Identity Theft Info

Warning! Your personal information is at risk!

Thieves are trying to steal your personal information. They want your account numbers, passwords, Social Security number and any other confidential information they can use for their financial gain. Their financial gain is your financial loss unless you know how to protect yourself.

With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even drivers' licenses in your name. This can do damage to your financial history and personal reputation that can take years to unravel.

You can prevent this!

Understand How Phishing Works

phishing (FISH.ing) pp. Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information. -phisher n.

In a typical case, you'll receive an email that appears to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the email may appear to come from a government agency, including one of the federal financial institution regulatory agencies.

The email will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as "Immediate attention required," or "Please contact us immediately about your account." The email will then encourage you to click on a button to go to the institution's web site.

In a phishing scam, you could be redirected to a phony web site that may look exactly like the real thing. Sometimes, in fact, it may be the company's actual web site. In those cases, a pop-up window will quickly appear for the purpose of harvesting your financial information.

In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, account number, password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth.

Reputable companies should never ask for your personal information through a phone call or an e-mail. If you provide the requested information, you may find yourself the victim of identity theft.

Spoofing

Pretending to be something it is not, whether an email, website, etc...

Learn How to Protect Yourself

  1. Protect your passwords and personal information. Never provide your personal financial information, including your Social Security number, account numbers or passwords, over the phone or the internet. If you do not initiate the communication, you should not provide any information as thieves armed with this information can help themselves to your money.
  2. Know who you are dealing with. Never click on a link provided in an email you believe may be fraudulent. Email and internet pages created by phishers can look exactly like the real thing. If you believe the contact may be legitimate, contact your financial institution yourself. You should be the one to initiate the contact, using contact information that you have verified yourself.
  3. Use anti-virus software and a firewall, and update both regularly. Look for anti-virus software that recognizes current viruses, as well as older ones; effectively reverses the damage; and updates automatically. If your firewall was shipped in the "off" mode, turn it on, and be sure to set it up properly. Also before downloading free software, read the fine print, some downloads come with spyware.
  4. Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving, call your financial institution to find out why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.

Know What to Do if You Fall Victim

If you have disclosed sensitive information in a phishing attack, contact your financial institution, and one of the three major credit bureaus to discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening an account in your name. Here is the contact information for each bureau's fraud division:

Equifax
800-525-6285
P.O. Box 740250
Atlanta, GA 30374

Experian
888-397-3742
P.O. Box 1017
Allen, TX 75013

TransUnion
800-680-7289
P.O. Box 6790
Fullerton, CA 92634


Report all suspicious contacts to the Federal Trade Commission through the Internet at www.ftc.gov/bcp/edu/microsites/idtheft/, or by calling 1-877-IDTHEFT.