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J.B. VAN HOLLEN
ATTORNEY GENERAL
PROTECTING YOURSELF FROM IDENTITY THEFT
Identity theft continues to negatively impact many of our citizens.
Chances are you or someone you know may have experienced some form of identity
theft. According to the Federal Trade Commission (FTC), as many as 9
million Americans have their identities stolen each year. Statistics
released by the FTC for complaints per 100,000 population, revealed that
Wisconsin ranked 41st in the nation with 2,450 victims in 2007.
Some Wisconsin residents recently experienced a very sophisticated phone
scam, one previously not seen before in our state. It began with a phone call
and an automated message indicating that your debit card has been deactivated
because of questionable charges. Then, the recording asked folks to ‘Please
enter your 15-digit card number,’ tricking people into giving up important
credit card and financial information.
In this case, the scam was further complicated through the use of hijacking a
legitimate business’s phone number that was portrayed on caller I.D.
No one is immune from becoming the victim of identity theft. With
stolen identities, identity thieves commit credit card fraud, telephone or
utility fraud, employment fraud, Internet fraud, bank fraud and evade traffic
citations or arrest. If you take the following steps you can lessen your
chances of becoming an identity theft victim:
- Manage your personal
information wisely; make sure you know why your personal information is
required and how it will be used.
- Shred discarded personal
records and documents.
- Don't give out personal
information on the telephone, mail or Internet unless you are sure whom you
are speaking with.
- Pay attention to billing
cycles.
- Guard your mail from theft.
- Do not carry your Social
Security card, extra credit cards, birth certificate or passport, except
when necessary.
- Order copies of your credit
report yearly.
- Keep personal information in
a safe place.
If you become the unfortunate victim of identity theft you need to take the
following steps immediately to best insure protection:
- Contact your local law
enforcement agency and report the crime.
- Contact the fraud department
from each of the three credit bureaus: Experian, 888-397-3742,
www.experian.com Equifax,
800-525-6285, www.equifax.com Trans
Union, 800-680-7289, www.transunion.com
- Document and keep records of
all correspondence.
- Contact creditors for any
fraudulent accounts opened or tampered.
- Contact the Federal Trade
Commission (1-877-ID-THEFT).
As with most crimes, awareness is an effective weapon against many forms of
identity theft. Protect your personal identifying information with the
same security as you do with your personal property. Be aware of how
personal identifying information is stolen and what you can do to protect yours.
Armed with the knowledge of how to protect yourself, you can make an identity
thief’s job much more difficult.
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