WE HAVE MOVED TO:
CAMPUS POLICE - Identity Theft Information
What Should I Do To Avoid Becoming A Victim Of Identity Theft?
The answer to
this comes directly from the United States Department of Justice.
To reduce or
minimize the risk of becoming a victim of identity theft or fraud, there are
some basic steps you can take.
stingy about giving out your personal information to others unless you have
a reason to trust them, regardless of where you are:
Start by adopting a
"need to know" approach to your personal data. Your credit card company may
need to know your mother's maiden name, so that it can verify your identity
when you call to inquire about your account. A person who calls you and says
he's from your bank, however, doesn't need to know that information if it's
already on file with your bank; the only purpose of such a call is to
acquire that information for that person's personal benefit. Also, the more
information that you have printed on your personal bank checks -- such as
your Social Security number or home telephone number -- the more personal
data you are routinely handing out to people who may not need that
If someone you don't
know calls you on the telephone and offers you the chance to receive a
"major" credit card, a prize, or other valuable item, but asks you for
personal data -- such as your Social Security number, credit card number or
expiration date, or mother's maiden name -- ask them to send you a written
If they won't do it,
tell them you're not interested and hang up.
If they will, review the
application carefully when you receive it and make sure it's going to a
company or financial institution that's well-known and reputable. The Better
Business Bureau can give you information about businesses that have been the
subject of complaints.
If you're traveling,
have your mail held at your local post office, or ask someone you know well
and trust another family member, a friend, or a neighbor to collect and
hold your mail while you're away.
If you have to telephone
someone while you're traveling, and need to pass on personal financial
information to the person you're calling, don't do it at an open telephone
booth where passersby can listen in on what you're saying; use a telephone
booth where you can close the door, or wait until you're at a less public
location to call.
your financial information regularly, and look for what should be there and what
Should Be There.
If you have bank or
credit card accounts, you should be receiving monthly statements that list
transactions for the most recent month or reporting period.
If you're not receiving
monthly statements for the accounts you know you have, call the financial
institution or credit card company immediately and ask about it.
If you're told that your
statements are being mailed to another address that you haven't authorized,
tell the financial institution or credit card representative immediately
that you did not authorize the change of address and that someone may be
improperly using your accounts. In that situation, you should also ask for
copies of all statements and debit or charge transactions that have occurred
since the last statement you received. Obtaining those copies will help you
to work with the financial institution or credit card company in determining
whether some or all of those debit or charge transactions were fraudulent.
What Shouldn't Be There.
If someone has gotten
your financial data and made unauthorized debits or charges against your
financial accounts, checking your monthly statements carefully may be the
quickest way for you to find out. Too many of us give those statements, or
the enclosed checks or credit transactions, only a quick glance, and don't
review them closely to make sure there are no unauthorized withdrawals or
If someone has managed
to get access to your mail or other personal data, and opened any credit
cards in your name or taken any funds from your bank account, contact your
financial institution or credit card company immediately to report
those transactions and to request further action.
periodically for a copy of your credit report.
Your credit report should
list all bank and financial accounts under your name, and will provide other
indications of whether someone has wrongfully opened or used any accounts in
careful records of your banking and financial accounts.
Even though financial
institutions are required to maintain copies of your checks, debit transactions,
and similar transactions for five years, you should retain your monthly
statements and checks for at least one year, if not more. If you need to dispute
a particular check or transaction especially if they purport to bear your
signatures your original records will be more immediately accessible and
useful to the institutions that you have contacted.
Even if you take all of
these steps, however, it's still possible that you can become a victim of
identity theft. Records containing your personal data -- credit-card receipts or
car-rental agreements, for example -- may be found by or shared with someone who
decides to use your data for fraudulent purposes.
EMERGENCIES ON CAMPUS DIAL 4444
Quinsigamond Community College Police
"Reducing Crime and
508-854-4221 Non Emergencies.
508-854-4444 Emergencies from
off campus & from a cell phone.
508-854-4200 Chiefs Office.
670 West Boylston Street Worcester, Ma 01606