Avoid the same information and numbers when you create a Personal Identification Number (PIN).
To thwart an identity thief who may pick through your trash to capture your personal information, tear or shred your charge receipts, copies of credit applications, insurance forms, bank checks and statements, expired charge cards, and credit offers you get in the mail.
Two of the card companies have cleared my parents' name, but the third has turned the account over to a collection agency.
It's a good idea to order a copy of your credit report from the three credit bureaus every year to check on their accuracy and whether they include only those debts and loans you've incurred.Real People, Real Problems from ID Theft These complaints were sent to the Federal Trade Commission: "Someone used my Social Security number to get credit in my name...I have been turned down for jobs, credit, and refinancing offers. I want to open my own business, but it may be impossible with this unresolved problem hanging over my head." "My elderly parents are victims of credit fraud. Someone applied for credit cards in their name and charged nearly ,000.This could be very important if you're considering a major purchase, such as a house or a car.A credit bureau may charge you up to for a copy of your report. Keep a copy in case your creditors need proof of the crime.