Identity Theft Tips

Did you know Identity Theft may be covered by insurance?

Federal Trade Commission studies have found that millions of Americans are victims of Identity Theft. Those victims are often left unable to use existing credit or get loans. They may be harassed by debt collectors, be subject to criminal investigation, civil suit and in some instances arrested!

For as little as $10.00 in premium a year, this type of coverage may provide $25,000 in coverage for reimbursement of expenses associated with identity and credit restoration, including lost wages and other expenses.

How Can I Avoid Identity Theft?

1. Keep the amount of personal information in your purse or wallet to the bare minimum.

2. Avoid carrying additional credit cards, your social security card or passport.

3. Guard your credit card when making purchases, shield your hand when using an ATM or making long distance calls with phone cards.

4. Always take credit card or ATM receipts, don’t discard in public trash containers, leave them on the counter or put them in your shopping bag.

5. Proceed with caution when shopping online, make sure you are buying from a reputable retailer with a secure network.

6. Monitor your accounts, don’t rely on your Credit Card Company or Banks to alert you of suspicious activity, carefully monitor your bank and credit card statements, contact your credit card company or bank immediately if you suspect fraud.

7. Shred documents containing personal information, credit card numbers, bank statement information, charge receipts or credit card applications.

8. Order a copy of your credit report from each of the three major credit bureaus; a new law that took effect December 1, 2004, entitles you to one free credit report per year.

9. Place passwords on your credit card, bank and phone accounts; avoid using information like your mother’s maiden name, your birth date, any part of your Social Security number or phone number, or any series of consecutive numbers, and change passwords regularly.

10. Don’t give out personal information on the phone, through the mail or over the Internet, don’t give out any personal information unless you’ve initiated the contact or are sure you know whom you are dealing with and that they have a secure line.

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DFW Indentity Theft Insurance in Texas

Costlow Insurance serves Dallas, Ft. Worth, North Texas, and now all of Texas. Remember our motto: Insurance Texans Trust.

Since 1981, we’ve gained that reputation one customer at a time by providing you, our customer, with informed decisions about all of your identity theft insurance needs.