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We're coming up on the busiest shopping days of the year. While you are out trying to score some deals, credit thefts are also working hard to steal and have your ID compromised. Even worse is that today's thief is technologically savvy thanks to the Internet, ID scanners and camera phones, which helps them to steal credit card numbers and build a personal profile on an individual.

Six Tips to Protect Your Credit During Holiday Shopping

Momtrends recently learned some tips to help protect your data and your family.

  1. Before you leave your house, take out the credit cards that you know you will not be using. This will also cut down on temptation of shopping beyond your set gift list for the day.
  2. Keep the front and back information on your card, so you have contact information quickly in case your card is stolen. Keep this in a safe place in your home. I scan my cared and keep a copy in personal files.
  3. Do not carry your social security card with you. That number is vital in opening new credit accounts.
  4. Watch where you leave your card when you shop and don't leave it on a counter with people around.
  5. Keep your receipts in your purse or wallet, not in the bag. This will make it easier to track your merchandise spending and help you to stay within your budget.
  6. If your merchandise bag is stolen, quickly go back to the store to report your robbery. The thief might have a harder time returning the merchandise without a receipt & perhaps a quick thinking salesperson may be able to identify them.

Credit Bureau Information

If you think you are a victim of theft, contact the three credit bureaus immediately.

Equifax fraud division
800-525-6285
P.O. Box 740250
Atlanta, GA 30374
www.fraudalerts.equifax.com

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Experian fraud division
888-397-3742
P.O. Box 1017
Allen, TX 75013
www.experian.com/fraud

Trans Union fraud division
800-680-7289
P.O. Box 6790
Fullerton, CA 92634
www.transunion.com

  • First step: Contact your creditors directly and ask to speak to someone in the security department. Freeze the existing account.
  • Next step:Contact local law enforcement and get a police report. This will serve as documentation that a crime has occurred.

MORE MONEY SMART FEATURES FROM MOMTRENDS

  1. The Easy Way to Save for College
  2. 5 Money Smart Ideas for Moms
  3. Saving money tips for kids

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