Understanding cingular and identity theft
Have you ever experienced any of this?
- 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.
- Mail that you would normally expect to receive, including statements of credit cards, stops being received.
- Your attention is drawn to things on your statement that to your certain knowledge was not one of your purchases.
- You receive a telephone call, informing you that a credit rating has been given the go ahead, or not, concerning some mystery account.
Should this be the case with you, identity theft may be the underlying reason!
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The first thing you should do if you suspect identity theft is to check your credit report. It's possible to get a no-charge trial for thirty days who can be found at www.freecreditprofile.com involving the company TrueCredit. Any action you have taken requiring a credit check this report will contain them. If identity theft is involved and a credit check in your name will also show up here.
As soon as you think that identity theft is involved, you should immediately report your suspicions to the departments dealing with fraud at all three of the main credit bureaus: 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. This action will not immediately make the identity theft go away, however, it is likely that the crime will be slowed down.
You can do this also at the Federal Trade Commission whose number is 877-438-4338, and also the US Postal Inspection Service whose number is 800-772-1213. And if your checks are being used in a way that involves fraud, send a report to all of these: 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.
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, in the area where the identity theft took place. Make sure that you also get a copy of the report in case anyone needs it as proof later on.
Identity theft will cost you both time and money. However, what you are liable for can be limited if you act quickly. For instance, if your card's loss is registered with the authorities in advance of any illegal activity, the responsibility will not be yours for any unauthorized charges. Should it be the case that the thief manages to use the card first, your liability is limited to just $50 - should your card be illegally employed to remove all of your cash. Therefore, immediately make a report of any ID theft in order to regain a measure of control over your life.
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