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Protecting Your Credit

Wednesday, October 25, 2017
by Tucker Robbins

The Equifax information hack has many Americans afraid of identity theft, and rightly so. Thankfully, there are several measures everyone can take to protect their credit.  

 

  • 1. First and foremost, find out if your information was compromised here: https://www.equifaxsecurity2017.com/potential-impact/ 

  • 2. Phone lines at Equifax have been flooded with calls, so an online approach is more convenient for now.  

  • 3. Sign up for the free credit monitoring Equifax offers, but don't let that make you unaware of your credit reports. Check them as often as possible, and dispute errors.  

  • 4. Setting up a fraud alert with Equifax, as well as TransUnion and Experian, is another important step.  

  • 5. If you feel compelled, freeze credit reports at all three agencies. A fee is involved, and varies by state. Find more information here:  http://consumersunion.org/research/consumers-unions-guide-to-security-freeze-protection-2/     

  • 6. Married couples need to make sure both spouses have taken steps to protect their information. 

  • 7. File your 2017 taxes as soon as possible in 2018. If someone has your credit information, they can file a false return for a refund.  

  • 8. If you have family members that haven't checked their reports, especially the elderly, offer to help them.  

 

Even though 143 million people were affected by the hack, many will not bother to check their credit reports. If you're not proactive in protecting your credit information, it may cause major problems down the road.  

 

Courtesy of New Castle County DE Realtors Tucker Robbins and Carol Arnott Robbins. 

 

Photo credit: www.pymnts.com

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How to Prevent Identity Theft During Tax Season

Sunday, March 29, 2015
by Tucker Robbins

It's the time of year when Americans gather their financial documents and anxiously await news of a tax refund or debt. While many hope to get money back, Time Magazine recently reported that the IRS paid an estimated $5 billion plus in false tax refunds in 2013, and according to Bloomberg Business that number could potentially grow to $21 billion by 2017.

tax time"Technology has changed the way we live, offering consumers more convenient ways to take care of common activities like filing taxes," says Jean Vernor, senior vice president at MetLife. "However, taxpayers should be aware that these technological advances have also made it easier for criminals to commit identity theft. Consumers need to be aware of how and where they divulge personal information and take steps to monitor the data that must be shared."

Identity thieves commonly use a person's real Social Security number to claim fraudulent wages and file taxes, accepting that individual's deserved refund. Taxpayers bear responsibility for accuracy of submitted tax returns, regardless of whether the return was prepared by an individual taxpayer or a tax preparer. Unfortunately for many, this means spending a lot of time and money to rectify the situation and minimize the long-term effects caused by identity theft.

Avoid the scams

Criminals use an array of tactics to steal personal information and file a false tax return. Know the common scams and take steps to avoid them.

  • Phone scams: The IRS reports that 2015 has seen a surge in phone scams from criminals impersonating authorities to obtain personal information. Phone scams are often aggressive and may threaten police arrest, deportation and license revocation, among other things, in order to scare victims into handing over information. Do not entertain a conversation with a hostile "IRS representative" and hang up immediately if the call seems suspicious.
  • Phishing: As daily activities continue to move online, cybercriminals are finding ways to take advantage of the Internet. Criminals may send consumers fake emails or to websites that look official, but are really designed to steal personal information. The IRS will not send taxpayers emails about bills, refunds or personal information and following insecure links from these sources may lead to identity theft.
  • Return preparer fraud: The IRS reports that about 60 percent of taxpayers seek assistance when submitting their taxes, but some tax preparers are actually criminals in disguise. Never sign a blank tax form and avoid tax preparers who claim they can deliver a higher refund than others. Choose a well-known tax preparer and ensure that he or she will be available even after the return is filed to answer outstanding questions. (BPT)

Information courtesy of New Castle County Realtor Tucker Robbins, Berkshire Hathaway HomeServices.

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6 Tips for Avoiding Identity Theft When Moving

Thursday, January 29, 2015
by Tucker Robbins

With all the news concerning retailers databases being compromised and resulting in consumer identity theft, you need to be acutely aware of the increase of identity theft during a move and take precautions to prevent your becoming a victim of enterprising criminals. Moving often makes it easier for identity theft to occur: we leave identity theftinformation behind that others can use---mail that is not rerouted to our new address, important papers that aren't shredded but left in the trash, or through hiring rogue movers. The following steps are essential to ensure your protection:

  • If you are using a moving company, be sure that you know it is a trusted and reliable firm.  Sometimes simply getting recommendations from friends, family members, and real estate agents is not enough.
     
  • Make a change of address checklist.  Before you move, make sure you take the time to list all companies, institutions, and subscriptions that you receive through the postal system. Click here for a list of those you should include.  Personally notify all financial institutions of your plans to leave your home.  One of the easiest ways that someone can obtain your personal identity is through mail theft.
     
  • Submit a change of address form to the U.S. Post Office.  Once your form has been filed, double-check the confirmation from the Postal Service to make sure that they list your new address correctly. Your mail should start being delivered to your new residence within seven to 10 business days after you submit a change-of-address filing.  Ask a current neighbor to take in any mail that comes to your old address after you move.
     
  • Although moving is a good time to discard unwanted personal files, records, and documents, don’t just throw them away; shred them!
     
  • Make sure your technological “toys”---computers, cell phones, tablets, and the like—are secured by passwords and packed in unmarked boxes.  Better yet, take the computers, hard drives, and other external storage devices with you when you travel to your new home.
     
  • Stay in your current home as much as you can while movers are there.

Information courtesy of New Castle County Realtor Tucker Robbins.

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Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)
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