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Protect Yourself and Your Family from Identity Theft

Here's what you can do to protect yourself and your family from identity theft:

Talk with your teenagers about the importance of staying safe as they explore computers and the Internet. Teach them to keep their personal information to themselves on the web. That's important for both their financial and their personal safety.
If you or anyone in your family use public computers, such as in a library or Internet café, always log off entirely before leaving.
If you receive e-mail asking you to provide or update personal information, such as your bank account, credit card, or Social Security numbers, ignore it. Chances are, the e-mail is part of a phishing scam designed to steal your identity.
Don't use public computers for online purchases or banking in case people are looking over your shoulder, literally or electronically. You don't know what software has been installed on that machine.
When shopping on the Web, be sure you see "https://" (the “S” stands for “secure”) at the beginning of the URL for any site where you plan to enter financial information, and look for an icon in the browser interface indicating that you are connected to a secure site.
If you have a wireless laptop, your best bet is to avoid making transactions over a wireless network. A nearby thief with a wireless connection might be able to pick up some of your information.
Do not allow schools, sports teams, or medical offices to use your child's Social Security number for registration; that number should not be public knowledge. Some states may still use Social Security numbers on driver's licenses; if possible, do not allow this.
Don't let your teenagers carry their Social Security cards with them. Store them in a safe place.

The first sign that anyone in your family has been victimized by identity theft may be an increase in mail solicitations from credit card companies. Because all extenders of credit use the same three reporting agencies to research prospective customers, a lot of general information gets shared. If you start getting more junk mail than before, that may be a hint that your identity has been compromised. Of course, it may also mean that you just opened an account at the grocery store. Be aware of when, where and with whom you are sharing personal information.

If you suspect identity theft, take action immediately to limit the damage. Contact your credit card company, your bank, all three credit reporting agencies, and the police. Close any fraudulent accounts. Change passwords for all of your online accounts. And be sure to keep records of all actions you've taken.

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