One Simple Step to Protect Your Family from Identity Theft
Well, it’s actually two things. 1. Buy a paper shredder. 2. Shred your mail or any document with personal information. Before recycling, most paper went in the black bags and disposed of in a local dump. One might think that the odds of someone breaking into the dump and going through bags to find the identity of people would be slim to none.
Regardless of the actual risk of your identity sitting in a city dump, these days recycled paper ends up at a recycling facility. Blue bags or bins are emptied out onto a conveyor belt and sorted by workers. Now, think of how easy it would be for one of these workers to spot a piece of mail or document with someone’s full name and address on it. It would only take a second to slip that paper into their pocket. There begins the paper trail of your identity, or the identity of a family member, being stolen.
In reality, the paper trail starts at home. And let’s be clear, neither discarding personal documents in a black bag or blue bag is safe.
Identity Theft Not Just From Data Breaches
When most people think of identity theft, they think of data breaches. This is when hackers infiltrate large corporations and steal the personal information of thousands, or even millions, of people at once. That stolen data is then sold on the dark web to identity thieves. They use it to open credit cards, take out loans, or file fraudulent tax returns in your name. It’s a very real threat, and the scale of it can feel overwhelming and out of your control.
But not all identity theft is orchestrated by sophisticated cybercriminals operating from across the globe. Sometimes the threat is much closer to home.
Your Neighbor’s Recycling Bin Could Be a Goldmine for Thieves
Local identity theft is more common than most people realize. A discarded bank statement, a pre-approved credit card offer, or an explanation of benefits from your insurance company contains enough information for someone to do serious damage.
Unlike a data breach that requires technical expertise, stealing from a recycling bin or a trash bag requires nothing more than opportunity. It can happen on your street, in your neighborhood, or at a local facility. It could even be carried out by someone you may even recognize.
A shredder eliminates that opportunity entirely. For less than the cost of a dinner out, you can make your personal documents completely worthless to anyone who might find them. Remember, children and teens are also at risk of having their identity stolen.
What Documents Should You Be Shredding?
Most people know they should shred obvious things like bank statements and tax returns, but the list of documents that can put you at risk is longer than you might think. A pre-approved credit card offer that arrives in the mail has enough information on it for a thief to activate the card on your behalf.
An explanation of benefits from your health insurance company contains your policy number and personal details. Even a simple piece of junk mail addressed to you confirms your full name and address, which is often all someone needs to start piecing together your identity.
Here is a general rule of thumb: if a document has your name and address on it, shred it. If it has any account numbers, policy numbers, or financial information, shred it without question. When in doubt, run it through the shredder. The few seconds it takes is a small price to pay for the peace of mind it provides.
Don’t Forget About Your Family Members
This is where many people drop the ball. You might be diligent about shredding your own documents, but what about the mail that arrives for your spouse, your children, or an elderly parent who lives with you?
Identity thieves do not discriminate by age. In fact, children and seniors are often targeted precisely because their credit histories are either clean or rarely monitored. A child’s Social Security number can be used for years before anyone notices, and by the time they apply for their first credit card or student loan, the damage is already done. Make shredding a household habit, not just a personal one.








