The bottom line or online threats like phishing, spyware, and hackers is identity thet. ID thetoccurs when someone uses your name, Social Security number, credit card number or otherpersonal inormation without your permission to commit raud or other crimes. That’s why it’simportant to protect your personal inormation. To fnd out how to deter and detect identity thet, visit tc.gov/idthet.But, according to OnGuard Online, i your personal inormation is accidentally disclosed ordeliberately stolen, taking certain steps quickly can minimize the potential or the thet o youridentity.•
Place a “Fraud Alert” on your credit reports, and review the reports carefully.
The alerttells creditors to ollow certain procedures beore they open new accounts in your nameor make changes to your existing accounts. The three nationwide consumer reportingcompanies have toll-ree numbers or placing an initial 90-day raud alert; a call to onecompany is sufcient:Experian: www.experian.com, 1-888-EXPERIAN (397-3742)Equiax: www.equiax.com, 1-800-525-6285TransUnion: www.transunion.com, 1-800-680-7289Placing a raud alert entitles you to ree copies o your credit reports. Look or inquiriesrom companies you haven’t contacted, accounts you didn’t open, and debts on youraccounts that you can’t explain.•
. Close any accounts that have been tampered with or establishedraudulently:- Call the security or raud departments o each company where an account wasopened or changed without your okay. Follow up in writing, with copies o supporting documents.- Use the ID Thet Afdavit at tc.gov/idthet to support your written statement.- Ask or verifcation that the disputed account has been closed and the raudulentdebts discharged.- Keep copies o documents and records o your conversations about the thet.
What To Do If Your Personal Information Has Been Compromised