Active Duty Alerts:
If you are deployed away from your usual duty station and do not expect to seek new credit while you are deployed, consider placing an “active duty alert” on your credit report. An active duty alert requires creditors to take steps to verify your identity before granting credit in your name.
An active duty alert is effective for one year, unless you ask for it to be removed sooner. If your deployment lasts longer than a year, you may place another alert on your report.
To place an active duty alert, or to have it removed, call the toll-free fraud number of one of the three nationwide consumer reporting companies. (Check under “Defend” on this page.) The company you call is required to contact the other two.
The law allows you to use a personal representative to place or remove an alert.
DETER identity thieves by safeguarding your information.
• Cross-cut shred financial documents and paperwork with personal information before you discard them.
• Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
• Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
• Safeguard your military ID. Keep it with you or locked up at all times.
• Never lend your credit cards or account information to anyone else.
• Do not click on links sent in unsolicited e-mails; instead, type in a Web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer, and keep them up to date. Visit OnGuardOnline.gov for more
• Don’t use an obvious password like your birth date, your mother’s maiden name, or the last four digits of your Social Security number.
• Keep your personal information in a secure place, especially if you live in the dorms or with roommates.
• Don’t let mail pile up unattended if you can’t collect it. Use a mail stop or P.O. Box, or have someone you trust hold your mail while you are away.
Don’t give them the opportunity to have access to your information. Use Opt-Out options available to you.
• The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Go to www.donotcall.gov to register your number.
• Opt Out of Prescreen Offers. Prescreened offers — sometimes called “pre approved” offers — are based on information in your credit report that indicates you meet criteria set by the company offering credit. Usually, prescreened solicitations come via mail, but you also may get them in a phone call or in an email. If you decide that you don’t want to receive prescreened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or opt out of receiving them permanently. Call toll-free 1888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com for details. Read more about Prescreened Offers of Credit and Insurance at the Federal Trade Commission’s site.
• The Direct Marketing Association’s (DMA) Mail Preference Service lets you opt out of receiving unsolicited commercial mail from many national companies for five years. When you register with this service (for a $1 fee), your name will be put on a “delete” file and made available to direct-mail marketers. However, your registration will not stop mailings from organizations that do not use the DMA’s Mail Preference Service. To register with DMA’s Mail Preference Service, go to www.dmachoice.org.
• And many more, Read the World Privacy Forum’s Top Ten Opt Outs
DETECT suspicious activity by routinely monitoring your financial accounts and billing statements. If you are unable to take these steps while you are deployed, consider placing an “active duty alert” on your credit report.
• Your credit report. Credit reports contain information about you, including what accounts you have and your bill-paying history.
• The law requires each of the major nationwide consumer reporting companies—Equifax, Experian, and TransUnion—to give you a free copy of your credit report every year if you ask for it.
• Visit www.AnnualCreditReport.com or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also use the mail in request form and send it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
• Your financial statements. Review your financial accounts and read your billing statements regularly, looking for charges you did not make. If you review financial accounts online from a public computer, be sure to log off of financial sites before you end your session.
Be alert to signs that require immediate attention:
• Bills that do not arrive as expected
• Unexpected credit cards or account statements
• Denials of credit for no apparent reason
• Calls or letters about purchases you did not make
Place a “Fraud Alert” on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
• Equifax: 1-800-525-6285
• Experian: 1-888-EXPERIAN (397-3742)
• TransUnion: 1-800-680-7289
Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.
• Close accounts. Close any accounts that have been tampered with or established fraudulently.
• Call the security or fraud departments of each company where an account was opened or changed without your okay. Follow up in writing, with copies of supporting documents.
• Use the ID Theft Affidavit at www.ftc.gov/idtheft to support your written statement.
• Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
• Keep copies of documents and records of your conversations about the theft.
• Explain the situation to your commanding officer. You don’t want your C.O. taken by surprise if contacted by creditors looking to collect on charges made by the identity thief. You also may want a referral to a legal assistance office.
• File a police report. File a report with military law enforcement and the local police (if you are in the United States). Their reports will help you with creditors who may want proof of the crime.
• Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the United States in their investigations.
• Online: www.ftc.gov/idtheft
• By phone: 1-877-ID-THEFT (438-4338) or TTY, 1-866-653-4261
• By mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580
To learn more about ID theft and how to deter, detect, and defend against it, visit www.ftc.gov/idtheft.
Or request copies of ID theft resources by writing to:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Ave., NW, H-130
Washington, DC 20580