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Be Safe
&
Secure Online
We are committed to help
keeping you safe online
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What is Identity Theft?
Identity theft is illegal
use of another person's identity. It comes in many
forms such as account fraud, credit/debit card fraud,
communication (phone/computer), or stealing another's
social security number.
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Types of Identity
Theft Threats
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Phishing
- is a type of threat, where a the
attacker is looking for one small piece of information.
(i.e. account number).
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Pharming
- is when a "spoofed" or fake
website is made to look like a legitimate website for
means of stealing information.
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Spy ware
- hidden files or programs that
unknowingly are downloaded and spy on your computer from
the inside.
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Viruses
- are files or programs that
attack your computer allow your computer to taken over
by another person or make your computer unusable.
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How can you protect yourself from Identity Theft?
TIPS to keep you
safe
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Keep credit/debit card
numbers, PIN's, passwords checks, Social Security
Numbers, insurance cards, driver's license numbers, or
any other personal information in a safe location.
(Dispose of this information properly if not needed, use
of a cross-cut shredder is recommended)
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Keep deposit/withdrawal
slips, credit card purchase receipts, bank and credit
card statements, credit card solicitations, utility and
medical bills, insurance information, and
investment updates in a safe location. (Dispose of this
information properly if information is no longer needed,
use of a cross-cut shredder is recommended)
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Have all mail with sensitive
information sent to a Post Office Box. When
sending mail drop it off at a Postal Drop Box and not
leave it in your mail box. Also stop your mail
when you leave for vacation.
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Never give out any
information over the phone, unless you have a very good
reason.
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Limit the information on
your checks and remember that your checks contain all of
your account information.
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Don't ever respond to
unsolicited emails ask for your information. (Phishing,
mentioned below)
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Use only reputable websites
and firewalls on the internet.
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Promptly review all bank and
credit card statements when they are received and report
any unauthorized transactions immediately.
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Don't use PIN's or passwords
that are easy to guess.
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Obtain and check copies of
your credit report regularly. The three major
reporting agencies are required to each give you a
report once a year. (Information Listed above)
Contact the three credit reporting agencies and report it if
your identity has been stolen.
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Equifax®
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1-800-525-6285
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Experian®
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1-888-EXPERIAN (1-888-397-3742)
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Trans Union®
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1-800-680-7289
Close all accounts that are
affected by ID theft, keep details records of everything
involved. Contact the Federal Trade Commission
(1-877-IDTHEFY 1-877-438-4338). If mail is stolen contact
the United States Postal Service.
"Do Not Lists"
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Request to not receive
anymore pre-approved offers of credit, call
1-888-5-OPT-OUT (1-888-5-678-688)
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National do not call
registry, call 1-888-382-1222 or go to
www.donotcall.gov.
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To be removed from the
national direct mailing list, write to the DMA Mail
Preference Service, PO BOX 643, Carmel NY 10512 or you
can go online to
www.the-dma.org/consumers/offmailinglist.html
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Identity Theft Resources
* These links will take you off
of the F&M Website
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