared, and be organized. Save paper bank records for a year, at least. You’ll need them to prove your account balance in the event of a ID theft incident.

Though I have not yet been a victim (knock on wood) it does scare me that eventually someone could get control of my name and information. If anyone has any stories to share about their experiences with this, I would love to hear about them.

technorati: stop, identity, theft

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