- Obtain a copy of your credit report on a regular
basis (suggestion: at least once a year.) Three
Credit
Bureaus: www.annualcreditreport.com or www.myfico.com*
1. Equifax (800) 685-1111
2. Experian (888) 397-3742
3. TransUnion (800) 888-4213
- Check monthly statements and report any and all discrepancies.
- Shred, burn, or destroy personal information before throwing in the trash.
- Stop bulk mail at the post office.
- Opt out of the Direct Marketing Lists - Direct
Marketing Association, P.O. Box 9008, Farmington, NY
11735-9008. - Do not leave outgoing mail in the box with the flag up. To be extra careful, drop the mail off at a post office or postal box.
- Deal with established, reputable merchants over the phone or Internet.
- Do not give out personal information over the phone.
- When using the Internet, look for the security lock and read the privacy statement.
- Be suspicious of e-mails asking for personal information. (See #11 on how to protect yourself).
- Install the Windows Live! Toolbar with the Windows Live! OneCare Advisor add-in (One of the top rated Phishing Filters) to validate if the website / website link from an e-mail is who it claims to be from.
- Secure your home computer. Install a firewall, virus-protection, and anti-spyware software, and if you dispose of a PC, remove your data with a “wipe” utility program (erasing files manually isn’t the same thing).
- When choosing passwords, assume that someone already has a bunch of your personal information and is trying to break into your accounts. Don’t use the same password for all your accounts. Avoid using your SSN (or even a part of it), you or your mom’s maiden name, birth date, middle name, pet’s name or consecutive guessable numbers for passwords. If you have trouble remembering hard-to-guess passwords, write them down and keep them somewhere secure – hide them in a locked drawer, for example. It’s a bit of a hassle, but it’s nothing compared to having your identity stolen.
- Don’t leave printed personal and/or financial information lying around at home. This is a no-brainer. More often than not, identity thieves are friends or relatives of the victim who get their personal information offline – not electronically. Keep checkbooks, social security information, billing information, and anything else a thief could use to steal your identity out of sight and secure.
- Ask to be put on the Do Not Call list (888) 382-1222 www.donotcall.gov and Do Not Email Lists www.dmaconsumers.org/offemaillist.html.
* Get updated
Coupon Code here.
Updated 11/28/06 - Changed from MSN to Windows Live!
Branding. Now link to coupon code site, so coupon code
does not go stale. Other minor tweaks.
Benefit
Services Group, Inc.