{"id":2196,"date":"2015-07-27T12:01:27","date_gmt":"2015-07-27T12:01:27","guid":{"rendered":"http:\/\/blogs.cooperhealth.org\/weeklyrounds\/?p=2196"},"modified":"2015-07-27T14:28:29","modified_gmt":"2015-07-27T14:28:29","slug":"avoiding-identity-theft","status":"publish","type":"post","link":"https:\/\/blogs.cooperhealth.org\/weeklyrounds\/2015\/07\/avoiding-identity-theft\/","title":{"rendered":"Avoiding Identity Theft"},"content":{"rendered":"

Over the past 18 months we have heard news stories about major breaches affecting millions of people, the most recent being the U.S. Office of Personnel Management with 21.5 million individuals affected. One of the primary concerns with these breaches is identity theft. Identity theft is when a thief obtains, by any means, your identifying information\u2014primarily your name, your social security number and your date of birth\u2014and uses that information to obtain loans, credit cards, etc.<\/p>\n

Warning Signs Your Identity May Have Been Stolen<\/strong>
\n\u2022 Accounts you didn\u2019t open and debts on your accounts that you can\u2019t explain.
\n\u2022 Inaccurate information on your credit reports, including accounts and personal information, such as your social security number, address, name or initials, or employer.
\n\u2022 Failing to receive bills or other mail (this could indicate that an identity thief has taken over your account and changed your billing address\u2014follow up with creditors if your bills don\u2019t arrive on time).
\n\u2022 Receiving credit cards that you didn\u2019t apply for.
\n\u2022 Being denied credit or being offered less favorable credit terms, like a high-interest rate, for no apparent reason.
\n\u2022 Getting calls or letters from debt collec\u00actors or businesses about merchandise or services you didn\u2019t buy.
\n\u2022 Finding out when you apply for a mortgage or car loan that problems with your credit history are holding up the loan.
\n\u2022 Getting something in the mail about an apartment you never rented, a house you never bought or a job you never held.<\/p>\n

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies\u2014Equifax, Experian and TransUnion\u2014to provide you with a free copy of your credit report, at your request, once every 12 months. The three nationwide credit reporting companies have set up a central website, a toll-free telephone number and a mailing address through which you can order your free annual credit report.<\/p>\n

To order, visit annualcreditreport.com<\/a>, call 1.877.322.8228 or complete the Annual Credit Report Request Form on the website and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.<\/p>\n

For more information on avoiding identity theft and what to do if you are a victim of identity theft, please view the links below:
\nwww.youtube.com\/watch?feature=player_detailpage&v=lp_8cvNm_vE <\/a>
\nwww.youtube.com\/watch?v=z9vfcCmh7Qk&feature=player_detailpage
\n<\/a>
\nThe “Don’t Be That Guy” videos highlight potential problem areas many Internet and mobile users face while providing solutions on how to protect private information.<\/p>\n","protected":false},"excerpt":{"rendered":"

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