Ten,Ways,Reduce,Your,Risk,Iden business, insurance Ten Ways to Reduce Your Risk of Identity Theft
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With identity theft still on the rise, it'smore important than ever to take the necessary precautions to keepyourself safe. People are being more careful with their information.But how can you be sure you're doing enough? While there are alwaysextremes lengths you could take, here is a list of key steps to protectyour information. Only carry with you what you need. When leavingthe house to shop or dine out, take the debit or credit card you planto use as well as your ID. There's no need to bring every card youpossess and doing so increases your risk. If a potential thief seesyour open wallet bursting with credit cards, you've immediately raisedyour risk. Even without a thief catching a glimpse of the contents, inthe case of a random purse snatching or a lost satchel, having a cardor two at home will help to cover your expenses until new cards can beissued. Don't carry your social securitycard in your wallet. That also goes for your passport and birthcertificate. These are key items in stealing someone's identity. Theyare better kept in a secure location, such as a safe or even a safetydeposit box. Try not to put your socialsecurity number, driver's license number, or phone number on yourchecks. Better yet, try not to use checks at all. They contain youraccount number as well as personal information and are an easy way fora thief to leach money out of your account. Bevigilant about checking your monthly bank and credit card statements.Immediately report any activity that is out of the ordinary. The sooneryou report any suspected fraud, the quicker it can be resolved. Sendbill payments from the post office. A locking mailbox at your house isfine to use as well. You can also use your bank's online bill payservice, which is more secure than mailing a check. Checkyour credit report at least once a year. You are legally guaranteed onefree report annually. Look carefully for any irregularities and reportthem as soon as possible. Immediatelyreport any lost or stolen cards. Even if you think you know where itis, it's better to report the card as lost just in case. Check yourmail often until the new card arrives. If you don't receive it within15 days, call the company. The same goes for any reissued cards you maybe expecting. Shred everythingconfidential. Especially anything containing your personal or financialinformation. Even preapproved credit card offers should be destroyedbefore disposing; having a card issued in your name is a prime way forthieves to glean your information. Make alist or photocopy of all your credit and debit card numbers, bankaccounts, investments, and insurance account numbers with expirationdates and phone numbers for customer service and fraud reporting. Keepit in a secure place, such as a safe. This way you have all thenecessary information including contact numbers in case your purse orwallet is stolen. Write "see photo ID" onthe backs of your credit cards in permanent ink. Doing so willhopefully cause merchants to follow your request and catch any would-beusers. Don't grumble when asked for ID. Doing so will only encourageworkers to stop checking and you'd hate for it to be your stolen cardwhen an ID wasn't asked for. While this isn't a completely comprehensive list, following these tips will help prevent identity theft from happening to you. Article Tags: Identity Theft, Credit Card
Ten,Ways,Reduce,Your,Risk,Iden