Posted on: Sunday, January 8, 2006
Take steps to protect information
By Greg Wiles
Advertiser Staff Writer
Identity theft may be one of the fastest-growing crimes nationally. It's almost impossible to completely guard against it, but there are actions you can take to minimize your risk.
Jealously guard your Social Security number, a key number used by credit agencies, employers, tax agencies and others to identify you. If anyone asks for it, question why they need it, how will they use it and whether another number will suffice.
Shred any potentially sensitive document before throwing it out. Besides being better for the environment, you'll protect yourself against "Dumpster divers" who sift through trash for information. Confetti-type paper shredders are better than those that strip cut.
Old computers, CDs and other data disks may contain valuable information. When disposing of a computer use a "wipe" program to write over the hard drive.
Don't use passwords that thieves can obtain easily. That includes your birth date, address, mother's maiden name or last digits of your Social Security number.
Don't let mail pile up in your mailbox while you're away or place outgoing bill payments in your mailbox for pickup. If you don't receive a bill or statement, it may be a tipoff that someone is diverting your mail to a different address. Thieves might fill out a change-of-address form in your name.
Make online purchases only on secure sites. Don't open files or download programs sent to you by strangers. Be suspicious of unsolicited e-mail.
Carry only the credit cards you think you'll need. Don't carry your Social Security card.
Keep personal information out of sight when workers or visitors are in your home.
Check your credit report. Free reports are available from each of the three major credit reporting agencies at www .annualcreditreport.com or call (877) 322-8228.
Check bills to make sure there are no unauthorized purchases. If you have Internet access, check your account activity online.
Reach Greg Wiles at gwiles@honoluluadvertiser.com.
