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Identity Theft

Phishing
You may have recently heard about ‘Phishing’ and have concerns about Identity Theft.

The term ‘phishing’ is from an analogy used by internet scammers who use email lures in an attempt to obtain passwords and financial data from internet users.

Typically, phishing schemes revolve around an apparent urgent email that is designed to trick you into visiting a bogus website and asking you to submit personal, financial and password data. The email often looks genuine, with authentic logos and active links to websites. The site you are asked to submit your account information to is bogus. Often, phishers will direct you to a genuine website, and then pop up a window over the genuine site in order to capture your personal information.

The topics of the urgent emails can range from unclaimed prize money, requesting account confirmation to winning prize money. You are prompted to login to ‘verify your account information’. Often you are warned of consequences if you don’t take immediate action.

Do not respond to such email requests. Do not reply or click on any of the links in the email. London Civic does not send out emails to ask you to provide personal information.

Tips on how to Avoid Phishing Scams

• Do not reply to email requests about your personal information.
• Do not call any phone numbers that may be listed
• Install anti virus software, spyware filters and email filter programs on your computer
• Do not click on any email that may look suspicious. Delete any suspicious looking email

Identity theft may result when responding to a ‘Phishing’ scam.

Tips on How to Avoid Identity Theft
  • Protect your mail. Don’t let someone else pick up your mail. Remove your mail from your mailbox promptly.
  • Don’t give our personal information without knowing how it will be used and whether it will be shared.
  • Use passwords on your credit cards, bank accounts and phone accounts. Avoid obvious passwords like, mothers maiden name, last four digits of your account, street address, sequential numbers or your phone number.
  • Minimize the number and type of ID that you carry with you.
  • Be aware of your billing cycle. Follow up with your service provider if you miss a bill.
  • Tear or shred receipts, copies of credit applications, insurance forms and credit card offers received through the mail.
  • Provide your SIN only when absolutely necessary.
  • Don’t carry your SIN card with you.
Signs of Identity Theft
  • You receive credit card statements or bills in the mail that you never apllied for.
  • A lender advises you that you have been approved/declined for credit that you never applied for.
  • Your credit card bill or other statements no longer arrive in the mail when expected.
  • A collection agency contacts you to advise you they are collecting on a default account, that is in your name, for an account that you didn’t apply for.

What if you are a Victim of Identity Theft

There are several important step you should take if you believe you have become
a victim of Identity Theft.

  • Report your suspicions to the police immediately. Ask for a copy of the police report that you can provide as proof of the theft to the organization that you will have to contact.
  • Contact PhoneBusters. PhoneBusters is a national anti-fraud call centre jointly operated by the OPP and the RCMP. They can be reached at:
    Toll free: 1-800-495-8501
    Fax: 705-494-4008
    Toll free fax: 1-888-654-9426
    Email: info@phonebusters.com
  • Complete the Identity Theft Statement available from the PhoneBusters web site. The Identity Theft Statement helps you in notifying financial institutions, credit card issuers and other companies where the identity theft occurred and advise them that you did not create the debit or charges and give them the information so they can begin to investigate.
  • Contact the fraud departments of the two major credit bureaus
    Equifax Canada: 1-800-465-7166
    TransUnion Canada: 877-525-3823
  • Have a Fraud Alert notation added to your credit report to reflect identity theft.
  • Cancel your credit cards and get new ones issued.
  • Close your bank accounts and open new ones. Use new passwords
  • In case of passport theft, advise the Passport Office
  • If you believe your mail has been diverted, then contact Canada Post
  • If you believe someone is using your SIN, contact
    Human Resources Development Canada at:
    Social Insurance Registration
    P.O. Box 7000
    Bathurst New Brunswick
    E2A 4T1
    Email:
    sin-nas@hrdc-drhc.gc.ca