Identity theft is the number one consumer fraud complaint, affecting over 9 million Americans every year. However, there are steps that you can take to help reduce the risk of your personal information falling into the wrong hands:
STEPS TO TAKE TO PREVENT ID THEFT (from the New York State Division of Consumer Protection and the Federal Trade Commission):
* Regularly Check Your Credit Report. Consumers are entitled by law to one free copy of their credit report each year from each of the three major credit bureaus (Equifax, Experian, and TransUnion). A credit report is an important record of an individual’s finances, and is used by creditors, insurers, and other businesses when determining applications for things like credit, insurance, loans, and mortgages. Regularly checking your credit report can help you uncover and report inaccurate information or fraudulent activity. Knowing what’s in your credit report will enable you to act quickly to minimize the damage.
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