Page 5 - AAA Shelby County – AAA Now! – March/April 2018

member services
Five Tips for a successful Identity Check-Up
If you are like most Americans, you care about your health. You get regular check-ups and try to stay in shape. But what about your identity? When was the last time you checked it? It’s a good idea to do
a check-up on the security of your identity at least once per year.
To get started, here are five tips that will help keep your identity in tip-top shape.
1) check your credit reports.
By law, you are entitled to one free credit report from each of the three nationwide credit reporting bureaus once per year. You can order your reports by visiting annualcreditreport.com or by calling (877) 322-8228. You can order all three reports at once from Experian, Equifax and TransUnion or you can stagger them and order one report from each credit reporting bureau, every three months. It may be best to do the latter so you don’t wait an entire year before you check your reports.
It’s wise to check your credit reports for accuracy
to help guard against identity theft. You should definitely check them before making a large purchase, buying insurance or applying for a job. Credit reports can help you detect identity theft because if a thief steals your personal data – like your name, birth date and Social Security number – he or she can open a credit card in your name and begin charging things. You might not know about it for a long time, however, if you don’t check your credit reports. But be sure to check all three reports, as not every credit card reports to every credit bureau.
2) Review your financial and medical statements.
Your financial and medical statements can often provide early clues of identity theft. Be sure to
check your bank, credit card, and loan statements
– whether online or on paper – for unauthorized charges. This also goes for medical bills and Explanation of Benefits (EOBs) from health insurers. Medical identity theft can be financially devastating if someone uses your insurance for costly medication or surgical procedures. Always check to see if you are being charged for a medical procedure or office visit that you don’t recognize.
3) update your security software.
Cybercriminals are relentless. They are constantly introducing new viruses and malware into cyberspace. If you mistakenly download a virus or malware, don’t let it infiltrate your computer system. Check your firewall, anti-virus and anti-malware software. Set your preferences so your software automatically updates. You can further protect your computer files by installing security patches and other software programs for your operating systems.
4) keep hard copies of personal information safe, too.
Many thieves steal personal data the old-fashioned way. They break into houses and rummage through desks, filing cabinets and boxes to find Social Security cards, passports, birth
certificates, tax returns
and bank statements. You can avoid this situation
by putting important documents into a locked drawer or safe. Better yet, you can keep them in a safe- deposit box at your bank or credit union.
5) shred old, unnecessary documents.
Your trash bin can also
be a gold mine for identity thieves. Don’t throw away documents with sensitive information without shredding them. This includes old tax returns, bank statements and mail with your name and address on it.
Identity theft can be expensive, time-consuming and stressful. Don’t chance it. Do all that you can to
safeguard your identity. It’s better to spend a little time upfront, than to back paddle for months or years trying to repair the damage.
For more information on protecting your identity, visit the ProtectMyID® blog.
ProtectMyID® from AAA works hard—
so you can
relax when it
matters most
Losing yourself during a vacation is one of life’s great rewards. This year, make identity protection part of your planning process so you don’t lose anything else.
Don’t wait for something bad to happen. Take charge of your identity by enrolling in ProtectMyID Essential, a free benefit of your AAA membership. Or take it to the next level with ProtectMyID Deluxe.
Remember, your identity is your responsibility, but you don’t have to go it alone. ProtectMyID from AAA can help.
ProtectMyID Essential and ProtectMyID Deluxe are provided by Consumerinfo.com, Inc., an Experian company. To be eligible to enroll in ProtectMyID Essential or ProtectMyID Deluxe you must be 18 years of age or older and a current valid AAA Member. Products subject to change or termination at any time without notice. Certain terms conditions and restrictions apply. Valid AAA membership required at time of enrollment.
$8.95
per month
Visit AAA.com/IDTheft or call 877-440-6943
march/april 2018
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