Some good advice on crime statistics 1960 - id theft
Has something like this ever happened to you?
- You are told by a collection agency that a debt is to be collected from you and the account involved is not one you remember.
- Some of your expected mail, including statements of credit cards, ceases to arrive with you.
- You pick up on certain parts of the statement for your credit card that you did not buy.
- You get a call, or maybe a letter, telling you that a credit rating has been given the go ahead, or not, about an account that is news to you.
If this has a familiar ring, identity theft may be the underlying reason!
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You should start doing this if identity theft is thought likely is to have your credit report checked. You are able to pick up a thirty day trial completely free whose web address is www.freecreditprofile.com by using TrueCredit. Anything you have ever done requiring a credit check can be seen in the pages of this report. Any action involving identity theft and a credit check in your name will also show up here.
If you suspect ID theft, report it 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. Request that a fraud alert be placed by each department on the credit file pertaining to you. The ID theft won't immediately grind to a stop, however, it is likely that the crime will be slowed down.
You can do this also at the Federal Trade Commission their 'phone number is 877-438-4338, along with the US Postal Inspection Service on 800-772-1213. If you find that check of your are being used by the climinals in any way that can be described as 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; and Tele-Check - 800-366-2425.
And there's more too, the police should be given a report to hold on file, making sure that identity theft is what the crime is reported as, where the ID theft crime took place is the area where the report should be made. Be certain to retain a copy of the report yourself 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 by doing something right away. For example, if your card's loss is registered with the authorities 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 - and this applies and this applies in cases where the credit card is made use of to take out all of your cash. All identity theft should therefore be subject to a report as soon as possible in order to regain a measure of control over your life.
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