Identity Theft

Identity theft is increasing at an alarming rate. The effects can range from a damaged credit rating to personal bankruptcy.

Protective measures range in simplicity and cost. Here are some easy and effective steps to take:

• Request your credit report for free
• Freeze your credit files
• Do not carry your Social Security number with you
• Do not give out your Social Security number by phone or online
• Do not provide personal or credit information to an organization that has initiated contact with you
• Shred all documents before disposal
• Use effective passwords
• Use anti-virus software and a hardware firewall
• Encrypt and password protect sensitive documents

The Federal Trade Commission offers advice on what to do if you are victimized and more extensive protection steps.

While people are often focused on online fraud, the most damage is caused by identify theft originating from discarded paper statements. SHRED RELIGIOUSLY.

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