Identity Theft Safety

All you need to know about identity theft,
and how to prevent becoming a victim!

Understanding federal regulation identity theft

federal regulation identity theftHas something like this ever happened to you?


  • You find out from a collection agency that you owe a debt that they must collect and the account involved is not one you remember.
  • Mail that you would normally expect to receive, including statements of credit cards, is no longer received.
  • You observe a few bits of your credit card statement that you did not buy.
  • You get a call, or maybe a letter, informing you that a credit rating has been given the go ahead, or not, about an account that is news to you.

If you're thinking you've heard this before, it's possible that identity theft has caught up with you!

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protect your life and your family's from ID theft

don't waste your money as you try to get back to normal

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The action you should take if your suspicions fall on identity theft is to check your credit report. You are able to pick up a thirty day trial completely free whose web address is www.freecreditprofile.com involving the company TrueCredit. Anything you have ever done that had a need for a credit check are bound to appear withing a credit check report. Any action involving identity theft and your name tied to a credit check will be found here.

As soon as you think that identity theft is involved, you should immediately report your suspicions to the departments dealing with fraud 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 your credit file. This action will not immediately make the identity theft go away, but it should slow it down a lot.

You may wish to do likewise at the Federal Trade Commission at 877-438-4338, along with the US Postal Inspection Service whose number is 800-772-1213. And if your checks are being used 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; & Tele-Check - 800-366-2425.

And there's more too, a police report should be put on file, reporting the crime as identity theft, in the place that the crime if identity theft was committed. Acquire a report copy for your own use in case anyone needs it as proof later on.

There is no doubt that identity theft is costly. It will eat into your money and you time as well. But you can severely limit your liability if an immediate reaction to the crime is made. Take this example, should the theft of your card be reported prior to the criminal making use of it, you will not be held responsible for charges not authorized by you. In cases where the credit card gets used before you have a chance to make a report on its loss, your liability is limited to just $50 - even if the card is used to withdraw all your money from an ATM machine. 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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