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Protect Your Personal Information Some simple steps can make a big difference. For example, shred sensitive documents instead of simply throwing them away. Also, be absolutely sure you know who you're dealing with before giving any personal or financial information. OnGuard Online, a site created by the U.S. Federal Trade Commission (FTC), offers additional information on preventing identity theft. Avoid Using Your Social Security Number Ask companies and government agencies you do business with if you can create an alternate customer identifier. Most good companies will accomidate you with this request. However, there still may be situations where you may be required to provide your social security number. If at all possible, don't use it as an id to access information in your account. Monitor Your Accounts and Financial Statements Promptly read any statements or correspondence when they arrive. Make sure there are no changes or transactions you did not initiate. Maintaining a close eye on your account, you can spot suspicious activity and take steps to notify officials. The accounts that you hold with your bank, phone company, utility companies and e.commerce providers should be monitored regularly. If a bill arrives unusually late or not at all, call the company. Also, as of September 1, 2005, US residents are entitled to receive one free credit report every 12 months. These reports are from each of the three nationwide consumer credit reporting agencies: Equifax, Experian and TransUnion, and can be requested at AnnualCreditReport.com. Be sure to monitor your credit for inaccuracies. Some Warning Signs of Identity Theft Identity theft warning signs include: Observing unauthorized charges or withdrawals Not receiving renewed credit cards, bills, or other mail Getting credit cards for which you did not apply Recieving notices for changes to the account you did not initiate Credit denial(s) for no apparent reason Communications by mail or phone about items or services you didn't buy Although errors do occur, never assume that a mistake has been made and will automatically be corrected. Follow up with the business or institution is a must. Act Quickly If You Suspect Identity Theft If you suspect that your personal information has been comprimised, immediately: Review your credit reports & notify credit agencies Place a fraud alert on your accounts Close any accounts that have been comprimesed or opened without your consent File a report with the police File a complaint with the Federal Trade Commission

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