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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.
- Some of your expected mail, such as credit card statements, ceases to arrive with you.
- Your attention is drawn to things on your statement that you are certain was not purchased by you.
- You receive a message, letting you know that either yes or no, you have a credit rating, and this is about an account you know nothing of.
If you're thinking you've heard this before, you could be in the middle of an identity theft situation!
The best identity theft info and the finest identity theft information
The best identity theft info as well as the latest identity theft tips |
protect your life and your family's from ID theft
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follwoing an identity theft experience, take back your life |
You should start with this if your suspicions fall on identity theft is to have your credit report checked. You can get a free 30 day trial at www.freecreditprofile.com with TrueCredit. Anything done by you in the past that had a need for a credit check are bound to appear withing a credit check report. Any action involving identity theft 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 fraud departments at the major credit bureaus, there are three of them: TransUnion - 800-680-7289; Equifax - 800-525-6285; Experian - 888-397-3742. Ask each department to put a fraud alert on the credit file pertaining to you. 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 who can be reached on 877-438-4338, along with the US Postal Inspection Service who can be reached on 800-772-1213. If you find that check of your are being used by the climinals 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; as well as Tele-Check - 800-366-2425.
As well as doing those actions, the police should be given a report to hold on file, 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.
There is no doubt that identity theft is costly. It will eat into your money and you time as well. But you can severely limit your liability but only by making a positive move immediately. Take this example, if the credit card theft is made a report to the necessary places before the thief uses it, the responsibility will not be yours for the use of your credit card that is unapproved by you. If the card is used before you report the theft, you will face a liability of just $50 - even if the card is used to withdraw from an ATM, every penny you have. All identity theft should therefore be subject to a report as soon as possible and remove the control of your life from the theif.
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