Preventing Identity Theft

November 20, 2013 at 9:00 AM | Posted in Holidays, Identity Theft, Insurance Policy, Personal Insurance, Specialty Policy | Leave a comment
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‘Tis the season… for things to get hectic. With the added pressures of extra shopping lists, scheduling conflicts, decorating, and general holiday anxiety, it is easy to become vulnerable to Identity Theft. It can happen while you are shopping in stores or shopping online. The following tips can help keep you safe from Identity Theft.

  • Create a list of all of your credit card and bank account information: include account numbers, expiration dates, and hot line numbers for each account’s contact customer service or fraud departments. Keep this list in a locked area at home.
  • Before you leave your home to shop, review the contents of your wallet or purse. Don’t carry extra credit cards or identification with you that isn’t necessary. The more information you carry the easier it is for them to steal your identity.
  • When creating PIN numbers or passwords, avoid using easy information such as birthdates, or the last four numbers of your social security number that can be easily discovered by identity thieves.
  • When you are finished shopping online, make sure you log off completely. Just closing a browser may not prevent your information from being accessed. Do not use the “remember my username or password” feature.
  • Never give out personal information over the phone to someone claiming they represent a creditor.
  • Review your credit card and bank statements regularly to quickly identify and report any purchases you did not make.
  • Visit www.annualcreditreport.com to review your credit report every year. As a Massachusetts resident, you are entitled to one free credit report each year from the major credit bureaus.
  • If you suspect you are a victim of identity theft, you should place an initial fraud alert on your credit file. This will prevent any additional lines of credit from being opened without your consent.

Most insurers now offer some form of Identity Fraud coverage under a home policy. There might be an additional fee but the coverage could include credit card fraud coverage, expense reimbursement, and restoration services.

Call Protector Group at 888-850-9400 to find out what coverage options are available to you.

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