January 29, 2024

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Identity theft is when someone uses your personal or financial information without your permission. By gaining access to your name and address, social security number, or usernames and passwords, scammers can open credit cards and other lines of credit, access bank accounts, steal your tax refund, apply for unemployment resources in your name and even use your health insurance for medical services. 

Scammers tend toward the path of least resistance, so putting a few simple protections and healthy habits in place can go a long way toward preventing you from becoming a victim. 

1. Check your credit reports regularly: Go to www.annualcreditreport.com and check for accounts that you don’t recognize. You are now allowed one free check per week with each of the reporting bureaus (Experian, Transunion and Equifax) by using AnnualCreditReport.com.

Healthy Habits:  

  • Review your credit reports at least quarterly (if not more often) to ensure that there are no accounts that have been opened without your knowledge. 
  • Freeze your credit (and your minor children’s) with each of the bureaus if you do not intend to take a loan or open a credit line in the near future. Credit freezes can be done online with each of the bureaus, are easy to undo when needed and will prevent the fraudster’s attempt to use your credit.


2. Safeguard your mail: Scammers will steal mail to access financial statements, checks and new credit cards. They will use this information to rack up charges and even open new accounts you never know about, until it is too late. 

Healthy Habits:  

  • Enroll in eStatements to receive account statements electronically.  
  • Use electronic billpay or other online payment methods rather than paper checks. 
  • To prevent your sent mail from being stolen, bring it into the post office rather than using the blue collection box or your home mailbox with the flag up. 
  • Sign up for delivery notification using USPS Informed Delivery, which will serve two purposes. The first is that you will know when a sensitive piece of mail is on the way. The second (and maybe more important) reason is that only one person may register per address, so by enrolling you are preventing the fraudster from signing up in your name and therefore knowing when your sensitive mail is due to arrive.


3. Safeguard your online presence: Scammers will monitor your social media for years, pulling bits of information that may seem trivial but over time may allow them to build a file on you. For example: Do you use your pet’s name, car model or mother’s maiden name as a password verification hint? Now think about how easy it is to monitor your online presence to learn those answers. 

Healthy Habits: 

  • Do not click or open unexpected links or attachments, even from someone you know. 
  • Avoid public Wi-Fi for any site that requires a username and password i.e., banking, online shopping, etc.  
  • Do not accept friend requests unless you are certain of whom it is. 
  • Avoid those games that ask a few questions to “learn” what character of a favorite show you are, as they often ask questions that are commonly used as password hints or verification questions.  
  • If using peer-to-peer (P2P) payment apps, privatize your transactions.  
  • If you receive an unusual request from someone you know, double-check their profile, or reach out to them personally to confirm the request is legitimate. 
  • Do not give your username and password to anyone, ever. 


4. Keep your computers and phones up to date: The ability to use computers and phones for everything from reading the morning paper to paying the mortgage is a convenience, but because there is so much personal information now stored on our devices, scammers will try to take advantage of outdated devices and security systems. 

Healthy Habits:  

  • Make sure to download recommended updates and patches for your devices and operating systems.  
  • Use antivirus software and firewalls and take advantage of automatic updating.  
  • Choose strong passwords and make sure they are different from passwords that you use for other sites or devices.  

Consider using two-factor or fingerprint authentication and getting a PIN for your phone account.  

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What to do if you think you’re a victim of fraud or identity theft

If you believe you have been a victim, call the companies where fraud occurred and let them know what happened. They will place a freeze right away and may be able to recover some or all of the lost funds. To report identity theft and start a recovery plan, we encourage you to visit www.identitytheft.gov.  

For more information, please visit Cape Cod 5's Security Center.

Cape Cod 5 Security Center

Need Help?

Call 888-225-4636

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