Defend Your Dollars is the website of the Consumers Union Financial Services Campaign, where we support reforms to the financial marketplace to curb bad practices by banks and lenders.
A security freeze lets you stop identity thieves from opening new accounts in your name. The freeze stops new potential creditors from seeing your consumer credit report and credit score. When you want to use your own credit record, you open your file with a PIN. Check to see if your state has a security freeze law and learn how to use it.
Individuals need to know when there is a breach to the security of their sensitive personal information such as a Social Security number, government identification number, payment card information, or account number which provides access to finances or to financial information. With notice consumers can take the necessary steps to prevent or detect identity theft. Consumers Union supports laws that require consumers be notified of a breach when it occurs. This requirement creates incentive for both companies and government agencies to work to prevent future security breaches.
Prevent the most costly and difficult to detect form of identity theft ― false new accounts opened in your name. Find out if your state offers stronger protection from identity theft.
The widespread use, sale, purchase, display and solicitation of social security numbers makes consumers significantly more vulnerable to identity theft. Consumers Union provides recommendations for policy improvements to mitigate the risks created by widespread use and trade in consumers' SSNs.
If you have been a victim of identity theft, your story can help us as we work to enact stronger safeguards to protect consumers. Please share your story.
We want to hear from you. Your willingness to share your stories helps us pass laws to protect you and your family.Read stories from individuals who have shared their stories, like:
Martha, San Martin, CA
For Martha, a letter regarding her new credit card marked the beginning of three troublesome years dealing with the damage caused by identity theft. The letter surprised Martha – she had never applied for one.
Online, by mail, phone or fax... Agencies need to hear from you!