IDENTITY THEFT

Date posted: October 21, 2014

credit-card-fraudWhat is Identity Theft?
Identity theft occurs when someone uses another person’s information to fraudulently obtain credit cards, loans, open chequing account or to gain access to money or merchandise in the other person’s name.

 13 Tips for Preventing Identity Theft

 1. Be guarded with your personal information; never give personal information in response to emails.

2. Take minimal personal information with you.

3. Bring only one credit card and be vigilant with your credit card receipts.

4. Check for the VeriSign or the lock at the bottom right corner of your web browser window.

5. Review your monthly credit card statements, saving, chequing, and investment account statements on a regular basis.

6. Close unused credit card accounts

7. Don’t give out your SIN to anyone but the government, your employer, or when you apply for credit or a loan.

8. Don’t leave mail in the box overnight and don’t mail your bills from unprotected curbside mailboxes or personal mailboxes.

9. Pay attention to billing cycles.

10. Purchase a credit monitoring service from one of the national credit bureaus.

11. Use a shredder.

12. When ordering cheques, have them sent to your bank to be picked up.

13. When using your ATM card, place yourself directly in front of the screen and cover the keypad with one hand as you enter your pin.

 

THE LAW THAT PROTECTS YOU

The Personal information Protection and Electronic Documents Act law protects consumers and their right to privacy as it pertains to their personal information.

The law protects:

  • Age, Identification numbers, health card numbers, Social Insurance numbers.
  • Employee files, credit reports, medical records, stated intention to change jobs.
  • Expressed opinions, evaluations, including personal evaluations, comments, disciplinary records and criminal records.
  • Home contact information.
  • Marital status and insurance benefit coverage.
  • Videotape, machine readable records, sound recordings, photographs.
  • Website cookies.

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