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identity theft Archives - Fair Debt Collection Help

08 Feb

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Protect Yourself Against Identity Theft

February 8, 2014 | By | No Comments

With recent headlines concerning data breaches at major retailers, it seems like not a day goes by that we aren’t hearing about Identity Theft.

While identity theft isn’t a new problem, the number of instances is continuing to grow. According to the U.S. Department of Justice, approximately 11,571,900 people annually fall victim to identity fraud. However, many people still don’t understand the fundamentals of the crime, and most importantly how to protect themselves. In today’s technology-driven society personal information is easily accessible and identity theft is more common than ever. Here are just a few ways to keep yourself protected:

Check your Credit – Carefully look over your credit card and bank statements and keep an eye out for any suspicious charges. Track down even the smallest charges you don’t remember making, because there’s a chance your credit information was stolen.

Be Careful About Releasing Information – Don’t give your information out to just anyone. One way that criminals obtain your personal information is through fake WiFi connections and through website data. Only purchase items online from reliable and secure sources and refrain from posting personal information about yourself, like your address and date of birth. Also, NEVER send your social security number or financial information through an email. Identity thieves will send out fake emails that show they’re from your bank (sometimes called “phishing”).  If you’re not sure whether the email is real, call your financial institution.

Military Members Should Take Extra Precautions – Military veterans file more complaints about identity theft than any other group, according to an article in US News. Not only are veterans names most accessible through the internet, but according to the article, their conditioned training has left them more susceptible to identity theft. To help fight the issue, the Federal Trade Commission designated July 17 as Military Consumer Protection Day, to help better educate veterans on the level of danger associated with identity theft.

19 Jun

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8 Ways to Avoid Identity Theft

June 19, 2013 | By | No Comments

Identity theft is a booming problem that affects more than 10 million Americans per year leading to debt and financial disparity. But there are several ways to avoid having your identity stolen, and here’s how:

Man at ATM inserting his bank card

photo by: thinkpanama

  1. Guard your PIN. It sounds simple, but watch peering eyes while you’re visiting ATMs.
  2. Enter information online cautiously. Be sure a website is safe and secure before entering any credit card, bank, or other personal information. If you have any doubt, call to confirm it’s the right website.
  3. Keep your social security number safe. Don’t carry around your card unless necessary, and be cautious of who you give your number to.
  4. Protect your mail. Heading on vacation? Stop your mail to avoid any mail theft. If you’re moving, be sure to forward your mail to your new address.
  5. Shred your documents. Prevent thieves from attaining your personal information in your trash.
  6. Have a prepared list of your account numbers and expiration dates. If your wallet or credit card does get stolen, you’ll be able to immediately call your banks and lenders to freeze them and get a new card before a thief gets a chance to act.
  7. Use a strong password for accounts. While it may be easier just to use a simple password for everything, use a strong password that wouldn’t be easy to guess. Use a mix of capital and lowercase letters, numbers and symbols.
  8. Review your credit report. Check your credit report and credit score often to monitor for any suspicious behavior or inaccurate information.
  9. If a debt collector has been contacting you because of false debt from identity theft and has violated your request that they cease contacting you or is otherwise violating your rights, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you or complete our online for a free FDCPA case review.