Best info on historical and statistics and identity theft or id theft
Are these statements things that have occured to you?
- A collection agency informs you that a debt is to be collected from you and you have never heard of the account they mention.
- Some of your expected mail, such as credit card statements, ceases to arrive with you.
- You notice items on your card statement that you did not buy.
- You receive a telephone call, 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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The latest ID theft tips as well as the finest identity theft information |
don't waste money in getting back on your feet after ID theft
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You should start with this if your suspicions fall on identity theft is to check your credit report. A 30 day trial at no cost is available who can be found at www.freecreditprofile.com by using TrueCredit. All the things you have done previously requiring a credit check are bound to appear withing a credit check report. And anything that involves identity theft and a credit check in your name is bound to show up here as well.
As soon as you think that identity theft is involved, you should immediately report your suspicions to the departments dealing with fraud 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. This won't stop the identity theft, but a slowing down of the criminal activities is the likely result.
You may wish to do likewise at the Federal Trade Commission whose number is 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; and Tele-Check - 800-366-2425.
As well as doing those actions, you ought to make a report to the police, and the crime should be reported as being ID theft, in the place that the crime if identity theft was committed. Make sure that you also get a copy of the report as insurance against the possibility of someone needing the report further on.
Both your time and your money will be wasted in cases of identity theft. However, what you are liable for can be limited by doing something right away. To give an example, if the credit card theft is made a report to the necessary places before the thief uses it, you won't have to answer for the use of your credit card that is unapproved 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 of your cash. All identity theft should therefore be subject to a report as soon as possible and take back control of your life.
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