ID Theft: Prevent & Protect
May 2011 by Attorney General Tom Miller
Take Control of Your Personal Information
Whether it’s a computer hacker who steals personal information through the Internet, or a thief who steals it the old-fashioned way, someone can use that information to commit fraud and steal your identity. Criminals can use the information to obtain goods or services, obtain bogus government documents, or even get a job, all under your name.
- Protect your Social Security number. Avoid using your Social Security number as a personal identifier whenever possible. Don’t write it on a check, and avoid carrying the number in your wallet or purse.
- Never give your credit card, bank account, or Social Security numbers over the phone unless YOU initiate the call, and check out the business. Don’t give financial or personal information on sweepstakes entries, prize offers, or warranty and rebate cards.
- Check your monthly billing statements and annual credit reports. On your credit card bill, check for unauthorized charges. Check your credit report for errors or anything unusual. You are entitled to a free annual credit report from each of the three national credit bureaus. Go to www.AnnualCreditReport.com, call toll-free at 1-877-322-8228, or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. (Beware of “look-alike” websites that charge you for your credit report. Also, your credit report does not include your “credit score,” which is available for a small fee directly from the credit reporting companies.)
- Consider placing a “freeze” on your credit reports. A c redit freeze prevents identity thieves, third parties and potential creditors from accessing information on your credit reports without your approval. There is a one-time $10 fee per credit report. A freeze will not lower your credit score.
- • “Opt out!” Tell companies not to share or sell your information. First, when you receive the annual “privacy notice” from your financial institutions, fill out the form and tell them not to share or sell your information. Second, ask the three credit reporting companies not to give your name to solicitors. (They sell lists to credit card marketers, for example.) Go to www.OptOutPrescreen.com, or call 1-888-567-8688 to remove your name from the lists they market. You may ask to be removed for five years, or permanently.
- • Register for the National Do Not Call Registry. Call 1-888-382-1222 from the phone you wish to register, or go to www.DoNotCall.gov. Also, tell telephone solicitors not to call you again, and to put you on their do-not-call list. By law, they should not call you again.
For information on preventing and dealing with identity theft, go to www.IowaAttorneyGeneral.gov, or call 515-281-5926 (Des Moines metro), or toll-free at 1-888-777-4590 (outside of the Des Moines area). Or write to the Attorney General’s Consumer Protection Division, Des Moines, IA 50319. See also: www.FTC.gov/idtheft and www.PrivacyRights.org.
More Online Resources about IDENTITY THEFT:
“Freezing Your Credit Reports” Consumer Advisory bulletin.
Iowa Attorney General’s Office brochure on How to Avoid Identity Theft. Includes many tips on how to keep your personal information private so you won’t become a victim.
Iowa Attorney General’s Office brochure, A Guide for Victims of Identity Theft. Includes many tips on practical steps to take if you have been a victim.
“Privacy Notices.” Federal law requires banks, credit card companies, brokerage firms and insurance companies to send you a “privacy notice” each year – including a toll-free number or form to prohibit them from selling your data to unaffiliated “third-party” companies. (You can ask to “opt out” at any time.) You also may ask your financial institution not to disclose information to their own affiliated companies. And you can tell other businesses not to share your information – such as your telephone or cable TV provider, stores, catalog companies, and web sites.