Protect Your Family From Identity Theft

When most people think of identity theft they realize that it could happen to them but not their children. Unfortunately, identity theft happens to people of all ages and that includes children. All too often children grow up, turn eighteen, move out and apply for credit or call to get utility service only to find that there are already back bills in their names. This is shocking, irritating and downright frightening.

Many people who have been victims of identity theft have also found that trying to undo the damage that has been done to their credit can be more of a hassle than they could ever have imagined. To be perfectly honest, most companies don’t care if you’ve been a victim of identity theft. You’ll find that they aren’t very sympathetic to your plight. If there are unpaid bills in your name the creditors want paid whether you are the party responsible for the bills or not. From their point of view the loss is yours.

Yes, you can fight to have the issues resolved and to have items removed from your credit report although it may be a long drawn out process. However there are precautions you can take to protect yourself and your children from identity theft in the first place. Avoid giving your social security number whenever possible. Use caution when making online purchases or applying for credit cards. Know who you’re giving your personal information to and why. Do a little detective work and make sure the source is legitimate.

People often get drawn into work at home scams and other deceptions that ask for personal information. Don’t be afraid to ask questions. Don’t allow yourself to be intimidated or coerced into giving any information if you feel uncomfortable doing so. Only carry one credit card for emergencies or necessities. Keep personal information at home under lock and key. Never leave your wallet or purse out in the open where someone could gain access to your information.

If you lose any of your personal information report the loss immediately by contacting the proper authorities, credit card companies and banks. Never let anyone know your social security number. This goes for your child’s social security number too. Keep checks, savings books and other financial information in a safe and private place where others will not be able to access it. If you keep any financial records or personal information in your computer be sure it is password protected. It is best not to keep personal records of any sort where someone may gain access to them.

Do not give out your social security number, financial information or any other personal info over the phone. Remember that if something sounds fishy it usually is. Don’t fall victim to identity theft. Protect yourself and your family.