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Identity theft can happen anytime of the year, but the coming weeks are perilous for taxpayers.

That’s because employers, banks, brokerage firms and others mail out those year-end documents consumers need to file their tax returns, providing identity thieves with a once-a-year opportunity to easily get a hold of choice personal data. Those W-2s, 1099 forms, retirement fund statements and other paperwork provide a treasure trove of sensitive information—including Social Security numbers—for identity thieves who follow postal carriers to pilfer the easily identified “Important Tax Information” envelopes after they’re delivered.

Some thieves swipe this mail, copy the vital information, and then re-deliver it to its destined mailbox a day or two later, leaving victims none the wiser. Then they may file for a bogus refund claim in an individual’s name (before he or she files a tax return), apply for credit accounts and loans in his or her name, or sell the identity details on the Black Market.

Installing a commercially available locked mailbox is great defense, but with the clock ticking, here are some additional steps you can take to protect against the theft of this sensitive paperwork:

 

  • You can rent a P.O. Box at a U.S. Post Office for sensitive mail. The USPS does background checks on its employees and uses surveillance equipment. That may not be the case at commercial stores with mailboxes.
  • For a free alternative, you can request that your mail be held at the post office, with photo identification required for pick-up. The USPS provides this form, used for vacation mail holds and available at post offices.
  • You can keep notes of when expected tax forms arrive. If the forms seem delayed, you can call the sender to find out why. If mail theft is suspected, you should immediately contact your local office of the Postal Inspector’s Office.
  • After filing their tax returns, you can check the status of their IRS refunds here. The agency says most refunds are processed within 21 days after receiving a return. You can also consider checking with state and local tax agencies, which may take longer to issue refunds.
  • You should check your credit reports at annualcreditreport.com in March or April—and again a few months later—to ensure no fraudulent accounts have been opened in your name. Under federal law, every American is entitled to three free reports per 12-month period at that website or by calling 1-877-322-8228. It’s generally advised to get one from each of the three major credit reporting bureaus.
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Valdosta Insurance Services, Inc.
812 Northwood Park Drive l Post Office Box 2070
Valdosta, GA 31604-2070 l 
Phone: (229) 242-4560 l Phone: (888) 242-4560 l Fax: (229) 242-4561 
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