Understanding bank of america identity theft service
Has something like this ever happened to you?
- You get to hear through a collection agency that you are in debt to them, and they intend to collect it for an account you know nothing about.
- Mail that you would normally expect to receive, including statements of credit cards, stops being received.
- You observe a few bits of your credit card statement that to your certain knowledge was not one of your purchases.
- A letter is delivered to you, or maybe you get a 'phone call,, informing you that a credit rating has been given the go ahead, or not, and this is about an account you know nothing of.
Should this be the case with you, you could be in the middle of an identity theft situation!
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The first thing you should do if your suspicions fall on identity theft is to have your credit report checked. You are able to pick up a thirty day trial completely free at www.freecreditprofile.com involving the company TrueCredit. All the things you have done previously that had a need for a credit check will show up in this report. Any action involving identity theft and a credit check in your name can be seen by anyone here.
Report your suspicions of identity theft 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 the credit file that is yours. The identity theft will not be brought to a halt, but a slowing down of the criminal activities is the likely result.
You can do this also at the Federal Trade Commission who can be reached on 877-438-4338, as well as US Postal Inspection Service whom you can get at 800-772-1213. Should it be that your checks are being made use of in a manner that is fraudulent, the following companies should be given a report: 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; & Tele-Check - 800-366-2425.
As well as doing those actions, you ought to make a report to the police, and the crime should be reported as being ID theft, in the place that the crime if identity theft was committed. Be certain to retain a copy of the report yourself to cover the possibility that someone may need it at a later time.
Expect ID theft to be costly, both in time and in cash. However, what you are liable for can be limited if you act quickly. To give an example, if the credit card theft is made a report to the necessary places prior to the criminal making use of it, you will not be held responsible for charges on your card that you did not approve. If the card is used before you report the theft, the limit on what you will be liable for is capped at the $50 mark - even if the card is used to withdraw from an ATM, every penny you have. Therefore, immediately make a report of any ID theft in order to regain a measure of control over your life.
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