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Consumer Advisory Bulletin (May 2009)

Prevent Identity Theft

Take Control of Your Personal Information

When your personal information is sold or gets into circulation, it poses two threats: you will receive more unwanted solicitations -- and you could become a victim of “identity theft,” such as someone opening an account using your name. Control your personal information – especially your credit card, bank account and Social Security numbers.

  • Protect your Social Security number.Don’t print it on your checks. Don’t give it out unless it is required (on tax forms or employment records, for example.)

  • Never give your credit card, bank account, or Social Security numbers over the phone unless you initiated the call and check out the business. Don’t give financial or personal information on sweepstakes entries, prize offers, or warranty and rebate cards. (Information may be sold and circulated, increasing junk mail and the risk of identity theft.)

  • Order your FREE annual credit report from the three national credit reporting companies (Equifax, Experian and TransUnion). Go to www.AnnualCreditReport.com. Or call toll-free to 877-322-8228. Or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348. Your credit report will tell you, for example, if someone has stolen your identity by opening a credit card account using your name. [Go to Iowa A.G. Consumer Advisory bulletin on obtaining your Free Annual Credit Report.]

    Beware of “look-alike” web sites that charge you for your credit report. And, note: Your free credit report does not include your “credit score.” If you want your credit score, you will have to purchase it for a small fee directly from the credit reporting companies.

  • Consider placing a “freeze” on your credit reports. A credit 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. To learn more about this important safety precaution, go to “Freeze Your Credit Report.”

  • "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 888-567-8688 to remove your name from the lists they market. You may ask to be removed for two years, or permanently.

  • Register for the national "Do Not Call" list. Call 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.

  • Ask the Direct Marketing Association to remove your name from mailing lists it manages.Go to www.DMAconsumers.org, or write to DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512. Be sure to include all variations of your name. (It may take a few months before you notice a significant decrease in mail solicitations.)

  • More tips: Go to www.IowaAttorneyGeneral.org for info and brochures on both preventing and dealing with identity theft. See also www.PrivacyRights.org and www.ftc.gov/idtheft. Write to the Attorney General's Consumer Protection Division, Des Moines, IA 50319. Call 515-281-5926, or 888-777-4590 (toll-free.)

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.

The FTC web site on identity theft – especially on what to do if you are a victim. (U.S. Federal Trade Commission.)

The US Postal Service web site on identity theft.

The Privacy Rights Clearinghouse, a nonprofit consumer information and advocacy organization.

 

“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.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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