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Identity Theft - Cross Cut Paper Shredder
Despite constant media about how to protect yourself, this topped the complaint category. One reason is that many consumers do not know where the real threat comes from — your real risk is offline, not online. So, get a locked mailbox. Shred all paper containing personal information using a crosscutting shredder, not a regular linear shredder because people will actually put the pieces back together.
Never reply to e-mails asking for personal information or provide information if contacted by phone. Instead, go directly to the company's Web site or hang up and call back the company. Never enter personal information into a pop-up screen. Legitimate companies don't ask for your information via pop-up screens.
Periodically monitor your credit report so you know if someone is trying to take out credit in your name. Order a free copy every four months at annualcreditreport.com. Finally, cherish your Social Security number. Don't carry it in your wallet, and give it out as seldom as possible.
Internet Auctions
Since becoming popular on the Web, auctions have topped complaint lists. The disputes generally involve late shipments, no shipments or delivery of lower-quality products than advertised. They also report bogus online payment or escrow services, and fraudulent dealers who lure you from legitimate sites with deceitful deals. How do you steer clear? Since you never actually meet the seller, become familiar with the auction site. Find out if it provides free insurance or guarantees for undelivered items. Check sellers' feedback ratings. Finally, use credit cards, which offer protection if the item is not delivered or is not what you ordered.
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