Your personal information is confidential and private, but in today’s identity theft environment,
it’s getting harder to keep it that way. The Westerville Division of Police investigates fraud and theft related to stolen identities and/or personal information on a daily basis. In fact, WPD investigated a spike in stolen Social Security Numbers and fraudulent tax filings this April during tax season.
To help protect yourself, there are dozens of tips and strategies you can find from reputable sources online (Social Security Administration, law enforcement agencies). Some common tips and reminders are listed below. But always remember, there is no fail-safe way to prevent becoming a victim of crime. Report suspicious activity to WPD as quickly as possible if you suspect your identity has been compromised.
Shred your paperwork
Credit card offers, bank statements, medical records and various other pieces pertaining to personal records can and should be destroyed by shredding. Invest in a home office shredder, or collect it and shred at one time at a community event. The Westerville Parks & Recreation sponsors a Shredding Day each year in April.
“Let’s not make it easy for a thief,” said Lieutenant Jeffrey Gaylor, who oversees WPD’s Investigations Bureau. “Leaving a paper trail of documentation gives someone enough personal information to get started. Guard your credit and personal records to reduce your risk of having account numbers and other data exposed.”
Use securely or not at all
If you’re buying online, make sure you’re entering credit card information on a secure site. The URL bar will have “https://” before the website name. Buy only from reputable companies that offer online security features. Also, be cautious about emails that look and sound unusual. Even if it is from someone you know, pause before clicking on any links.
“A lot of times, you’ll notice unusual grammar or spelling in an email because its origin is from outside the U.S.,” said Gaylor. “If it looks suspicious, send it to your spam folder.”
Report suspicious activity
If something raises your suspicions, it’s worth checking out. Recently, some Westerville businesses have received phone calls from someone saying he or she represents the utility billing division and demanding payment on an account. These phone calls were reported quickly because the customers were familiar with the way the City conducts business and handles utility accounts. Remember, the City does not request credit card numbers over the phone.
Check your credit report
The best way to know what credit and debt you have in your name is to look at your credit report. It will show you all open accounts and can help you spot any errors. You can purchase a credit report or get a free copy (once a year, but it may not include your credit score). Research it online and find out which credit agency and option works best for you. Remember to check the fine print and terms and conditions if receiving your report online.
Consider an extra investment
Check with your insurance provider to see if it offers identify theft/fraud protection. It may be a few extra dollars a month for sufficient coverage to help you if credit card debt or other financial burdens come your way as a result of your identity becoming compromised. Plus, cash and additional resources will be helpful if you have to battle with lenders while restoring your good name and credit rating.
