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There’s no guarantee that you’ll never fall victim to identity theft, but there are some simple steps you can take to protect yourself from it.

1. Destroy personal records and statements. Tear up or shred credit card statements, solicitations and other documents that contain private financial information.

2. Secure your mail. Empty your mailbox right away every day. You may also want to get a locking mail box or a P.O. box. This way, criminals don’t have a chance to steal credit card applications. Avoid mailing outgoing bill payments and checks from home. They can be stolen from your mailbox. Instead, mail them from the post office or another secure location.

3. Protect your Social Security number. Never carry your card with you, or any other card that may have your number, like a health insurance card. It's the primary target for identity thieves because it gives them access to your credit report and bank accounts.

4. Don’t divulge your personal information. Ask salespeople and others if information such as a Social Security or driver’s license number is absolutely necessary. Often times it is not.

5. Monitor your credit report. Obtain and thoroughly review your credit report at least once a year to look for suspicious activity. If you spot something, alert your card company or the creditor immediately

6. Review your credit card statements carefully. Make sure you recognize the merchants, locations and purchases listed before paying the bill. If you don't need or use department-store or bank-issued credit cards, consider closing the accounts.

Check back again soon for more helpful tips! And don't forget to check out www.HomeBenefitIQ.com with user ID: bride and password: groom.

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