10 Tips to Foil ID Thieves (from MSN)

OliveOil · 发表于 2005-3-8 07:33

Identity theft booming
This rather broad term takes in any number of privacy crimes, including theft of a Social Security number, a credit or debit card, or even the pilfering of phone calling cards.

The numbers associated with identity theft are beginning to add up fast. A recent General Accounting Office report estimates that as many as 750,000 Americans are victims of identity theft every year. And that number may be low, as many people choose not to report the crime or, for that matter, even know they’ve been victimized.

Officials say much of identity theft still comes down to hands-on mischief -- things like ‘Dumpster diving’, in which criminals sift through trash to find a credit-card statement or solicitation that someone didn’t tear up, and 'shoulder surfing', where criminals try to spot calling card and personal identification numbers, and more commonly, mail theft.

Officials also acknowledge that the Internet has opened new avenues for theft. If nothing else, the Web allows thieves to send stolen data to most any worldwide location.

How it can happen
One popular scam involves fake mortgage brokers who dangle super low rates if the applicant is quick to provide personal data. Another uses e-mails in which the sender poses as an Internet service provider asking for information: “Even though people are told that ISPs will never ask for your Social Security number, one scam was just shut down after 70,000 people responded to their e-mails,” notes Crane.

More recently, criminals use email to link consumers to phony Web sites that ask users to "confirm" their account information by entering it into an official-looking online form.

Then, there's the infamous skimmer. “A skimmer is about the size of a credit card,” says Ellen Moriwaki, a senior product manager at CyberSource, a payment processing and risk management concern. “And a criminal buys off a waiter in a restaurant. When you give him your credit card, he rings it up but also runs it through the skimmer, which collects your credit card information. In exchange for $50 a card, a waiter can gather as many as 100 credit cards a night.”

Simple ways to protect yourself

1. Destroy private records and statements. Tear up -- or, if you prefer, shred -- credit card statements, solicitations and other documents that contain private financial information.

2. Secure your mail. Empty your mailbox quickly, lock it or get a P.O. box so criminals don’t have a chance to snatch credit card pitches. Never mail outgoing bill payments and checks from home. They can be stolen from your mailbox and the payee's name erased with solvents. Mail them from the post office or another secure location.

3. Safeguard your Social Security number. Never carry your card with you, or any other card that may have your number, like a health insurance card. And don’t put your number on your checks. It's the primary target for identity thieves because it gives them access to your credit report and bank accounts.

4. Don't leave a paper trail. Never leave ATM, credit card or gas station receipts behind.

5. Never let your credit card out of your sight. Worried about credit card skimming? Always keep an eye on your card or, when that's not possible, pay with cash.

6. Know who you're dealing with. Whenever anyone contacts you asking for private identity or financial information, make no response other than to find out who they are, what company they represent and the reason for the call. If you think the request is legitimate, contact the company yourself and confirm what you were told before revealing any of your personal data.

7. Take your name off marketers' hit lists. In addition to the national Do-Not-Call registry (1-888-382-1222), you can also cut down on junk mail and opt out of credit card solicitations.

8. Be more defensive with personal information. Ask salespeople and others if information such as a Social Security or driver’s license number is absolutely necessary. Ask anyone who does require your Social Security number -- for instance, your insurance company -- what their privacy policy is and whether you can arrange for the organization not to share your information with anyone else.

9. Monitor your credit report. Obtain and thoroughly review your credit report at least once a year to look for suspicious activity. If you spot something, alert your card company or the creditor immediately.
10. Review your credit card statements carefully. Make sure you recognize the merchants, locations and purchases listed before paying the bill. If you don't need or use department-store or bank-issued credit cards, consider closing the accounts.

If something goes wrong

Again, protecting yourself from identity theft is no sure thing. But there is plenty you can do if you uncover some wrongdoing:
• First, contact the fraud departments of each of the three major credit bureaus. Tell them that you're an identity theft victim. Request that a "fraud alert" be placed in your file, along with a victim's statement asking that creditors call you before opening any new accounts or changing your existing accounts.
• Contact the creditors for any accounts that have been tampered with or opened fraudulently. Speak with someone in the security or fraud department of each creditor, and follow up with a letter.
• File a report with your local police or the police in the community where the identity theft took place. Get a copy of the police report in case the bank, credit-card company or others need proof of the crime.
• Keep records of everything involved in your efforts to clear up fraud, including copies of written correspondence and records of telephone calls.

[ Last edited by OliveOil on 2005-3-8 at 12:11 PM ]

sindowa · 发表于 2005-3-8 07:56

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10 Tips to Foil ID Thieves (from MSN)

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