How to keep you identity—or get it back
Lisa Dewsberry
It’s that time of the school year again—the end. Parties following the stress of exams; but don’t let the party be overshadowed by theft. Having your identity stolen is as easy as leaving your purse near the door. And if this should happen, what do you do? When it happened to me, I was more worried about someone using my credit cards or my ID than I was about the cash. Worst of all, if I hadn’t been living at home, I wouldn’t have known the steps for ensuring that the theft of my purse would not result in the theft of my identity.
The first thing I learned was that I should never have been carrying my social insurance card. If you have one, memorize the number and lock it away in a safe place because you will rarely—if ever—need to have your actual card. In addition, you should scan the front and back of all your cards because when you report it stolen (which you have to if you want to prove that the 1500 dollar purchase is not a television in your house) the officer will ask for the numbers of all credit cards, bank access cards, government issued identification (health card), et cetera so they can prove theft if they catch someone with those card numbers. Now, if your wallet is stolen (which in an open-door residence setting is entirely possible), prepare to spend a lot of time on the phone. The first call is the credit card agencies—not the police—because then you can prevent your stolen cards from being used (the phone number will be on the photocopies of the credit cards that you have). Next, call the police (the Thunder Bay non-emergency number is 684-1200), because all you can do for now is report and wait. Be sure to get the case reference number and badge number of the officer you are speaking to, just in case you have follow-up information to give them at another time. The officer will ask you for a detailed list of what was in your wallet or purse. It’s a good idea to write everything down ahead of time and just read it to the officer (ie: TD Canada Trust debit card # 1305 ********). If you’ve missed anything important, the officer will ask you. Be sure to note the time your wallet was stolen as well as the location from which it was taken. After you’ve spoken to police, call major credit agencies like Equifax and Transunion so that anyone applying for a line of credit with your identification (including you in the future, unfortunately) will be flagged and will have to prove their identity. And finally, arrives the most daunting task of all: replacing all your stolen items. When you call your credit card agency, they will cancel you current number and send a new card immediately that will take 7-10 business days to arrive at your house. For access cards, you can go to your bank where they will replace it for you so long as you have identification (time to bring out the passport you keep at home except when travelling). Health cards and driver’s licences can be done at Ontario Ministry of Transportation outlets. There is one in Thunder Bay located on Memorial Ave across from Intercity Mall.
