Identity Theft Prevention and
Recovery
Identity theft can happen
at any time to anyone. Thieves are very creative
and are always looking for new methods to access personal information for
their own gain. The information thieves are looking for is not always clear –
some things are obvious like Social Security numbers, others are not, like family
relationships and insight on your personal life.
Protection
Here are 10
important tips to follow for preventing ID theft …
1. Only
carry what you need - leave extra credit cards, checks and
documentation with sensitive information (Social Security Cards) at home when
shopping or leaving your home. When carrying Medicare information it is best to
carry a copy and black out the first five numbers of the Social Security number
which most hospitals will accept.
2. Consider
carrying your wallet in your front pocket, in a neck pouch or in a
fanny pack on the front of you.
3. Never
leave your purse or wallet unattended, even at social or religious gatherings where you
feel safe and comfortable - thieves can be lurking anywhere.
4. Keep
an itemized list of the cards you do carry on a daily basis along
with the check numbers you carry so that if your belongings are stolen you can
quickly call and report the stolen cards to the card companies.
5. Before
allowing company into your home, always lock up personal information and laptops
and log off and shut down your computers.
6. Be
especially cautious of using the ATM. Try to always go into the bank, but if you do use
an ATM, only use ones that are lit and take your receipt with you and shred it.
7. Deter
crime from your home with lighting, radios and televisions. Use timers
or motion detectors on outdoor lighting if you can afford it, or leave lighting
on at night when you are away.
8. Never
give out personal information to someone reaching out to you via phone, email,
instant message, text message, door-to-door or through social media. If you
receive a call from a company requesting personal information, inform them you
will hang up and call their primary company phone number to ensure the call is
legitimate.
9. Use
secure, non-personal passwords that contain both capital and lower case letters,
numbers and unique symbols (!*@$).
10. Be
cautious with your generosity - make a charitable giving plan and do not deviate
from it. Check out the legitimacy of every charity before giving them your
hard earned money.
Recovery
If your identity has been
stolen, the sooner you discover it, the sooner you can take the steps necessary
to fix it. Do not let fear, ignorance or embarrassment keep you from doing what
you need to do to protect your finances, your property and most
importantly, yourself!
What victims
should do next …
1. Let
all of your creditors know that your ID has been stolen. Be sure
to keep track of who you talked to, when you talked to them and their job
titles, and phone numbers. Remember, the sooner you notice and report any
discrepancies on your accounts, the easier it is to dispute them.
2. Close
your accounts. Send confirmation that you are closing your
accounts in writing, by certified mail, return receipt requested. Keep copies
of everything.
3. When
you open new accounts, put passwords on them (do not use a password
that relates back to personal information that someone can guess).
4. Contact
the issuing agency of any IDs that were taken - driver's license, state
ID, employment ID. Do not just cancel and replace, ask the agency to put a
caution or flag on your file so nobody else can get replacements.
5. File
a police report and make copies of that report to send to your
creditors. Do this in person rather than using an automated report. If your
police department does not take identity theft reports, ask to file a
"Miscellaneous Incident Report." If you are still unable to file a
report, contact your state Attorney General to find out exactly what your state
law is in regards to identity theft.
6. Find
out from each creditor just what it is you need to do to clear up the mess, and
then do it, keeping track of everyone you talk to and everything you do.
7. Once
all the disputed charges have been taken off your accounts and
everything is resolved, have those companies send you a letter that
states in writing that the disputed accounts are closed and the
fraudulent debts discharged. File and keep copies of these letters to use if
this erroneous information reappears on your credit report.
8. Follow
up to make sure everything has been taken care of and
keep checking your accounts regularly.
9. Report
the theft or fraud to the three major credit bureaus. Have
them place a fraud alert on your account so that new lines of credit cannot be
opened without explicit confirmation by you.
10. Do
not fall for so-called credit repair scams. The only
information that can be removed from your credit report is inaccurate
information, and that is something you can do for yourself.
Reprinted by Always Best Care Senior Services with
permission from
Senior Spirit, a publication of the Society of Certified Senior Advisors.
The Certified Senior Advisor (CSA) program provides
the advanced knowledge and practical tools to serve seniors at the highest
level possible while providing recipients a powerful credential that increases
their competitive advantage over other professionals. The CSA works closely with Always Best Care Senior Services to help ABC
business owners understand how to build effective relationships with seniors
based on a broad-based knowledge of the health, social and financial issues
that are important to seniors, and the dynamics of how these factors work
together in seniors’ lives. To be a
Certified Senior Advisor (CSA) means one willingly accepts and vigilantly
upholds the standards in the CSA Code of Professional Responsibility. These
standards define the behavior that we owe to seniors, to ourselves, and to our
fellow CSAs. The
reputation built over the years by the hard work and high standards of CSAs
flows to everyone who adds the designation to their name. For more information, visit www.society-csa.com.
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people for the right level of care means peace of mind for the client and
family. Always Best Care Senior Services has assisted over 25,000 seniors,
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the company as one of the premier providers of in-home care, assisted living
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