Home / Categories / Avoiding a Moving Scam / How to Protect Yourself from Identity Theft When Moving

How to Protect Yourself from Identity Theft When Moving

July 25th, 2016 - 3:46 PM

Identity theft protection during a move

Millions of Americans relocate each year for personal reasons or to pursue new careers. And while it’s an exciting time, it’s also a busy process that can leave many people unaware of identity theft risks. Identity theft is when someone purposefully steals a person’s name, social security number or credit card number to obtain financial gain and other benefits. If fraud is committed and not reported quickly, the victim’s credit score could suffer. It’s important to learn about fraud protection when moving to protect yourself and your belongings.

fraud protection

Moving is hectic enough without having to worry about whether or not someone’s going to steal your identity or items. The best protection is to be well-informed, report any fraud and use a trustworthy moving service.

How to protect yourself from identity theft

  1. Research your options

Finding a reputable moving company upfront can be a time-consuming task, but it’s a crucial one. While it’s easy to quickly find moving companies online, you should always be aware of the sites you’re visiting. Practically anyone can build a website that seems legit, so it’s important to do a little background research before choosing a mover. Ask these questions when considering a moving service:

  • Do they have a U.S. Department of Transportation (DOT) number and Motor Carrier (MC) number located on their site?
  • Are they licensed by the Federal Motor Carrier Safety Administration (FMCSA)?
  • Are they Better Business Bureau (BBB) approved?
  • Are there any online recommendations or customer reviews?
  • Are your family and friends familiar with the company?

If you have trouble answering more than one or two of those questions, proceed with caution. Try another way to determine whether or not a moving service is reliable by using the FMCSA Safety and Fitness Electronic Records (SAFER) system. This system allows users to enter a DOT number, MC number or the company’s name to determine if it’s real or fake.

  1. Ask about payment method

Stay away from companies that only accept cash as payment. Cash receipts are easily misplaced or thrown away – leaving no proof you paid the large amount. It’s best to pay with a major credit card, money order or a cashier’s check so you always have a record. Companies that ask for large deposits before the move even begins should catch your attention, too.  

  1. Create an inventory list

Not all moving scammers want your identity; some just want your stuff. Before the packers and loaders arrive, make a detailed list of all the items being moved. By creating a list you’ll know if you’re missing anything while unpacking. Don’t pack expensive jewelry, medications or important documents. Keep these items with you during the move, preferably in a locked safe that travels with you rather than in the moving truck.

  1. Shred important documents

Moving is a good time to sort through forms and official papers (birth certificates, passports, wills, tax returns, financial statements, medical records, etc.). You’ll probably want to get rid of any that are old or out-of-date. But don’t throw away documents in a trashcan or outside dumpster! Instead, shred all unnecessary forms to help with identity theft protection. Remember to keep the sensitive ones locked up safely.

  1. Secure digital information

Most people probably don’t think about identity thieves stealing information from their electronic devices, but it happens more than you may think. As more personal information is stored on hard-drives and the internet, it’s easy for scammers to gain access through unsecured connections (like Wi-Fi you may use at hotels or restaurants while traveling). Be careful about the types of websites you’re logging in to on these connections – if you can wait to access your bank account, you probably want to take that extra precaution.  A few days before moving, safeguard all computers, tablets and cell phones. Create strong passwords and make them different for each device. If possible, store them separately from the other boxes, or preferably, keep them with you throughout the move.

  1. Notify relevant businesses

Seven to 10 days prior to move day, notify businesses of your address change. Official records or financial statements mailed to the wrong address may increase fraud risks. Be sure to contact the U.S. Postal Service first, but other companies to contact include:

  • Banks
  • Credit card companies
  • Insurance companies
  • Healthcare providers
  • Utilities
  • Attorneys
  1. Pay attention to financial statements

During the moving process you’ll likely be swiping your card a lot for things like food, packing supplies, hotel stays, etc. and you may not keep a close track on every purchase through your bank or credit card statements. This could allow scammers who’ve obtained your information to steal money and go unnoticed. If there’s any suspicious activity, immediately contact your financial institutions and also freeze your credit by contacting all three of the credit reporting bureaus (Experian®, TransUnion®, and Equifax®). Continue to regularly check accounts in the months following a move for charges that shouldn’t be there.

  1. Read your moving agreement carefully

The moving company you’ve hired should provide an official contract or service agreement (also call a Bill of Lading). If they don’t, cancel immediately. If they do, read through the entire document before signing it. Ask about anything that you didn’t agree to or about any blank spots on the form.

  1. Supervise the entire move

If possible, be present for the entire move. You’ll feel better knowing you were there to watch everything being loaded into the truck if you aren’t handling your belongings yourself.

  1. Look for other red flags

A red flag is anything that appears suspicious or makes you feel uneasy. Here are a few that stand out and can help with identity theft protection:

  • The company doesn’t provide a written quote/estimate via email, mail or in person
  • The company doesn’t provide a contract
  • The company requires a large deposit or full payment upfront
  • The company offers prices drastically lower than competitors
  • The company shows up with unmarked trucks and no identification

Learn more about protecting yourself from fraud and red flags to be aware of on the FMCSA site.

How do I report moving scams?

In 2015, 17.6 million Americans were victims of identity theft. Hopefully these tips make you more aware so that you’re not a target for moving scammers. But, if it does happen, there are identity theft protection services you can contact for help.

 A safe way to move

U-Pack is a “you pack, we drive” service that makes it easy to move safely and securely.  Our primary transportation provider is ABF Freight® – an interstate carrier of all commodities (not just household goods like traditional moving companies) that’s regulated by the DOT (#082866) with interstate operating authority (MC #299107342). We take customer privacy seriously (read more about our privacy policy) and when you reserve a move, we require a credit card for reservation only (no charges occur unless you choose to pay with that card). And because you pack and load your belongings, you don’t have to worry about someone else handling your items. Learn more about our secure equipment options, then get a free moving quote to see how U-Pack prices compare to other moving services.

You can also see what customers have to say about U-Pack on the BBB website, Yelp, and Facebook. We’re also endorsed by MovingScam.com, a site dedicated to protecting people during a move.

More questions about identity theft protection?

If you have additional questions about possible moving scams or how U-Pack keeps your information secure, leave a comment below or contact a consultant at 800-413-4799 – we’re happy to help!