How Identity Theft Happens

Criminals can easily obtain your personal data without going to the trouble of entering your home:

With enough identifying information, a criminal can take over an individual's identity for a wide range of crimes, including false applications for loans and credit cards, fraudulent withdrawals from bank accounts, fraudulent use of telephone calling cards, and fraudulently obtaining goods or privileges. If the criminal has the bills for all these activities sent to another address, the victim may not become aware of what is happening until substantial damages have occurred, both to the victim's assets and to his/her reputation.

How to Reduce Your Risk for Identity Theft

What To Do If You're a Victim, or Think You May Be a Victim

According to the Federal Trade Commission, identity theft complaints are broken down as follows:

If you suspect that your personal information has been hijacked and misappropriated to commit fraud or theft, take action immediately, and keep a record of your conversations and correspondence.

Recommendations from the Federal Trade Commission Website

If you suspect that someone has used your name, Social Security number, or other personal information to get credit or a loan, the following steps can help.

Important Contact Information
There are a number of helpful services to help you respond if you have been a victim of identity theft. Below is a list of resources that we have compiled on your behalf.

Federal Trade Commission's Identity Theft Hotline
877/ID-THEFT www.ftc.gov or http://www.ftc.gov/bcp/menus/consumer/data/idt.shtm

Social Security Administration's Fraud Hotline
800/269-0271 www.ssa.gov

Equifax Fraud Division   www.equifax.com
P.O. Box 740250
Atlanta, GA 30374

Experian Fraud Division   www.experian.com
P.O. Box 1017
Allen, TX 75013

Trans Union Fraud Division   www.transunion.com
P.O. Box 6790
Fullerton, CA 92634




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