Protect Against Identity Theft
PROTECT YOURSELF FROM ID THEFT
Identity theft is serious. The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.
HOW DO THIEVES STEAL AN IDENTITY?
- Spyware. Criminals can install stealth software on your computer that lets them steal your identity and do other damage. Learn what spyware is, how to tell if it's on your computer and get rid of it, and how to avoid it altogether.
- Malware. Criminals sometimes use malware – programs like viruses and spyware – to get into your computer. Once it's there, they use it to steal information, send spam, and commit fraud. Learn the signs of malware and how to reclaim your computer and the information it stores.
- Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
- Pretexting. They use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources. For more information about pretexting, click here.
- Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.
- Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.
- Changing Your Address. They divert your billing statements to another location by completing a change of address form.
- Old-Fashioned Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records, or bribe employees who have access.
WHAT CAN YOU DO?
The best way to avoid becoming a victim of Identity theft is to educate yourself on the threats and methods that criminals use to get your personal information. MECU has Partnered with the Federal Trade Commission to provide educational resources and materials for our members.
- To learn more about Identity theft in general, visit the FTC's "Fighting Back Against Identity Theft" website
- For more information about Computer and Internet Security, visit the federal government's "Onguard Online" website
