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Have you ever experienced any of this?
- You are told by a collection agency that you are in debt to them, and they intend to collect it for an account you know nothing about.
- Mail that you would normally expect to receive, such as credit card statements, stops being received.
- You notice items on your card statement that to your certain knowledge was not one of your purchases.
- You receive a telephone call, letting you know that either yes or no, you have a credit rating, for an account you have never heard of.
Should this be the case with you, you may have been a victim of identity theft!
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You should start with this if identity theft is thought likely is to have your credit report checked. A 30 day trial at no cost is available who can be found at www.freecreditprofile.com with TrueCredit. Any action you have taken that required a credit check will show up in this report. If identity theft is involved and a credit check in your name will also show up here.
Should identity theft be suspected, make a report to the offices of 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 ID theft won't immediately grind to a stop, however, it is likely that the crime will be slowed down.
You can do this also at the Federal Trade Commission at 877-438-4338, and the US Postal Inspection Service on 800-772-1213. Should it be that your checks are being made use of in a way that involves fraud, 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 finally Tele-Check - 800-366-2425.
As well as doing those actions, you ought to make a report to the police, reporting the crime as identity theft, in the place that the crime if identity theft was committed. Be certain to retain a copy of the report yourself should it be required in the future as proof by whoever may need it.
Expect ID theft to be costly, both in time and in cash. Your liability can be considerably lessened but only by making a positive move immediately. Take this example, if you report the loss of a credit card in advance of any illegal activity, you will not be held responsible for charges on your card that you did not approve. If the card is used before you report the theft, you will face a liability of just $50 - even if the card is used to withdraw all your money from an ATM machine. So report all identity theft promptly and remove the control of your life from the theif.
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