While identity thieves are inventing new and more heinous ways to steal and use your good name, the truth remains that there are a few smart things you can do to protect yourself. Shred papers with vital identity information. Be careful what websites you go to. Only enter your personal information on trusted sites. But even when you take these steps, stealing your identity could be as easy as one dishonest worker at your doctor's office or someplace where you applied for a job. The unfortunate truth is that even the most careful of people can still have their identity stolen.
Once a thief has your identity, there are a multitude of modern crimes that can be committed against you under your own name. New bank accounts, mortgages, and marriages! The web can take years to untangle. Protect your Social Security card by putting it in a safe place and only giving out the number when necessary. Guard your purse or wallet and never put it down when you are shopping. Limit the number of checks and credit cards you carry in your wallet to what you actually need.
Checking your credit card and bank statements regularly for unauthorized charges can catch fraudulent charges in a timely manner. If you have credit card accounts that you don't use, close them to avoid someone stealing the number. Identity theft protection services monitor your credit report for you as well as public records and black market websites that sell stolen information. They will notify you of any issues with your credit card or credit history that looks troublesome.
One of the surest ways to help you with identity protection is to hire credit protection or credit monitoring services. There are a number of services available and each one has different ways that will help you keep your identity from being stolen. They will give you alerts ranging from credit inquiries, new accounts that are opened, changes to your account information and more.
Most of these services will monitor your credit score and will alert you if there are any new cards opened in your name or any suspicious activity that shows up on your credit report. Some people suggest looking at your credit score once or twice a year, but these services will update your rating either quarterly or even monthly. You also want to make sure that you know which credit reports the identity protection services monitor. Some will monitor the big three, Equifax, Experian and TransUnion, while others.