Being a victim of identity theft can leave your credit history in tatters and take years to resolve.
Take these steps to help minimise the chances of this happening to you:
- Carry as little personal information as possible in case of loss or theft
- Place a padlock on your letterbox to guard against theft
- Carefully dispose of any correspondence that contains personal information, including statements, bills, registration papers and licence renewals
- Secure your computer and mobile devices using security software and strong passwords
- Be cautious about requests for personal information either over the internet, phone or in person.
- Keep up to date with the latest and common scams by following www.scamwatch.gov.au
- Keep a list of items carried in your wallet to allow you to quickly notify the police or relevant institutions if your wallet is stolen
- If you haven’t received regular or expected mail, check with the post office to make sure that your mail hasn’t been redirected
- Investigate any un-solicited mail including any bills or cards you didn’t ask for
- Limit the amount of personal information you post on social media sites as well as ensuring your privacy settings are maintained
If you think someone has stolen your identity, or your personal information has been compromised you should follow the following steps to minimise any financial or other damages.
- Report the matter to police immediately, including obtaining a copy of the police report, or a reference number to quote organisations or businesses that you may need to discuss your stolen identity with. Police may also ask you to report the matter via Australian Cyber Crime Reporting Network (ACORN). ACORN isn’t an investigative service , but a referral and reporting service for Police. If further action is required from an ACORN report it would be referred to the relevant law enforcement agency who may contact you
- Contact People's Choice Credit Union immediately on 13 11 82
- Report the loss or theft of identity credentials to any organisation that may be affected
- Request a copy of your credit report to determine to determine if any un-authorised credit applications have been made using your stolen details
- Immediately change all passwords on your accounts and close all un-authorised, fraudulent or breached accounts
Additional information and support in relation to Identity theft can be found at the following sites;