You Signed Up for a Credit Freeze on Your Credit Report – Are You Safe?

Here are a few places you may want to look into regarding protecting your credit report and personal information.

  • To prevent others from accessing your Social Security information follow the recommended security steps listed on the SSA site to establish password protection. Check your work history and contact your nearest SSA office to report errors.
  • File your income tax returns early. If a false return is filed in your name  the IRS  will allow you to file a paper return with additional information. The IRS investigates the false return and will invite you to opt-in to a PIN program. The PIN is sent by mail with a number to attach to your return. New ones are issued annually. Note: If you have put a credit freeze in place – you must do a temporary lift so the IRS can confirm your identity to issue the original PIN. All future tax returns must have the PIN or they will be rejected by the IRS.
  • The breach can result in false claims for benefits from private health insurance, Medicare, or Medicaid. Read all correspondence from your health insurance providers including settlement statements. Your first clue that false claims have been filed may be a call from a collection agency. If you have evidence of theft, contact medical providers for your records and take steps to remove the false information.
  • Are you aware of MIB – not men in black, but Medical Information Bureau. If you have applied for life insurance or private health insurance they prepare a summary of your health records using information from their member insurers.  Milliman Intelliscript reports information about your prescription drug information.
  • Your driver’s license number can be used for identification on bad checks. To find out whether any bad checks are attributed to your accounts, request your free annual consumer report from major check verification companies – ChexSystemsCertegyEarly Warning Services, and TeleCheck.
  • Ask the motor vehicles department to give you a copy of your driving record; most states charge for this, about $10. To protect yourself, ask the motor vehicle department to flag your license number for the police if they stop someone using your number.

This breach caused more headaches for consumers – protect your identity!

Susan Taylor

Susan Taylor

Resources are important whether you are looking to rent your first apartment, pay your bills, buy your first home or send your child to college. There are many ways to save money to reach your goals, and hopefully ISU Money Tip$ will be one of them. I enjoy traveling, needlework and am a novice gardener.

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