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Are these statements things that have occured to you?
- You are told by a collection agency that they are collecting a debt from you and you have never heard of the account they mention.
- A few pieces of mail that you thought should have been sent, including statements of credit cards, no longer arrives.
- You notice items on your card statement that you are certain was not purchased by you.
- You receive a telephone call, telling you that your credit has been approved or denied, concerning some mystery account.
If this has a familiar ring, you may have been a victim of identity theft!
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You should start with this if you suspect identity theft is to immediately make a check on your credit report. You are able to pick up a thirty day trial completely free whose web address is www.freecreditprofile.com by using TrueCredit. Anything done by you in the past requiring a credit check will show up in this report. Any action involving identity theft and your name tied to a credit check is bound to show up here as well.
Should identity theft be suspected, make a report to the offices of 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 further illegal actions by the crooks ought to be slowed.
Another organisation you should do this with is the Federal Trade Commission whose number is 877-438-4338, and the US Postal Inspection Service on 800-772-1213. If you find that check of your are being used by the climinals in a fraudulent manner, 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; and finally Tele-Check - 800-366-2425.
As well as doing those actions, you ought to make a report to the police, reporting the crime as identity theft, in the area where the identity theft took place. Get a copy of the report for 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. However, what you are liable for can be limited if you act quickly. To give an example, if your card's loss is registered with the authorities prior to the criminal making use of it, 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 when a withdrawl is made using your card to draw out your entire monetary wealth using an automatic teller machine. Therefore, immediately make a report of any ID theft in order to regain a measure of control over your life.
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