SENIORS VS CRIME: A PROJECT OF THE STATE ATTORNEY GENERAL
Here is some very useful information from Seniors vs. Crime on identity theft.
NINE SIGNS OF IDENTITY THEFT
Every two seconds an American becomes the victim of identity fraud, which impacts 10 million people a year. Most get their first notice from a financial institution. These nine signs can alert you that your credit information is compromised.
1. Unexplained charges or withdrawals. Monitor your credit card and bank statements very carefully and call immediately if you have any unexplained charges or withdrawals.
2. Medical bills from doctors you have not visited and having claims refused may indicate your insurance was maxed out by someone using your information. Call your carrier.
3. Receiving an unsolicited credit card or a statement. If this happens, contact the company immediately.
4. Inaccurate information on your credit report. You can view your report at www.AnnualCreditReport.com
. Look at the credit accounts that are listed to make sure they are all yours.
5. Receiving collection notices or calls concerning unknown debt. If this happens, send a letter by certified mail requesting proof of debt and the name of the creditor within 30 days.
6. An application for a credit card or credit is turned down, and you know of no reason for this denial. Ask for an explanation -- it could be someone opened an account in your name and failed to make payments.
7. You haven't received a statement from your credit card company by mail or email. This could be the result of someone changing your address, and your mail being forwarded without your knowledge.
8. The IRS notified you that more than one tax return was filed in your name, or that you have additional income from an unknown employer. Check your earnings on your social security statement at www.socialsecurity.gov/myaccount
9. Having a warrant issued for your arrest could indicate someone impersonated you in a crime.