Nearly
10 million people in the US are victims of identity theft each year. In North
Carolina , about 300,000 people are victimized annually. North
Carolina ranks 24th in the nation in terms
of identitytheft, and five North
Carolina cities rank in the top 50 metropolitan areas
for identity theft. In addition, the
identities of more than three million North Carolinians
have been put at great risk of identity theft by the more than 800 security
breaches reported since December 2005.
Identity
theft occurs when someone assumes your personal information like your bank
account or SSN to pretend to be you, opening a new account or credit card in
your name.
The
Identity Theft and Assumption Deterrence Act, enacted by Congress in 1998,
makes identity theft a federal crime.
Some tips for avoiding
identity theft:
- At home keep personal information in a safe
place. Shred any papers with
confidential information before you throw them out -- even the junk
mail. To opt out of receiving
offers of credit in the mail, call 1-888-5-OPTOUT.
- Never throw away ATM receipts, credit statements,
credit cards, or bank statements in a usable form.
- When ordering new checks, pick them up from the
bank instead of having them mailed to your home mailbox.
- Unless you initiate the contact with a business (whether
over the phone, through the mail or on Internet), don’t give out any
confidential information such as credit card number, SSN, PIN, DOB, or even
your mother’s maiden name.
- Reconcile your bank account monthly, and notify
your bank of discrepancies and unexplained activity immediately.
- Carry as few cards with identity or personal
information as possible.
- Review of copy of your credit report at least once a year.
The
Fair Credit Reporting Act requires each of the nationwide reporting companies –
Equifax, Experian and TransUnion – to provide you with a free copy of your
credit report, at your request, once every 12 months. To order your free annual report from one or
all the national consumer reporting companies, visit www.annualcreditreport.com , call
toll-free 1-877-322-8228 or complete the Annual Credit Report Request Form and
mail it to the Annual Credit Report Request Service. Do not contact the three reporting companies
individually.
The
FTC recommends consumers who order their free annual credit reports online to
correctly spell the website or link to it from the FTC website to avoid being misdirected
to other websites that offer supposedly free reports but only with the purchase
of other products.
Credit
bureaus can usually comply with your online request for a security freeze
within 24 hours ofreceiving it. More
information about this is located on the North Carolina DOJ website. (www.ncdoj.gov
)
Your employer and financial institutions need your SSN
for wage and tax reporting purposes.
Other businesses may ask for your SSN to do a credit check if you are
applying for a loan, renting an apartment, or signing up for utilities. Sometimes, however, they simply want your SSN
for general record keeping. If someone
asks for your SSN, ask:
- Why do you need my SSN?
- How will my SSN be used?
- How do you protect my SSN from being stolen?
- What will happen if I don’t give you my SSN?
If
you don’t provide your SSN, some businesses may not provide you with the
service or benefit you want. Getting
satisfactory answers to these questions will help you decide whether you want
to share your SSN with the business. The
decision to share is yours.
Remember, when it comes to identity theft, you may not be
able to control whether you become a victim – but you can make a New Year’s
Resolution to take certain steps to minimize your risk.
Posted by Nadine Bray, Women's Issues Chair
Under Blog
Archive click on August and view the newly added list
of books in our DAR Library posted by librarian, Susan
Hadenchuk.
Get back to Brunswick Town Chapter website: http://www.ncdar.org/brunswicktownchapter.htm
Get back to Brunswick Town Chapter website: http://www.ncdar.org/brunswicktownchapter.htm
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