During mid-June, 2007, a news story broke regarding the theft of social security
numbers and financial information for every State of Ohio employee. The
"experts" said that this data is stored in a format that makes it difficult for
the thief to use it. However, the State of Ohio immediately purchased
Identity Theft Protection for every State employee at a cost somewhere around
This has created a mad rush by people to protect their identities and to protect
themselves against credit card fraud. As with most things, there are some
good companies and there are some rip-off companies as well. I am in the
process of reviewing and selecting a service for my family and business and will
update this page, once I have made my selection.
I have also discovered some things you can do for free to get a little bit of a
handle on protecting your identity. Here is what I have discovered thus
1. The United States Federal Trade
Commission (FTC) has a portion of their website dedicated to identity theft.
This is excellent, so be sure to read it.
2. The United States Federal Trade
Commission (FTC) has a web page that discusses getting access to your free credit
reports. You are permitted, by Federal law, to request a report once each year.
Since there are 3 major credit reporting companies, some people stagger their
requests (once every 4 months) so that they have a continual flow of free credit
reports coming in throughout the year.
Read the entire page. This is good stuff!
3. This is the website mentioned by the FTC site in Item #2 that actually
processes your free credit report requests.
Be sure to read the Frequently Asked Questions page on the above website.
Very good information here, such as info on "fraud alerts!" (See Item #4,
4. Fraud Alerts, once set up, require creditors to contact you before you can be
issued credit. While it slows the credit approval process down a bit, it
can greatly reduce the likelihood that credit will be issued in your name to
someone else. You need to renew this every 90 days.
Read this USAToday article about
If you have additional thoughts to
share, e-mail me: b_i_l_l_@_g_o_l_d_e_n_w_e_b_s_._b_i_z
(you will have to remove all the underscores)
I hope you find this of value to you and thanks, in advance, for your thoughts!