Facts regarding citibank identity theft commericals
Does any of the following sound familiar?
- A collection agency informs you that you owe a debt that they must collect and this concerns an account you have no knowledge of.
- A few pieces of mail that you thought should have been sent, including statements of credit cards, no longer arrives.
- You observe a few bits of your credit card statement that you know you did not purchase.
- You get a call, or maybe a letter, telling you that either yes or no, you have a credit rating, about an account that is news to you.
If this has a familiar ring, it's possible that identity theft has caught up with you!
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The action you should take if identity theft is thought likely is to have your credit report checked. A 30 day trial at no cost is available who can be found at www.freecreditprofile.com using TrueCredit. Anything you have ever done that had a credit check as necessary can be seen in the pages of this report. If identity theft is involved and a credit check in your name can be seen by anyone here.
If you suspect ID theft, report it to the fraud departments of the three major credit bureaus: 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 ID theft won't immediately grind to a stop, but it should slow it down a lot.
Another organisation you should do this with is the Federal Trade Commission their 'phone number is 877-438-4338, as well as US Postal Inspection Service on 800-772-1213. If it is the case that check are being employed in a manner that is fraudulent, 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; as well as Tele-Check - 800-366-2425.
And there's more too, you ought to make a report to the police, and identity theft should be named as the nature of the crime, where the ID theft crime took place is the area where the report should be made. Get a copy of the report for 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. You can lessen what you are liable for by doing something right away. For example, if you report the loss of a credit card before the thief uses it, you will not be held responsible for charges not authorized by you. If you report the identity theft after the card is used, a mere $50 (compared to what it might be otherwise) is all you will have to pay - even when a withdrawl is made using your card to draw out your entire monetary wealth using an automatic teller machine. So report all identity theft promptly and take back control of your life.
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