Protect Yourself Against Identity Theft
Identity theft happens when someone illegally gets hold of your personal or financial information, such as your Social Security number or credit card details, and uses it to impersonate you. This can lead to unauthorized purchases, loans, or even criminal activity in your name.
It’s a growing issue that affects people of all ages and income levels. In fact, North Carolina once ranked above the national average for identity theft cases, according to the FTC. That’s why we’re committed to helping you stay informed and protected.
Think it can’t happen to you? Think again.
How Do Thieves Steal Your Information?
Identity thieves use a variety of tactics to get your personal data. Here are some of the most common methods:
- Phishing: Fake emails that look like they’re from your bank or a trusted retailer, asking for sensitive info.
- Vishing: Similar to phishing, but over the phone and often using fake caller IDs or voicemail messages.
- Skimming: Devices attached to card readers that capture your debit or credit card information.
- Pretext Calling: Scammers pretend to be from a legitimate business to trick someone into giving up their details.
- Dumpster Diving: Going through trash to find documents with personal information.
- Physical Theft: Lost or stolen wallets, purses, or documents like passports and Social Security cards.
While no one can guarantee complete protection, knowing how these scams work is a powerful first step.
What Should You Do If You Think You're a Victim?
If you suspect your identity has been stolen, act fast. Here’s what to do:
- Contact your bank and credit card companies to freeze or close compromised accounts.
- Notify check verification services to prevent fraudulent check use.
- File a police report with your local department.
- Request your credit report from the three major credit bureaus.
- Check your mail for signs of theft. If anything’s missing, alert your post office and the police.
- Keep a detailed record of what happened, who you contacted, and when.
- Report the incident to the FTC to help track and investigate the crime.
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Need Help Filing a Claim?
The Federal Trade Commission (FTC) offers step-by-step guidance, including:
- Answers to common questions
- Contact info for credit bureaus
- Claim forms and instructions
- Tips for monitoring your credit
Know Your Rights
You have rights under federal law if you’re a victim of identity theft. Visit the FTC’s website to learn more about how you’re protected and what steps you can take.
For Business Owners
Businesses can be targets, too. If your company experiences a data breach, you’re required to notify affected individuals and organizations. The FTC provides resources and sample notification letters to help you respond appropriately.