News From Terre Haute, Indiana

Seniors

December 7, 2009

Social Security: This holiday season, don’t give a gift to a thief

TERRE HAUTE — It’s been said that the true spirit of the holiday season is in giving, not receiving. With this in mind, it’s likely that you will be spending a bit of time shopping for presents, your credit card flying out of your wallet or purse like wind-blown snow.

But as you shop in stores and online, be sure you’re not giving a surprise gift to an identity thief. Because the surprise will be on you — and it won’t be a good one.

Sometimes when you do business, you may be asked for your Social Security number. In many cases, those asking don’t really need it. If anyone asks for your Social Security number or other identifying information, ask them why they want it and whether they absolutely need it. They can refuse you service if you don’t provide it, but consider whether the service is worth the risk.

Identity theft is one of the fastest-growing crimes in America. Someone who steals your Social Security number can use it to get other personal information about you. Identity thieves can use your number to apply for more credit in your name.

Then, they use the credit cards but leave the bills for you. Falling victim to identity theft can ruin your credit rating and make things difficult for months or years to come.

Identity thieves can obtain your Social Security number, credit card numbers, and personal information in a number of ways, including:

n Stealing wallets, purses, and mail;

n Intercepting personal information you provide on an unsecured Web site, from business or personnel records at work, and personal information in your home;

n Rummaging through your trash, and public trash dumps, for personal information;

n Posing as someone who needs your information, such as a government agency, employer, bank or landlord;

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