Scams

If it sounds too good to be true, it probably is too good to be true.

When you send money to people you do not know personally or give personal or financial information to unknown callers, you are increasing your chances of becoming a victim or telemarketing fraud.

Some warning signs

*The caller states you must act now or the offer won't be good.

*You have won a free gift, vacation, or prize but you have to pay other charges.

*You must send money, give credit card or bank account number or have a check picked up by a courier.

*You can't afford to miss this "high-profit, no-risk offer"

Identity Theft

Identity theft occurs when someone assumes your identity to perform a fraud or other criminal act.  Criminals can get the information they need to assume your identity from a variety of sources, including by stealing your wallet, riffling through your trash, or by compromising your credit or bank information.

They may approach you in person, by telephone, or the internet and ask your information.

Never throw any ATM receipts, credit statements, credit cards or bank statements in a usable form. (Always Shred it).

Check your bank account monthly and notify your bank immediately of any discrepancies.

Review your credit report yearly (Free Credit Report.com and Credit Karma).

As soon as you know your identity has been stolen, call one of the three major credit reporting agencies.

Equifax    800-525-6286

Experian   888-397-3742

TransUnion  800-680-7289

Safety tips while shopping

Do not leave your purse unattended

Keep your purse closed ( zipped, snapped, etc) at all times

Do not leave your purse visible in an unattended vehicle. Either take it with you or put it in the trunk of your vehicle

Park in well lighted area

Be alert to suspicious activity

Be aware of your surroundings

Have your keys out as you approach your vehicle

Never carry more items than necessary