Four Easy Steps to Credit Safety
There are some simple steps you can take to protect yourself from the nightmare of identity theft.
1. Don't Carry All of Your Identity with You
You should not carry your social security card, PIN number, or credit cards you don't use in your wallet or purse. Rather, keep them in a safe place in your home and only pull them out if you need them.
2. Use a Paper Shredder
Your junk mail and other documents can contain enough personal information for someone to steal your identity. Keep dumpster divers from obtaining this information by shredding everything that contains any information about you.
3. Secure Your Mail
Unsecured mailboxes are another way for identity thieves to get people's personal information. You can install a locking mailbox to ensure that your incoming mail is inaccessible. All outgoing mail should be placed in a larger blue mailbox or taken to the post office.
4. Watch Your Credit Report
You are entitled to one free credit report from each of the credit reporting agencies a year. Be sure to take advantage of this and order a copy every year. You should then check it for any errors or irregularities and report those back to the credit agency. You can get your free reports from AnnualCreditReport.com. If you feel your identity is at risk, you can also put a fraud alert in your file. Contact each of the three agencies (Equifax, Experian, and TransUnion) directly to activate this alert.
It’s not unfair for us to say that life will never be better than when you’re living at Sonoma Palms Apartments in Las Cruces, New Mexico! To further improve your day-to-day routine, we bring you these lifestyle-enhancing tips that will help you revamp your lifestyle in a variety of ways.