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Home > Tools & Resources > Identity Theft/Fraud

Identity Theft/Fraud

Identity Theft...Can Happen to You or Someone You know. Every Day Another Person Becomes a Victim.

The Federal Trade Commission's Resource Center provides you with everything to "Deter, Detect and Defend" against identity theft. It also is a comprehensive resource center for links to related laws and state and federal agencies.

This valuable site will provide you with the answers to common identity theft questions, such as:

  • What can I do to prevent identity theft?
  • What are the first steps I should take if I am a victim?
  • What to do if my personal information has been compromised?
  • How do I prove I am a victim of identity theft?
  • How do I minimize my risk?

Prevention/Detection:

The best way to detect identity theft is to regularly monitor your account activity and statements, and check your credit reports from all three credit bureaus on an annual basis. An ammendment to the federal Fair Credit Reporting Act requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit report at your request, once every 12 months.

How to get your free Annual Credit Report:

The following website AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.

Beware of advertisement claims for free credit reports, such as those seen on TV for free credit reports including "freecreditreport.com" who offers bundled services that may include charges after an initial period of time. That is a different service, and is a business for profit. Be sure to read the fine print.