Hawaii Identity Theft

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There are five areas of identity theft. The first area of your identity is your driver's license identity. The second, your social security identity. The third, your medical identity. The fourth, your character or criminal identity, and the fifth area of identity theft is your financial identity.

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Identity Theft is the fastest growing crime. If you suspect your are a victim of identity theft here are some helpful suggestions to safeguard your information. Under Federal Law your maximum liability is $50.00 for any unauthorized use of your credit card. If you report the loss immediately the (FCBA)Fair Credit Billing Act indicates that the credit card issuer cannot hold you responsible for the unauthorized charges.

1. Do not carry your social security card in your wallet.

2. Draw a line through blank spaces on debit or charge slips above the total so the amount can't be changed.

3. Tear up carbon slip and save all receipts so you can check against your monthly statements.

4. Report all discrepancies as soon as possible. Under the Fair Credit Reporting Act (FCRA) the card issuer must investigate any errors reported to them within 60 days from the date of your last statement.

5. Keep a records of all of your credit card accounts, telephone numbers of the creditors, expiration dates so you can quickly report a loss.

6. Carry only a few credit cards at a time.

7. Check with your homeowners insurance policy to see if they carry identity theft insurance.

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