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How Can I Prevent Identity Theft?

In The Home

Do not give out personal information by telephone, through the mail or over the Internet unless you have initiated the contact or know with whom you’re dealing.
When disposing of documents, shred all personal and/or financial information. You may want to purchase a personal shredder.
Be careful about revealing your Social Security Number (SSN) to others. Use other numbers for identification whenever possible.

In The Workplace

Keep your purse or wallet in a safe place.
Keep forms with personal information in a locked drawer.
Protect your user names and passwords. Do not share this information with other individuals.

When Handling Mail

When sending mail, deposit it in a locked mailbox or at the Post Office.
Gather your mail promptly after it has been delivered.
If you’re planning to be away from home and can’t pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request to have your mail held or visit their website www.usps.com.
Inspect your monthly/periodic account statements and credit card bills. Immediately report anything that looks suspicious.
Consider turning off your paper bank statements and receiving statements online.

As You Go About Your Business

Limit the number of credit cards and other personal information that you carry in your wallet or purse.
Don’t leave receipts containing your full account number at ATMS, bank counters, or unattended gasoline pumps.

When Using Credit or Visa Debit Cards

Report lost or stolen cards immediately by calling Commerce (800) 645-2103.
If you have requested a card and have not received the card in a timely manner, immediately notify the financial institution involved.
Closely monitor the expiration dates on your cards. Contact the issuer if the replacement card is not received prior to the expiration date on your card.
Sign all new cards upon receipt.
When using a password, avoid using the standard mother’s maiden name, birth date, and the last four digits of your Social Security or phone number. Change your passwords often.
If you have a Personal Identification Number (PIN), keep your card and PIN separate at all times and never share your PIN with anyone.
Take advantage of online statements if available.
Cancel all inactive credit card accounts. Even though you do not use them, those accounts appear on your credit report, which can be used by thieves.

Monitor your accounts and credit bureau reports

For the most up-to-date account activity, check your accounts online.
Carefully review your accounts regularly in order to quickly identify fraudulent transactions.
Order your credit reports for free. In order to get a complete view of your reports, order a report every four months from a different agency.
Visit www.annualcreditreport.com to request a free credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Credit Bureau Contact Details

	Equifax www.equifax.com	888-766-0008

	Experian www.experian.com	888-397-3742

	TransUnion www.transunion.com	800-680-7289

Always protect your PIN by not giving the number out to anyone.
Cover the keypad while you are entering the number.
Be suspicious of a machine that has signage indicating that you should use a specific machine.
Be wary of a jammed ATM that forces customers to use another ATM that may have a skimmer attached.
Alert local law enforcement and the financial institution to report any suspicious activity around an ATM.

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How to Protect Yourself