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Identity Theft - What You Should Know
Published on 06-19-2003
Identify theft has become the fastest growing
crime in both San Antonio and nationwide. Often times, the thief
even knows the victims and uses their information to make illegal
purchases of clothes, electronics, furniture and sometimes even
cars.
These thieves get their information in many
ways, including stealing mail for pre-approved credit offers. Checks,
statements or bills provide them with information necessary to open
accounts in a victim's name. They can also get information from
the garbage, via the phone or through the theft of a wallet or purse.
Many people don't realize they've become victims of identity theft
for months and until much damage has been done.
How to Minimize Your Risk of Identity Theft
- Promptly remove mail from your mail box
- Never give personal information over the
phone unless you initiated the call and can ID the other party
- Carry only essential ID and cards
- Never carry your Social Security card
- Sign all new credit cards immediately
- Shred bills and receipts
- Destroy all carbon copies
- Avoid writing PINs and other codes on your
credit cards
- Memorize your PINs and passwords
If you feel that your identity has been stolen,
contact the creditor and your financial institution to explain the
details and send a certified letter as a follow-up. Secondly, contact
all three of the major credit bureaus, Equifax,
Experian,
Trans
Union. You can find links to them on our web site. In order
to avoid surprises on your credit report, it is also recommended
that you look at your credit report each year.
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