Finest information about identity theft and employer liability
Have you ever experienced any of this?
- You get to hear through a collection agency that you owe a debt that they must collect and the account involved is not one you remember.
- Some of your expected mail, such as credit card statements, no longer arrives.
- You notice items on your card statement that you are certain was not purchased by you.
- A letter is delivered to you, or maybe you get a 'phone call,, telling you that your credit has been approved or denied, and this is about an account you know nothing of.
If any of this sounds familiar, you could be in the middle of an identity theft situation!
The best identity theft info & the latest identity theft tips
The latest ID theft tips & the latest identity theft tips |
protect your life and your family's from ID theft
keep expenses low in your attempts to get back on your feet
place your self in charge of an identity theft situation
react promptly to limit the effects of identity theft
follwoing an identity theft experience, take back your life |
The action you should take if your suspicions fall on identity theft is to have your credit report checked. You can get a free 30 day trial and their web locatio is www.freecreditprofile.com using TrueCredit. All the things you have done previously that had a credit check as necessary this report will contain them. Any action involving identity theft as well as a credit check using your name can be seen by anyone here.
Should identity theft be suspected, make a report to the offices of fraud at all three of the main credit bureaus: TransUnion - 800-680-7289; Equifax - 800-525-6285; Experian - 888-397-3742. Ask each department to put a fraud alert on the credit file that is yours. This won't stop the identity theft, however, it is likely that the crime will be slowed down.
You can also do the same with the Federal Trade Commission whose number is 877-438-4338, and the US Postal Inspection Service who can be reached on 800-772-1213. If you find that check of your are being used by the climinals 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.
As well as doing those actions, you can also file a police report, and the crime should be reported as being ID theft, where the ID theft crime took place is the area where the report should be made. Acquire a report copy for your own use 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. You can lessen what you are liable for by doing something right away. To give an example, should the theft of your card be reported in advance of any illegal activity, the responsibility will not be yours for any unauthorized charges. If the card is used before you report the theft, your liability is limited to just $50 - should your card be illegally employed to remove from an ATM, every penny you have. 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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