Identity Theft Prevention Package - Utah 2025

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The Fair and Accurate Credit Transactions (FACT) Act (PDF) requires financial institutions with covered accounts to develop and implement a written identity theft prevention program designed to detect, prevent, and mitigate identity theft in connection with opening new accounts and operating existing accounts.
Consider paying for an identity theft protection service if: Youre already the victim of identity theft or at high risk of it. You are unwilling to freeze your credit reports. You know that you wont go through the effort of actively monitoring your own credit.
If your child is under 16, request a free credit freeze, to make it harder for someone to open new accounts in your childs name. The freeze stays in place until you tell the credit bureaus to remove it. (Minors who are 16 or 17 may request and remove a security freeze themselves.)
Pick up your mail promptly and use a secure mailbox. Shred receipts, credit offers, loan and credit applications, insurance forms, bank statements, and similar documents when you no longer need them. A cross cut shredder is best for this.
Identity theft protection services arent right for everyone. But if youre a prior victim or have family members to protect, it could make sense for you. Identity theft protection services arent right for everyone. But if youre a prior victim or have family members to protect, it could make sense for you.
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Identity theft protection and insurance can protect you from this common, costly type of fraud, and it makes even more sense if: You want to make sure your accounts are well-monitored. You want insurance coverage in case your identity is stolen (coverage will not apply if you buy a plan after a known theft has occurred

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