This is something that I worry a lot. How can someone know that he or she is a victim of Identity theft.
How can you protect yourself? How often does something like this happen to people?
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Some people don’t find out until much later.
One good way to be sure is to get your credit reports. You are entitled to one free one per year from each agency–this is the only place to get it for free without having to sign up for some service:
http://www.annualcreditreport.com
You could also ask the SSA and reporting agencies to put a “watch” on your Social Security number.
How to protect?
First step, buy a cross-cut shredder. Use it on any document that has any kind of personal information on it.
Never carry your entire checkbook with you. In fact, it’s better not to use them at all, and just use your bank debit card whenever possible.
Only use your credit card (not your debit card) when purchasing something online. Make sure that the purchase is on a safe site.
Never give anyone your Social Security number unless absolutely necessary; and NEVER give personal information over the phone unless you have initiated the call.
Never carry your Social Security card in your wallet. The times when you actually need it are very, very rare.
Password protect your online life. Change passwords frequently.
You will have charges on a credit card that you didn’t charge for example. Someone could apply for a job using your ID or social security card for another. It is something to worry about but if you’re careful you will be fine. Most if not all credit card companies have protection against theft and lost cards. If you notice any charges on your statement you didn’t charge, they will credit you, do an investigation, and issue you a new card.