Personal Identity Theft

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Identity theft, while not as common as generally perceived, is still a serious matter that deserves your attention. Learn to spot the signs, and if you suspect you’ve been victimized, you’ll be prepared to take immediate action.

On this page

• What is identity theft?
• How does identity theft work?
• How can Access help?
• How can I reduce my risk of identity theft?
• Where can I learn more about how Access can help?

What is identity theft?

Using everyday items such as your driver’s license or Social Security number, a thief can assume your identity to open new bank accounts, establish new credit card accounts, write bad checks, obtain personal or car loans, or get cash advances – all in your name. They may even set up cell phone or utility services and run up bills, in addition to making charges on your existing account, obtaining employment or renting an apartment using your identity. Just one instance of identity theft can negatively impact your credit score and may create problems if you need to obtain credit in the future.

How does identity theft work?

Thieves use a variety of tactics to access your personal information. They may pose as someone with a legitimate need to gain access to financial data. Or the criminal could be a roommate, a worker in your home, or a friend who can easily get his or her hands on your documents. Identity thieves may even resort to rummaging through trash for pieces of non-shredded personal information, a tactic known as “Dumpster diving.” Data breaches are another way your information may become exposed.

How can Access help?

Helping you protect your personal information is a top priority for Access. Before you become a victim of personal identity theft please go to our web site at https://www.prepaidlegal.com/Multisite/Multisite?site=hub&assoc... . If you are currently a victim of personal identity theft file a report with your local police department.
How can I reduce my risk of identity theft?

There are a few basic practices you should follow to increase your safety:

• Monitor your credit card and account statements online on a weekly basis.
• Report lost or stolen cards immediately and cancel all inactive accounts. When using your card at checkout, do not volunteer any personal information.
• If you’ve applied for a new card and don’t receive it in a timely manner, or if a replacement card is not received prior to your card’s expiration date, contact your financial institution immediately. Be sure to sign new cards upon receipt, too.
• Shred sensitive documents before disposing of them, install anti-virus and anti-spyware software on all computers, and change your passwords regularly.
• Get more tips on protecting your financial information from the Better Business Bureau.

Where can I learn more about how Access can help?

Find out more how to protect your personal identity visit our web site at: https://www.prepaidlegal.com/Multisite/Multisite?site=hub&assoc... and click on Identity Theft Shield or call Bob Hutt at 866-722-4715.