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Protecting Your Identity

Identity theft happens when someone uses your Social Security number or other personal information to open new accounts, make purchases, or get a tax refund.

Most people who experience identity theft must take several steps to recover. IdentityTheft.gov is the federal government’s one-stop resource to help you report and recover from identity theft. There are also a number of preventative steps that you can take to help minimize the risk of your identity being stolen, including:

  • Be Alert to Impersonators
    Make sure you know who is getting your personal or financial information. Don’t give out personal information on the phone, through the mail or over the Internet unless you’ve initiated the contact or know who you’re dealing with. If a company that claims to have an account with you sends email asking for personal information, don’t click on links in the email.
  • Safely Dispose of Personal Information
    Before you dispose of a computer, get rid of all the personal information it stores. Use a wipe utility program to overwrite the entire hard drive. Before you dispose of a mobile device, check your owner’s manual, the service provider’s website, or the device manufacturer’s website for information on how to delete information permanently, and how to save or transfer information to a new device. Remove the memory or subscriber identity module (SIM) card from a mobile device. Remove the phone book, lists of calls made and received, voicemails, messages sent and received, organizer folders, web search history, and photos.
  • Encrypt Your Data
    Keep your browser secure. To guard your online transactions, use encryption software that scrambles information you send over the internet. A “lock” icon on the status bar of your internet browser means your information will be safe when it’s transmitted. Look for the lock before you send personal or financial information online.
  • Keep Passwords Private
    Use strong passwords with your laptop, credit, bank, and other accounts. Be creative: think of a special phrase and use the first letter of each word as your password. Substitute numbers for some words or letters. For example, “I want to see the Pacific Ocean” could become 1W2CtPo.
  • Don’t Overshare on Social Networking Sites
    If you post too much information about yourself, an identity thief can find information about your life, use it to answer ‘challenge’ questions on your accounts, and get access to your money and personal information. Never post your full name, Social Security number, address, phone number, or account numbers in publicly accessible sites.

Source: www.ftc.gov

Call (808) 624-9884 for more information.

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