Be Alert for Identity Theft

It can happen to anyone. Someone steals your identity and it takes months before you even realize it. And by then, the damage to your reputation can be hard to repair.

The best defence against identity theft is to be on the lookout for warning signs that someone may be using your personal information without your knowledge. The following list, provided by Aviva Canada, provides some simple things to watch for that might indicate you’re a victim of identity theft.

You are not receiving your bills, bank statements, and other mail. Follow up with creditors if your bills do not arrive on time, and be sure that they have your correct address
You receive credit cards that you never applied for
You are denied credit or are offered less favourable credit terms, for no apparent reason
You begin getting calls about debts for merchandise or services that you never purchased
Bank and credit card statements show unauthorized transactions
Your credit report shows accounts and/or debts that do not belong to you

Be alert for these danger signs. If one or more of these things happens to you, immediately alert the bank, credit card companies and any other organization that has aroused your suspicions that you're a victim of identity theft. You should also contact credit reporting organizations to alert them to the fact that you're a victim of identity theft and unauthorized applications for credit may be made in your name. The largest of these organizations is Equifax, 1-800-465-7166. Additional information and options for contacting them can be found on the Equifax Canada web site.

There is also one thing you can do in advance to protect yourself from the costs associated with restoring your identity in claims from fraud or identity theft. Aviva Canada, offers members of Union Savings affiliated labour organizations coverage that includes lost wages from time spent away from work due to meetings with law enforcement agencies, legal counsel, or credit agencies. Access to a credit card registry and a legal help line are also included in the coverage. Ask for more details of identity theft insurance when you obtain a quote for home or auto insurance from Aviva Traders - or phone 1-877-787-7021.