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-Be proactive. The Fair and Accurate Credit Transactions Act of 2004 requires
the three national credit bureaus -
Contact
Contact TransUnion at 1-800-680-7289 or online at www.transunion.com
Contact
-Be cautious. Legitimate companies don't contact their customers via e-mail and ask them to confirm or update information, or threaten to deactivate accounts for failing to do so. Be suspicious of requests for account numbers, Social Security (news - web sites) numbers or passwords.
Avoid hyperlinks. Instead of using the hyperlink provided in the e-mail, connect to the company's official Web site through your browser. The links from phisher's e-mails can be difficult to distinguish from the real thing.
ALREADY HOOKED?
-Contact financial institutions with which you have accounts if you think you may have given personal financial information to a phisher.
-Place a fraud alert on your files at credit bureaus. It's initially effective for 90 days, but may be extended for seven years.
-File a report. Even if you didn't take the bait, report suspicious e-mails to the company being impersonated and your Internet service provider. If you were victimized, contact local law enforcement where the identity theft took place. Also, file a complaint with the Federal Trade Commission, at 1-877-IDTHEFT (1-877-438-4338), or with the FBI (news - web sites)'s Internet Fraud Complaint Center, online at www.IFCCFBI.gov
-Know your rights. For a complete list of ID-theft rights, go to www.ftc.gov/os/2004/07/040709fcrafrnfinal.pdf
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