If you think that no one would be interested in your personal information, think again. Anyone can be a victim of identity theft.
By educating yourself about this issue, you can learn crime prevention tips as well as learn what to do if you become a victim.
Here are some common questions asked about Identity Theft:
Who has access to my information?
- Family members
- Complete strangers
What information do I need to protect?
- Your name
- Social Security Number
- Date of Birth
- Phone Number
How do thieves get access to my information?
Dumpster Diving: Going thru your trash to look for bills or other documents with personal information on it
Skimming: Using a special device when your credit card is being processed
Phishing: Pretending to be a bank or company and persuading you to reveal personal information
Stealing: Taking your wallet, purse, personal records or getting access to mail that has bank or credit card statements, pre-approved credit offers, new checks or tax information
Pretexting: Getting personal information under false pretenses then selling it to other people
If you are the victim of identity theft there are immediate, important steps you should take to safeguard your identity, including:
- Place a Fraud Alert with Experian, TransUnion and Equifax
- Report the Identity Theft to the Federal Trade Commission (FTC) The FTC maintains a database of identity theft cases to assist in law enforcement investigations
- File a Police Report
- Monitor your accounts and credit
McLean Insurance is pleased to offer an identity monitoring solution called Legal Shield. For as low at $14.95, you can protect the identity of you, your spouse and up to 8 dependents.
For those without identity theft protection, the road to identity recovery can be overwhelming, costly and often confusing. The key is to act as quickly as possible to reduce any damage to your identity. Recovery issues can include:
- Replacing credit, ATM & debit cards
- Closing any misused checking account
- Terminate any loans opened in your name
- Dealing with Debt Collectors
- Disputing Tex Filings made in your Name
But with a LegalShield ID Theft Protection, members only need to make one simple call to an Identity Theft expert who will set everything in motion for you! The peace of mind and simplicity is priceless!