Julia Asks… Im nervous about my credit and someone stealing my identity. What should I do to protect myself?

Identity Theft can occur in various ways: Dumpster Diving, Skimming, Phishing, or just plain stealing.  In some instances it is preventable, in others, no matter what you do – you may become victim to identity theft.   Here are some basic tips that will prevent  ID Thieves from gaining your information.

  • Always shred financial documents.
  • Never click on links in Unsolicited E-mail.
  • Do not use obvious passwords.
  • Do not give out personal information: your birth date, when and where you went to high school or college.
  • Protect your Social Security Number.
  • Keep your personal information in a safe place.
  • Be alert to bills that don’t arrive when they should.
  • Be proactive about unexpected Credit Cards or Account Statements.
  • Be alert for Credit being denied unexpectedly
  • Respond immediately to Calls or Letters about purchases you never made.
  • Check your credit report at least twice a year
  • Regularly review your financial statements.
  • Close any accounts that have been tampered with.
  • Go Paperless.
  • Store your financial and personal information in a locked storage box.
  • Be alert when responding to emails.
  • When contacted by an institution by phone, tell them you will call them back.
  • Opt out of pre-approved credit offers.
  • Get a locking mailbox.
  • Copy all of your credit cards and keep them stored in a safe locked place.
  • Carry only two cards at a time.
  • Never carry your Social Security card, instead keep it locked in a safe place.
  • Don’t store your home address on your automobile’s GPS.
  • Don’t store your home telephone number on your cell phone.
  • Don’t do your banking from your cell phone.

Bottom line is to always be aware, pay attention and take action when something isnt right! If you need some extra protection , PrePaid Legal has options. Contact John H. Weksler (303)-475-4565.

Meet Cheryl!

About Cheryl

As a successful business owner and community leader, Cheryl Braunschweiger is known and respected for getting things done with a degree of skill and enthusiasm that bring out the best in those around her - colleagues, clients and friends. The name of her business, ALMC Mortgage, reflects Cheryl's philosophy and personality. She says it stands for All Loans Must Close –a reflection of her determination to do whatever it takes to serve her clients. Cheryl has been in the mortgage lending business for 20 years. Read More About Cheryl
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