Some good advice on commercial and identity theft and funny
Does any of the following sound familiar?
- You get to hear through a collection agency that you owe a debt that they must collect and this concerns an account you have no knowledge of.
- Some of your expected mail, such as credit card statements, ceases to arrive with you.
- You notice items on your card statement that to your certain knowledge was not one of your purchases.
- You get a call, or maybe a letter, informing you that your credit has been approved or denied, for an account you have never heard of.
Should this be the case with you, you could be in the middle of an identity theft situation!
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The first thing you should do if identity theft is thought likely is to check your credit report. You can get a free 30 day trial who can be found at www.freecreditprofile.com involving the company TrueCredit. All the things you have done previously that had a need for a credit check can be seen in the pages of this report. Any action involving identity theft and your name tied to a credit check will be found here.
If you suspect ID theft, report it 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. Ask each department to put a fraud alert on your credit file. The ID theft won't immediately grind to a stop, but it should slow it down a lot.
You may wish to do likewise at the Federal Trade Commission their 'phone number is 877-438-4338, along with the US Postal Inspection Service whose number is 800-772-1213. If it is the case that check are being employed in a manner that is fraudulent, 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.
In addition to all that, a police report should be put on file, 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. Make sure that you also get a copy of the report should it be required in the future as proof by whoever may need it.
Both your time and your money will be wasted in cases of identity theft. Your liability can be considerably lessened by doing something right away. Take this example, should the theft of your card be reported before the thief uses it, the responsibility will not be yours for any unauthorized charges. If you report the identity theft after the card is used, you will face a liability of just $50 - and this applies and this applies in cases where the credit card is made use of to take out 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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