Protect Your Personal Information

A few simple steps can go a long way. For example, shred sensitive documents instead of simply throwing them away. Also, be absolutely sure you know who you're dealing with before giving any personal or financial information. OnGuard Online, a site created by the U.S. Federal Trade Commission (FTC), offers additional information on preventing identity theft.

Avoid Using Your Social Security Number

Ask companies and government agencies you do business with if you can create an alternate customer identifier. Fidelity customers can create a Fidelity Customer ID to use instead of a Social Security number when accessing their account information.

Monitor Your Financial Statements

Promptly read any account or credit card statements or correspondence when they arrive. Make sure there are no changes or transactions you did not initiate. If a bill arrives unusually late or not at all, call the company.

Also, be sure to monitor your credit for inaccuracies. As of September 1, 2005, all US residents are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies: Equifax, Experian and TransUnion. You can request your report at AnnualCreditReport.com.

Know the Warning Signs of Identity Theft

Identity theft warning signs include:

• Seeing unauthorized charges or withdrawals
• Not receiving renewed credit cards, bills, or other mail
• Receiving credit cards for which you did not apply
• Notices for changes you did not initiate
• Denial of credit for no apparent reason
• Calls or letters about items or services you didn't buy

Although it could be a simple error, never assume a mistake has been made that will automatically be corrected. Follow up with the business or institution.

Act Quickly If You Suspect Identity Theft

If you suspect that your personal information has been used wrongfully, immediately:

• Review your credit reports
• Place a fraud alert on your accounts
• Close any accounts opened or used fraudulently
• File a report with the police
• File a complaint with the Federal Trade Commission
• Call 1-800-FIDELITY to start the process of securing your Fidelity accounts.