Identity Theft Tips & Action Steps

Protect Yourself from Identity Theft

  • Promptly remove mail from your mailbox after delivery.
  • Deposit outgoing mail in post office collection mailboxes or at your local post office.
  • Do not leave your mail in an unsecured mailbox.
  • Never give personal information, such as social security number, date of birth, mother’s maiden name, or bank PIN code over the phone, unless you initiated the phone call.
  • Shred pre-approved credit applications, credit card receipts, bills, and other financial information you don’t want before putting them in the trash.
  • Remove extra credit cards and IDs from your wallet or purse.
  • Cancel the ones you do not use and keep a list of the ones you do.
  • Order your credit report from the three credit bureaus once a year to check for fraudulent activity or other discrepancies.
  • Never leave receipts at ATM machines, bank counters, trash bins or unattended gasoline pumps.
  • Memorize your social security number and all of your passwords and PINs. Do not record them on any cards or anything else in your wallet or purse.
  • Sign all new credit cards upon receipt.
  • Save all credit card receipts and match them against your monthly statements.
  • Be aware of when you would normally receive routine financial statements. Contact the sender if they are not received in the mail.
  • Notify your credit card companies and financial institutions in advance of any change of address or phone number.
  • Never loan your credit cards to anyone else.
  • Never put your credit card or any other financial account number on a postcard or on the outside of an envelope.
  • If you have applied for a new credit card and it hasn’t arrived in a timely manner, call the bank or credit card company.
  • Report all lost or stolen credit cards immediately.
  • Closely monitor expiration dates on your credit cards. Contact the credit card company if replacement cards are not received prior to the expiration date.
  • Beware of mail or phone solicitations disguised as promotions offering instant prizes or awards designed solely to obtain your personal information or credit card numbers.

Internet Services

Use caution when disclosing checking account numbers, credit card numbers, or any other personal financial data at any website or on-line service location unless you receive a secured authentication key from your internet service provider.

Never respond to “phishing” emails requesting personal information, including passwords. No authentic business or service will request a personal password, or personal information such as social security number.

When you subscribe to an on-line service, you may be asked to give credit card information. When you enter any interactive service site, beware of con artists who may ask you to “confirm” your enrollment service by disclosing passwords or credit card account number used to subscribe. Don’t give them out!

Action Steps for Identity Theft Victims

  • Freeze fraudulent accounts. Contact the appropriate creditors, banks, phone companies, and utility companies, and have them freeze the accounts. You’ll probably be liable for some of the fraudulent charges, but different issuers have different policies. Most creditors promptly issue replacement cards with new account numbers. Make sure you inform them in writing, as well. It is helpful if you store the contact information in one convenient place.
  • Contact the Golden Police Department at (303) 980-7300, or your local law enforcement agency, to file a report.
  • Call each of the three credit bureaus’ fraud units to report identity theft. Ask to have a “Fraud Alert/Victim Impact” statement placed in your credit file asking that creditors call you before opening any new accounts.
Credit Bureaus
Equifax
800-525-6285
P.O. Box 740250
Atlanta, GA 30374
Experian
888-397-3742
P.O. Box 1017
Allen, TX 75013
TransUnion
800-680-7289
P.O. Box 6790
Fullerton, CA 92634

 

You may also need to contact one or more of the following government bodies, each of which will inform you of the necessary procedures.

Mail Fraud

If you suspect that someone has changed your address with the post office, or used the mail to commit identity theft, notify the US Postal Inspector.

Fraud Using Your Social Security Number

If your Social Security number has been used to commit identity theft, call the Social Security Administration at 1-800-772-1213. You can order a copy of your earnings and benefits statement to check whether someone has used your Social Security number to get a job or to avoid paying taxes.

Fraud Involving Your Passport

Notify the U.S. State Department’s Passport Services Department of the identity theft so that it can intercept anyone ordering a new passport in your name.

Additional

You may also want to contact the Federal Trade Commission’s Identity Theft Hotline toll-free at 1-877-438-4338.

COG Mesa

 Did You Know?
Golden was originally chosen as the territorial capital of Colorado in 1862.

Additional Resources

City of Golden, Colorado
COG Mesa