“Last week I noticed that I was getting products in the mail that I hadn’t ordered. Then I noticed charges on my credit card statement that I hadn’t made. I spent a whole day calling the vendors’ numbers listed on my statement to let them know someone was using my credit card to make purchases without my permission. I don’t know what else this person may be doing with my accounts and/or my name, and I’m worried about that.”
-From a consumer’s complaint to the FTC, This year 2013
When it comes to identity theft, you can’t control whether you will become a victim. But there are certain steps you can take to minimize recurrences.
What To Do Today
- Place passwords on your credit card, bank and phone accounts. Avoid using easily available information like your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers. When opening new accounts, you may find that many businesses still have a line on their applications for your mother’s maiden name. Ask if you can use a password instead.
- Secure personal information in your home, especially if you have roommates, employ outside help, or are having work done in your home.
- Ask about information security procedures in your workplace or at businesses, doctor’s offices, or other institutions that collect your personal identifying information. Find out who has access to your personal information and verify that it is handled securely. Ask about the disposal procedures for those records as well. Find out if your information will be shared with anyone else. If so, ask how your information can be kept confidential.
If you find yourself in a predicament like this please give the professionals at InCreditable Advisors a call, to schedule a free credit analysis of your complete credit profile at 317.202.1297. InCreditable Advisors is Indy’s #1 credit consulting company servicing the entire areas of Indianapolis, Avon, Brownsburg, Danville, Plainfield and Greenwood, and all surrounding areas in Indiana.