Warning signs that you may be a victim include:

• You receive a phone call or a letter either approving or denying credit for accounts you have not r
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  What is identity theft?

  Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. Repairing the damage caused by identity thieves takes time and money.

  How can identity theft happen to you?

  It is frightening to realize that there is more than one way someone can steal your personal information, but it must be accepted. So what can you do to protect yourself and loved ones from being victims of identity theft?

  It seems harmless to just throw away junk mail, however junk mail is a common gateway to your information. With a technique known as "dumpster diving," thieves find bank or credit card statements by rummaging through your trash. Pre-approved credit card offers are a dream come true for identity thieves as they are able to open lines of credit on your behalf. Always be sure to shred any documents with important information.

  Scammers may also try to steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. This practice is known as "phishing" online or "pre-texting" by phone. With advancing technology, clerks working at places you patron can easily take a picture with a camera phone to capture your credit card number. This is why it is important to always be alert and discrete with your information.

  Warning signs that you may be a victim include:

  • You receive a phone call or a letter either approving or denying credit for accounts you have not re
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    e you know may have experienced some form of identity theft. Repairing the damage caused by identity thieves takes time and money.

    How can identity theft happen to you?

    It is frightening to realize that there is more than one way someone can steal your personal information, but it must be accepted. So what can you do to protect yourself and loved ones from being victims of identity theft?

    It seems harmless to just throw away junk mail, however junk mail is a common gateway to your information. With a technique known as "dumpster diving," thieves find bank or credit card statements by rummaging through your trash. Pre-approved credit card offers are a dream come true for identity thieves as they are able to open lines of credit on your behalf. Always be sure to shred any documents with important information.

    Scammers may also try to steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. This practice is known as "phishing" online or "pre-texting" by phone. With advancing technology, clerks working at places you patron can easily take a picture with a camera phone to capture your credit card number. This is why it is important to always be alert and discrete with your information.

    Warning signs that you may be a victim include:

    • You receive a phone call or a letter either approving or denying credit for accounts you have not r
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      om being victims of identity theft?

      It seems harmless to just throw away junk mail, however junk mail is a common gateway to your information. With a technique known as "dumpster diving," thieves find bank or credit card statements by rummaging through your trash. Pre-approved credit card offers are a dream come true for identity thieves as they are able to open lines of credit on your behalf. Always be sure to shred any documents with important information.

      Scammers may also try to steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. This practice is known as "phishing" online or "pre-texting" by phone. With advancing technology, clerks working at places you patron can easily take a picture with a camera phone to capture your credit card number. This is why it is important to always be alert and discrete with your information.

      Warning signs that you may be a victim include:

      • You receive a phone call or a letter either approving or denying credit for accounts you have not r
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        nes of credit on your behalf. Always be sure to shred any documents with important information.

        Scammers may also try to steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. This practice is known as "phishing" online or "pre-texting" by phone. With advancing technology, clerks working at places you patron can easily take a picture with a camera phone to capture your credit card number. This is why it is important to always be alert and discrete with your information.

        Warning signs that you may be a victim include:

        • You receive a phone call or a letter either approving or denying credit for accounts you have not r
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          lerks working at places you patron can easily take a picture with a camera phone to capture your credit card number. This is why it is important to always be alert and discrete with your information.

          Warning signs that you may be a victim include:

          • You receive a phone call or a letter either approving or denying credit for accounts you have not requested.
          • You no longer receive your credit card statements, or you notice that some of your mail seems to be missing.
          • Your credit card statement includes charges for things you know you never bought.
          • A collection agency tells you they are collecting for an account you never opened.

          How can you prevent being a victim?

          • The FTC advises that the best way to catch identity theft is to regularly monitor your credit report. Every time someone applies for a line of credit in your name it will come up on your credit report. Check out www.AnnualCreditReport.com to find out how to do this for free.
          • Stop the junk mail. Your discarded mail is an entry to your information. Call the Credit Bureaus' Main Opt-Out Line at 888-567-8688 to remove your name from the list of people eligible to receive offers of credit for 5 years. Check out our website www.sierrawestern.com for complete directions to opt yourself out. Another reason to stop your junk mail: about 62 million trees and 25 billion gallons of water are used to produce a typical year's worth of junk mail in the United States.

          When shopping online, check to be sure that the address in your web browser starts with "https" (instead of just "http") before you enter your credit card information. This ensures that the company encrypts your personal information with SSL before transmission.

          What if I am a victim?<