Identity theft happens when someone uses your personal information—such as your name, address, Social Security number, credit card details, or passwords—without your consent to commit fraud.

Here’s how to reduce your risk:

• Common Identity Theft Tactics & How to Avoid Them
• Email Fraud (Phishing): Fraudsters send emails that appear to be from banks, credit card companies, or trusted organizations, asking you to “verify” personal details. Never respond or click on links in unsolicited emails.
• Phone Scams (Vishing): Scammers call pretending to be from your bank, asking for personal or financial information. If you didn’t initiate the call, hang up and contact your bank directly.
• Payment Fraud: Criminals may steal your credit card, debit card, or check details to make unauthorized purchases. Monitor your transactions and report suspicious activity immediately.
• Mail Fraud: Personal documents containing financial details (such as bank statements and credit card bills) can be stolen from your mailbox or trash. Shred sensitive documents before disposal and opt for electronic statements when possible.

If you suspect identity theft, take action immediately to limit potential damage.