Free identity theft protection is not hard to do but requires some of your time. Identity theft is on the rise.
In the United States alone, almost 20 million identity theft cases have been reported since 2008.
Protect yourself with free identity theft protection. You don’t necessarily need to have credit monitoring services in order to keep yourself safe from this viscous crime.
If the thief does anything illegal (other than stealing your identity) while using your credit cards, social security number, etc, you can be the one arrested and held responsible.
This can be a real nightmare while you try to clear your name and get your life back.
It's also imperative to take steps to protect your home and everything you've worked so hard for, so check out the best home security companies for more tips.
Following the tips below will help you keep your identity safe and away from criminals.
Never just throw your personal information in the trash. This is just asking to become a victim.
You may choose to run 1 report from each agency every 4 months. By spacing this out you cover your bases better.
If you run all three reports at the beginning of the year, this leaves the rest of the year open for something to happen. That would be harder to catch.
The first of November, 2007, consumers in America were given the ability to limit access to their individual credit reports by all three credit reporting agencies.
A credit agency puts a flag on your credit report called a fraud alert and may do a credit freeze.
See an extended explanation at credit freeze for more.
If a person tries to open credit in your name (such as a cell phone, house loan, credit card, or car loan) the creditor (not the bureau) is supposed to contact you and verify that this particular transaction is something that you want to take place.
Your credit report can still be accessed by lenders.
If you do your banking and pay your bills online, you have access to check your accounts more often, and on a more regular basis.
Paying attention to your billing cycle will also help in keeping your identity safe.
If you don’t receive your bills on time, you may be a victim of identity theft. Free identity theft protection takes time, but is definitely worth you're time and effort.
Minimize your risk and guard your credit card receipts. You don’t want to allow someone easy access to your credit accounts.
This is easy access to criminals that steal mail out of mailboxes.
Do not leave your mail in your mailbox overnight or for long periods of time.
It is better to be safe than sorry and have a little inconvenience that saves you from becoming a victim.
Find out who has access to your information and how they dispose of it, and who the information is shared with, and verify if your information is secure.
Using the tips in free identity theft protection will give you the tools you need to protect your identity.
Be especially careful who you give this type of information to. The less information given, the less chance you will become a victim.
Be sure you don’t give your personal information in response to any e-mails.
This ensures your personal information data is encrypted when it’s transmitted.
I do this whenever I use one of my cards. If there are people hanging around and you don’t feel safe, don’t use the machine.
Receiving less marketing calls and mail will lessen your risk of identity theft.
Knowledge is the key in protecting yourself from becoming a victim.
I hope my tips for free identity theft protection will help you in your fight against identity theft happening to you.