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If your ATM card has been lost, stolen or otherwise compromised, cancel the card and get another with a new PIN.

If an identity thief established new phone service in your name and is making long-distance calls, making unauthorized calls that appear to come from - and are billed to - your cellular phone, or using your calling card and PIN, contact your service provider immediately to cancel your account and calling card. If it appears that someone is using your Social Security number when applying for a job, get in touch with the Social Security Administration to verify the accuracy of your reported earnings and that your name is reported correctly.

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Maybe you never charged those items, but someone else did...someone who used your name and personal information to commit fraud.

If an identity thief has stolen your mail for access to new credit cards, bank and credit card statements, pre-approved credit offers and tax information or falsified change-of-address forms, (s)he has committed a crime. If you discover that an identity thief has changed the billing address on an existing credit card account, close the account.

When you open a new account, ask that a password be used before any inquiries or changes can be made on the account.

Identity Thefts Brochure Although identity thieves can wreak havoc on your personal finances, there are some things you can do to take control of the situation.

Here's how to handle some of the most common forms of identity theft.

Call (800) 772-1213 to check your Personal Earnings and Benefit Estimate.

If you suspect that your name or Social Security number is being used by an identity thief to get a driver's license, contact your Department of Motor Vehicles. For more information about identity theft, check out the federal government's Federal Trade Commission (FTC) central website on identity theft. The Justice Department, which prosecutes federal fraud cases, and its Federal Bureau of Investigation, which investigates suspected ID thefts, have posted useful information on the Internet.

To thwart an identity thief who may pick through your trash to capture your personal information, tear or shred your charge receipts, copies of credit applications, insurance forms, bank checks and statements, expired charge cards, and credit offers you get in the mail.

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