It's really too bad that we even have a page related to identity theft on this Web site. But identity theft is a growing problem and I have seen it arise after running credit reports during consultations. Be smart and conscientious in the way that you manage your personal business and you should be alright. However, if you are careless with your personal information you could be the next victim of identity theft.

The following are good tips and safety precautions to take when conducting personal business and resources to turn to when your good name has been used in unlawful ways. This general information is NOT intended to offer legal advice. If need be, consult an attorney for professional services.

Keep Your Personal Information Secure

Consumer organizations recommend that you do the following:

* Don't carry your Social Security card or other items that have it written down in your wallet.

* Protect your bank and credit card account numbers and any PINs that are associated with them.

* Don't use internet based home loan and finance companies. It's an unnecessary risk to have your personal information stored on internet company Web servers where unlawful access can be attained. (We never store your personal files on a Web server. We conduct business in a responsible manner. Click here to see our privacy policy.)

* Be sure to tear up or shred papers with personal information. Tear up unused credit card offers.

* Check your bills each month for accuracy and unauthorized charges.

* Check your credit report at least once a year. Consumers can now get one free credit report a year from each of the three national credit bureaus: Equifax, Experian and Trans Union. Call 877-322-8228 or log on to www.annualcreditreport.com to find out how.

Important Resources to Help You

If you believe you have become a victim of identity theft, the following consumer organizations and government agencies can get you headed in the right direction to restore your good name.

Credit Bureaus
Equifax -- www.equifax.com, Experian -- www.experian.com, TransUnion -- www.transunion.com

California Department of Motor Vehicles
Contact the DMV if you believe your driver's license number has been misused -- www.dmv.ca.gov

Privacy Rights Clearinghouse -- www.privacyrights.org

California Office of Privacy Protection -- www.privacy.ca.gov

Identity Theft Resource Center -- www.idtheftcenter.org

Social Security Administration -- www.ssa.gov

Federal Trade Commission -- www.consumer.gov/idtheft 
                   En español -- www.consumer.gov/idtheft/espanol.html

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