Knowledge is the first line of defense against identity theft. Take the extra steps to protect yourself during deployment. Here are a few ways you can minimize your risk of identity theft while you're deployed:
Identity theft is a reality for many people, so make sure you educate and protect yourself. Don't think, "It can't happen to me," because it can. It could be as simple as the wrong person getting ahold of your personal information — Social Security number, credit card number, address, date of birth, etc. — and using it without your knowledge or permission.
Identity theft can seriously impact your finances and credit rating, affect your ability to open new accounts, and cost you time and money. When you are called to active duty or deployed you may be at greater risk, so consider taking a few extra steps to protect your personal information.
Visit Military OneSource to access free financial counseling, and the Federal Trade Commission to learn more about how military personnel can protect themselves from identity theft.
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Active duty alert
An active duty alert requires businesses to verify your identity before issuing credit in your name. The alert also:
- Remains in place for one year, but can be removed sooner, or extended, if necessary
- Allows you to designate a personal representative, such as your spouse or another trusted person, who can handle financial business on your behalf
- Reduces the number of pre-approved credit card and insurance offers you receive for two years
To file an active duty alert:
- Contact one of the three credit bureaus (Equifax, TransUnion or Experian) and ask to place an active duty alert on your credit file. The bureau you call will contact the others for you.
- Be prepared to provide proof of your identity, such as a military ID, driver's license, birth certificate or passport.
Security freeze
Know
your rights and find out what to do next if your identity is compromised.
A security freeze means that your credit file can't be shared with anyone, such as potential creditors or insurance companies, without your permission. This measure also keeps businesses from opening new accounts in your name. To place a security freeze on your credit file:
- Contact your state's office of the attorney general. Tell them you're a military member and what you want to do. There might be a cost for the service, so be sure to ask.
- Contact all three credit-reporting agencies. Ask each bureau to put a freeze on your credit file. Remember, for this security measure you must call each credit agency.
You can temporarily lift, or remove, a security freeze at any time.
Preventative practices
In addition to requesting an active duty alert or a security freeze on your credit file, get into the habit of shredding any paperwork that contains your private information. To reduce the chance of your personal information falling into the wrong hands, don't send your account numbers, or other sensitive information, through email.
Protect your finances before you deploy by scheduling free financial counseling through Military OneSource. You can also get helpful information, and free credit scores, from financial counselors at the Personal Financial Management program.