4 Practical Identity Theft Prevention Tips

Did you know that it's just asking for trouble to use a debit card when shopping on the Internet? Yes, credit cards are often figure in identity theft horror stories, but they still offer better protection from thieves than the alternative (e.g. checks or debit cards).

Not only will you be able to monitor charges, under the federal law governing credit cards, you can also dispute the charges on your bill. And you don't have to be liable if you've been victimized.

So take this identity theft prevention tip to heart: Using a check or debit card will just leave you open to bank fraud. It gives the thief the opportunity to empty out your bank account before you even realize what hit you.

Identity Theft Prevention Tip #2: Don't Write It Down!

No matter what the teller or credit officer says, do not write down your credit card number on your check. The practice violates the law in lots of states because it opens you up to fraud.

In California, for example, the practice violates Civil Code Section 1725. Check your state government or state legislature websites for details.

Identity Theft Prevention Tip #3: Pick Up the Receipt!

You may be too harassed or laden with purchases to want to bother picking up you credit card receipts. But leaving them where a wily thief can get them leaves you open to attack.

And if you're in the habit of picking them up but then tossing them in the nearest trash bin, you'd better change this unwise habit as well. Dumpster diving is a common practice of identity thieves.

Also, here's another identity theft prevention tip: The safest place for your receipt is your wallet, NOT your shopping bag! Shoppers are constantly at risk of having their purchases grabbed away from them. So beware.

Identity Theft Prevention Tip #4: Watch for Skimmers!

For a final identity theft prevention tip, keep your credit card in sight. Here's why: A dishonest store or restaurant employee can use a skimmer (a small handheld gadget to swipe a card to get the account info) on your credit card's magnetic stripe.

The data can later be downloaded into a PC and used for online shopping or to make credit card counterfeits. So stop a thief in his tracks by following the store clerk or getting up from the table to observe how your card is used. The minor inconvenience can save you a world of trouble and regret.