Protecting your identity online and over the phone is crucial to avoid credit and identity theft, according to Albert Lea Director of Public Safety Dwaine Winkels.

Several fraud cases have been reported in the last couple days, including the following:

• A fraudulent charge on a bank account on Wednesday on Freeborn Avenue

• A possible computer scam on Wednesday at 16341 785th Ave.

• An unauthorized charge of $432.39 in Forest Lake Monday

• Unauthorized credit card charges totaling an estimated $99.99 in Albert Lea

• Theft of money from a checking account in Glenville

• A stolen check from Florida cashed in Albert Lea

Winkels said credit card fraud emerged as an issue after the use of checks declined.

He said people should know what they are buying and use reputable websites when purchasing online.

Winkels advised not giving out Social Security numbers or banking information online or on the phone without knowing the security of that site.

“Don’t ever give out anything over the phone without you initiating the call and knowing who you are calling,” Winkels said.

He said a number of fraud cases come from the Internet and involve overseas entities.

According to Winkels, identity theft can result in far more serious consequences than just a loss of money. He said he has seen credit histories ruined from such incidents, which can result in a long, painful financial process.

According to the Federal Trade Commission, there are many steps you can take to prevent credit card fraud:

Carry your cards separately from your wallet to minimize your losses if someone steals your wallet or purse.

During a transaction, keep your eye on the card and make sure you get it back before you walk away.

Never sign a blank receipt and draw a line through any blank spaces above the total.

Save your receipts to compare with your statement.

Open your bills promptly and reconcile them with the purchases you’ve made.

Report any questionable charges to the card issuer.

Notify your card issuer if your address changes or if you will be traveling.

Don’t write your account number on the outside of an envelope.