Facts about elderly in detroit victims of identity theft
Have you ever experienced any of this?
- A collection agency informs you that a debt is to be collected from you and this concerns an account you have no knowledge of.
- Mail that you would normally expect to receive, such as credit card statements, stops being received.
- Your attention is drawn to things on your statement that to your certain knowledge was not one of your purchases.
- You get a call, or maybe a letter, letting you know that either yes or no, you have a credit rating, about an account that is news to you.
If you're thinking you've heard this before, you may have been a victim of identity theft!
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The first thing you should do if identity theft is thought likely is to check your credit report. You are able to pick up a thirty day trial completely free at www.freecreditprofile.com involving the company TrueCredit. Anything you have ever done requiring a credit check are bound to appear withing a credit check report. Any action involving identity theft and a credit check in your name will also show up here.
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. Ask each department to put a fraud alert on the credit file pertaining to you. This action will not immediately make the identity theft go away, but further illegal actions by the crooks ought to be slowed.
You can also do the same with the Federal Trade Commission at 877-438-4338, and also the US Postal Inspection Service who can be reached on 800-772-1213. If it is the case that check are being employed 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, you ought to make a report to the police, and identity theft should be named as the nature of the crime, in the place that the crime if identity theft was committed. Make sure that you also get a copy of the report 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. You can lessen what you are liable for but only by making a positive move immediately. For example, if you report the loss of a credit card before the thief uses it, the responsibility will not be yours for charges on your card that you did not approve. Should it be the case that the thief manages to use the card first, your liability is limited to just $50 - even if the card is used to withdraw from an ATM, every penny you have. Therefore, immediately make a report of any ID theft and remove the control of your life from the theif.
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