Here's the facts about federal trade commission and employee identity theft
Are these statements things that have occured to you?
- You are told by a collection agency that they are collecting a debt from you for an account you know nothing about.
- Some of your expected mail, including statements of credit cards, ceases to arrive with you.
- You notice items on your card statement that you are certain was not purchased by you.
- You get a call, or maybe a letter, saying that a credit rating has been given the go ahead, or not, 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 should identity theft be considered the answer is to check your credit report. A 30 day trial at no cost is available and their web locatio is www.freecreditprofile.com by using TrueCredit. All the things you have done previously that had a credit check as necessary will show up in this report. And anything that involves identity theft and your name tied to a credit check is bound to show up here as well.
If you suspect ID theft, report it to the departments dealing with fraud at all three of the main credit bureaus: 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 pertaining to you. This won't stop the identity theft, but further illegal actions by the crooks ought to be slowed.
Another organisation you should do this with is the Federal Trade Commission their 'phone number is 877-438-4338, and also 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, make a report to the following: 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; & last but not least, Tele-Check - 800-366-2425.
As well as doing those actions, you can also file a police report, making sure that identity theft is what the crime is reported as, 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.
Both your time and your money will be wasted in cases of identity theft. Your liability can be considerably lessened if you act quickly. For example, if you report the loss of a credit card prior to the criminal making use of it, you can waive anything to do for charges on your card that you did not approve. If the card is used before you report the theft, 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. The moral of this story is, all identity theft must be reported immediately in order to regain a measure of control over your life.
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