ID Theft Advice
Very Cool List of Free ID Info Don’t Let the Government Screw You!
It’s more public than you think.
Who’s calling you? Check cell and other phone numbers.
What is check fraud and what steps do I take if I am a victim?
Every day most of us give away information about ourselves — sometimes knowingly and other times when we do not even realize it. You are your best privacy protector. It pays to:
* Be Aware * Be Assertive * Be an Advocate
Be aware of how and when you give out personal information. Find out what information about you is stored in major industry and government data bases.
1. Find out what is in your credit report . It can determine if you get a loan, an apartment, a job, or insurance coverage. It is available to credit grantors, employers, landlords and insurers — anyone with a “legitimate business need.” The crime of identity theft is rampant. Order your credit report at least once a year. Make sure it is accurate and check for fraud.
Consumers can get a free copy of their credit reports annually. To order your free reports from the three credit bureaus, go to where you can order your reports directly or download the to mail in your request. You can also call (877) 322-8228.
For more information, see the Federal Trade Commission’s Facts for Consumers at . The PRC’s guide on credit reporting is another source of useful information, .
We recommend that you stagger your reports from the three bureaus: Equifax, Experian, and TransUnion. Order one every four months to enable you to monitor your credit history throughout the year. But order all three at once if you are in the market for credit or are applying for a job.
Also, Â Look for ways to “opt out” of mailing lists to reduce “junk” mail. Many mail order firms, magazines and credit card companies now provide a box to check if you do not want your name, address, and shopping habits sold to or shared with other companies.