How to Protect Your Identity

Identity thieves are hunting for your Social Security (SS) number as this is the easiest way to steal your identity. Having your identity stolen is a serious problem which can lead to years of misery. Obviously, we must make every effort to keep our SS number a secret and protect our identity.

Identity theft is one of the most serious and fastest growing crimes in America. Someone who steals your SS number can exploit it and get personal information about you. Identity thieves can then use your SS number to apply for more credit in your name. Then they charge things to the card and leave the bills for you. Being victimized by to this crime can ruin your credit rating and make life miserable for months or years to come.

Often, when we do business, we are asked for our SS number. Frequently, those asking for your number do not really need it. When asked for your SS number ask them why they want it and if they absolutely need it. They can refuse to do business with you if you do not provide the number, so you must consider if the service is worth the risk.

Identity thieves can steal your SS number and other personal information about you in a other ways. Let us review some of them.

1. Stealing wallets, purses, and mail.

2. Intercepting personal information you listed on unsecured Web sites, from business or personal records where you work, and personal information in your home.

3. Rummaging through your trash, and public garbage dumps.

4. Posing as someone who requires your information, such as a landlord, government official, employer, or banker.

5. Buying information about you for clerks and employees where you shop, or other individuals who have information about you.

These are the practical steps you can take to protect your identity.

1. Be extremely careful about who you give your SS number to.

2. Do not carry your SS card in your purse or wallet. Keep your card locked in a safe place with your other important papers.

3. Check your credit reports once a year, which you can do free at www.annualcreditreport.com.

4. Read the fact sheet Identity Theft And Your Social Security Number, at www.ssa.gov/pubs/10064.html.

If you believe someone is already using your SS number or identity, contact the Federal Trade Commission at www.ftc.gov/bcp/edu/microsites/idtheft, or call 1-877-IDTHEFT (1-877-438-4338) (TTY 1-866-653-4261.)

Taking these steps should provide serious protection from identity theft.

Source: Nick Krutz, Social Security District Manager in Wilkes-Barre, PA; Prevent identity theft; keep your SS number secret, The Citizens' Voice Newspaper, December 19,2009.