ID Theft Prevention
What is ID Theft?
It is fraud (committed or attempted) using personal identifying information such as name, social security number, or date of birth of another person without authority.
How to Prevent ID Theft?
- Deter: minimize the risk by protecting your personal information, such as: Social Security Number, Household Mails, Internet Access, Your Purse, or Your Wallet
- Detect: monitor your accounts and bank statements each month and check your credit report regularly
- Defend: recover your identity by placing a fraud alert on your credit report.
- Credit Bureau Information
1-800-680-7289 Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
P.O. Box 740241, Atlanta, GA 30374-0241
P.O. Box 9532, Allen, TX 75013
To protect the consumer, all financial institutions take pre-caution on alerts on the reports from the credit bureau with any suspected ID theft incident:
- A fraud or active duty alert is shown on the credit report;
- The credit bureau sends a notice of address discrepancy when applicant's address does not match to the credit report; or
- A notice of credit freeze is sent from the credit bureau when the credit report shows inconsistent patterns of activity, such as: significant increase of inquiries or recent credit usage; unusual recent credits; or account closed due to abuses.