Some fine advice about 8 types of identity theft
Has something like this ever happened to you?
- You are told by a collection agency that you are in debt to them, and they intend to collect it and this concerns an account you have no knowledge of.
- Mail that you would normally expect to receive, such as credit card statements, ceases to arrive with you.
- You pick up on certain parts of the statement for your credit card that you know you did not purchase.
- You get a call, or maybe a letter, informing you that either yes or no, you have a credit rating, for an account you have never heard of.
If any of this sounds familiar, you may have been a victim of identity theft!
The greatest identity theft information including the latest identity theft tips
The greatest identity theft information and the finest identity theft information |
protect your life and your family's from ID theft
keep expenses low in your attempts to get back on your feet
take complete charge of an identity theft situation
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take back control after an ID theft experience |
You should start doing this if identity theft is thought likely is to have your credit report checked. A 30 day trial at no cost is available at www.freecreditprofile.com with TrueCredit. All the things you have done previously that had a need for a credit check will show up in this report. If identity theft is involved as well as a credit check using your name is bound to show up here as well.
Should identity theft be suspected, make a report to the departments dealing with fraud at the major credit bureaus, there are three of them: TransUnion - 800-680-7289; Equifax - 800-525-6285; Experian - 888-397-3742. A fraud alert should be sought from each place on your credit file. The identity theft will not be brought to a halt, but it should slow it down a lot.
You may wish to do likewise at the Federal Trade Commission their 'phone number is 877-438-4338, along with the US Postal Inspection Service whose number is 800-772-1213. Should it be that your checks are being made use of in a way that involves fraud, report it to these companies: Check Rite - 800-766-2748; Chex System - 800-328-5121; CrossCheck - 800-522-1900; Equifax Telecredit - 800-437-5120; NPC - 800-526-5380; SCAN - 800-262-7771; & last but not least, Tele-Check - 800-366-2425.
In addition to all that, a police report should be put on file, making sure that identity theft is what the crime is reported as, where the ID theft crime took place is the area where the report should be made. Be certain to retain a copy of the report yourself as insurance against the possibility of someone needing the report further on.
Expect ID theft to be costly, both in time and in cash. But you can severely limit your liability but only by making a positive move immediately. Take this example, if your card's loss is registered with the authorities in advance of any illegal activity, you can waive anything to do for charges not authorized by you. Should it be the case that the thief manages to use the card first, you will face a liability of just $50 - even when a withdrawl is made using your card to draw out all your money from an ATM machine. Therefore, immediately make a report of any ID theft and take back control of your life.
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