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Tips to Avoid Fraud and Protect Your Identity

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When it comes to fraud, knowledge is power. Don’t be fooled by criminals. Arm yourself by reading the tips below.

Identity Theft Self-Defense Tips:

  • Do not give personal information over the phone, email or internet unless you make the initial contact.   
  • Shred everything, including credit card receipts, old bank statements, medical statements, bills, and pre-approved credit card offers.    
  • Do not enter account information in emails you believe to be from a financial institution.   
  • PIN numbers and passwords should be protected.  Be watchful at ATMs. Thieves will stand close enough to see PIN numbers punched in by users.
  • Write clearly on all credit applications.
  • Limit the number of credit cards you carry.
  • Keep only necessary identification items in a purse or wallet.  Never carry your social security number and drivers license together in your wallet.
  • Monitor your credit and bank accounts carefully to catch unauthorized charges.  
  • Never leave paid bills in your mailbox for the carrier to pick up unless it’s a locked box..   
  • Check your credit report annually.   
  • Only give your Social Security number when absolutely necessary.
  • If you do not receive a bill on time, call the creditor. 
  • If you’re moving, contact all creditors and update them on your address change immediately.  
  • Immediately report lost or stolen checks.
  • Only shop on websites that offer a privacy policy and are secure.

If you think your identity has been stolen, follow the steps below:

  • File a police report.   
  • Report the fraud to the three major credit bureaus: 
  • Call the Federal Trade Commission’s Identity Theft Hotline at (877) ID-THEFT.   
  • Contact your creditors and close your accounts. Contact your bank as well.

Learn more about NBKC's security: