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Identity Theft

How it works: People will use a variety of methods to convince you to give up personal information such as Social Security number, credit card numbers, calling card numbers, bank account numbers, etc. Using this information, criminals can pose as you and commit a number of crimes. This will cost you a considerable amount of money and time as you try to restore your credit rating and damaged financial situation. The attempt can occur by way of a phone call from someone masquerading as a legitimate business. It might come in the form of a letter or e-mail from an allegedly legitimate business or individual. It might even happen when someone searches your trash for mail containing personal information and credit card receipts. In many cases, a pre-approved credit card application gives the criminal enough information to set up a credit card in your name.

How to protect yourself: In general, closely guard all of your personal information. Unless you are absolutely certain you know the person or business you're talking or corresponding with, be suspicious, ask questions, and ask for callback information. Be very careful with the documents you place in your trash. Shred or rip into tiny pieces any credit card applications or credit cards you're not interested in, before you put them in the garbage. Another good idea is to obtain a free credit report annually through one or more of the major credit bureaus.

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