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Are these statements things that have occured to you?
- You find out from a collection agency that a debt is to be collected from you and the account involved is not one you remember.
- A few pieces of mail that you thought should have been sent, including statements of credit cards, is no longer received.
- You notice items on your card statement that you did not buy.
- You receive a telephone call, letting you know that a credit rating has been given the go ahead, or not, about an account that is news to you.
Should this be the case with you, it's possible that identity theft has caught up with you!
The latest ID theft tips and the best ID theft info
The best identity theft info as well as the latest identity theft tips |
don't waste money in getting back on your feet after ID theft
don't waste your money as you try to get back to normal
be on top of the situation of a case where ID theft is involved
take immediate action to keep ID theft effects low
take back control after an ID theft experience |
You should start doing this if your suspicions fall on identity theft is to check your credit report. You can get a free 30 day trial at www.freecreditprofile.com with TrueCredit. Any action you have taken requiring a credit check can be seen in the pages of this report. And anything that involves identity theft as well as a credit check using your name will be found here.
As soon as you think that identity theft is involved, you should immediately report your suspicions 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 further illegal actions by the crooks ought to be slowed.
You may wish to do likewise at the Federal Trade Commission at 877-438-4338, and also the US Postal Inspection Service who can be reached on 800-772-1213. Should it be that your checks are being made use of in a fraudulent manner, 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; and finally Tele-Check - 800-366-2425.
And there's more too, the police should be given a report to hold on file, reporting the crime as identity theft, in the area where the identity theft took place. Get a copy of the report for yourself as insurance against the possibility of someone needing the report further on.
Identity theft will cost you both time and money. But you can severely limit your liability if you act quickly. For example, if the credit card theft is made a report to the necessary places in advance of any illegal activity, you won't have to answer for charges on your card that you did not approve. In cases where the credit card gets used before you have a chance to make a report on its loss, the limit on what you will be liable for is capped at the $50 mark - even if the card is used to withdraw your entire monetary wealth using an automatic teller machine. All identity theft should therefore be subject to a report as soon as possible in order to regain a measure of control over your life.
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