545 East 222nd Street, Euclid Ohio
Ph: (216) 731-1234
Fax: (216) 289-8543
safeguard all their account numbers so they won't be a victim of identity
theft. Identity theft happens when someone pretends to be you by using
your personal information when applying for loans, credit cards, or
leases. In some cases people may impersonate you when receiving traffic
violations or other legal contact
The thief takes advantage
of your good history or credit record, leaving behind bad credit or misdeeds in
your name. Losses to consumer and institutions due to identity theft
totaled $845 million in 1997, according to the U.S. Secret Service.
How the thief gets your personal
- Stealing your purse or wallet.
- Pilfering information such as bank
statements and pre-approved credit card applications from your mailbox.
- Posing as your employer, loan officer
or landlord to get your credit reports.
- Going through trash for credit card
carbons or loan applications.
- Watching transactions at automated
teller machines to capture you PIN.
How to minimize the risk...
- Never carry your social security
number (SSN) in your wallet or diary or printed on checks.
- Guard your SSN closely, giving it out
only to official authorities or businesses you trust. Some firms will
accept another identifier if you ask.
- Be careful how you dispose of
document. Ideally, shred them.
- Exercise your right to stop your
credit header being sold, which will also stop pre-approved offers of
credit. Call the credit bureaus' special toll free line (888)
- Don't post personal information on the
internet - for example, on genealogical or college reunion sites.
- Check your credit report at least once
If you become a victim of identity
- Report identity theft and get help on
how to restore your credit by contacting Federal Trade Commission, Consumer
Response Center, 600 Pennsylvania Avenue NW, Washington DC 20580, or call
382-4357. Online = www.consumer.gov/idtheft
- To report ID theft, get your credit
record and notify the following agencies
- Trans Union, Fraud Assistance
Department, PO Box 6790, Fullerton, California
92384, (800) 680-7289
- Equifax, PO Box
740241, Atlanta, GA 30374-0241, (800) 525-6285
- Experian, PO Box
1017, Allen, Texas 75013, (800) 301-7195
- Report ID theft to Euclid Police
Department or to obtain information on the proper agency to contact
- Call dispatch at (216) 731-1234.
For consumer-oriented information:
Privacy Rights Clearinghouse, 1717 Kettner Avenue, Suite 105, San Diego