Facts regarding identity theft andnot help
Has something like this ever happened to you?
- You get to hear through a collection agency that you owe a debt that they must collect and this concerns an account you have no knowledge of.
- A few pieces of mail that you thought should have been sent, such as credit card statements, is no longer received.
- Your attention is drawn to things on your statement that you are certain was not purchased by you.
- You receive a message, saying that your credit has been approved or denied, about an account that is news to you.
If any of this sounds familiar, you may have been a victim of identity theft!
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The action you should take if identity theft is thought likely is to have your credit report checked. A 30 day trial at no cost is available at www.freecreditprofile.com involving the company TrueCredit. Anything done by you in the past that had a need for a credit check will show up in this report. Any action involving identity theft as well as a credit check using your name will be found here.
Should identity theft be suspected, make a report 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 that is yours. The identity theft will not be brought to a halt, however, it is likely that the crime will be slowed down.
You may wish to do likewise at the Federal Trade Commission their 'phone number is 877-438-4338, as well as US Postal Inspection Service whom you can get at 800-772-1213. And if your checks are being used in a way that involves fraud, send a report to all of these: 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, the police should be given a report to hold on file, and identity theft should be named as the nature of the crime, where the ID theft crime took place is the area where the report should be made. Make sure that you also get a copy of the report should it be required in the future as proof by whoever may need it.
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. Take this example, should the theft of your card be reported before the thief uses it, you won't have to answer for any unauthorized charges. Should it be the case that the thief manages to use the card first, a mere $50 (compared to what it might be otherwise) is all you will have to pay - even when a withdrawl is made using your card to draw out all of your cash. All identity theft should therefore be subject to a report as soon as possible in order to regain a measure of control over your life.
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