Identity Theft

Identity theft has become a major concern, and the City of Chanhassen encourages citizens to remain alert to activity linked to this crime. Identity theft occurs when someone uses your personal information to commit a crime. The most common identity theft cases involve theft and/or fraud of credit cards or checks/bank accounts. More complex cases can involve thieves using the personal information of victims to open new credit card accounts or loans.

Protecting your personal information is not always within your control. However, the more you know how to protect your identity, the more difficult it becomes for an identity thief to target your personal information.
  • Beware of "phishing" scams. Scam artists "phish" for victims by pretending to be banks, stores, or government agencies such as the IRS or law enforcement. They do this over the phone, in emails/texts, and the U.S. mail. Don't give out your personal information. Don't respond to a request to verify your account or password. Legitimate companies do not request this kind of information in this way.
  • Never e-mail your financial information. E-mail is not a secure method of transmitting financial information like your credit card, checking account, or Social Security Number.
  • Keep a list of all your credit card and bank accounts in a secure place so you can quickly contact the issuers about missing or stolen cards.
  • Never carry your Social Security Number (SSN) in your wallet; always store it in a secure place. Give your SSN only when absolutely necessary.
  • Never leave a purse, wallet or checkbook unattended, especially in a vehicle.
  • Limit the number of credit cards you carry. Close out any accounts that you do not use.
  • When ordering checks, pick them up at the bank instead of having them mailed to you.
  • Do not print your driver's license or phone number on your checks.
  • Shred personal documents that you are discarding, including unsolicited mail such as pre-approved loans and credit cards.
  • Review your credit history regularly. You can obtain a free credit report once a year:
    • Log onto the website; or
    • Call 1-877-322-8228; or
    • Write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

Minnesota Identity Theft Freeze Law

This law gives Minnesota residents more control over their credit records that are maintained by the Credit Bureaus. For a $5 fee, a citizen can place a freeze on their credit report. This freeze will help to prevent identity thieves from obtaining new credit under the consumer's name. A fee of $5 is charged to release the freeze.

Identity Theft Victim - Personal Recovery Plan Assistance:

Federal Trade Commission