Locating identity theft by parent
Are these statements things that have occured to you?
- You find out from a collection agency that a debt is to be collected from you and this concerns an account you have no knowledge of.
- Some of your expected mail, including statements of credit cards, no longer arrives.
- You pick up on certain parts of the statement for your credit card that you are certain was not purchased by you.
- You get a call, or maybe a letter, saying that your credit has been approved or denied, about an account that is news to you.
If you're thinking you've heard this before, it's possible that identity theft has caught up with you!
The latest ID theft tips as well as the best ID theft info
The best identity theft info including the finest identity theft information |
protect your life and your family's from ID theft
don't waste your money in your attempts to get back on your feet
take complete charge of an identity theft situation
react promptly to place a limit of identity theft effects
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You should start doing this if you suspect identity theft is to check your credit report. You can get a free 30 day trial and their web locatio is www.freecreditprofile.com by using TrueCredit. All the things you have done previously that had a need for a credit check are bound to appear withing a credit check report. And anything that involves identity theft and your name tied to a credit check will be found here.
Report your suspicions of identity theft to the departments dealing with fraud of the three major 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. The identity theft will not be brought to a halt, but further illegal actions by the crooks ought to be slowed.
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 any way that can be described as fraudulent, report it to these companies: 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; as well as Tele-Check - 800-366-2425.
Following on from there, you can also file a police report, making sure that identity theft is what the crime is reported as, where the ID theft crime took place is the area where the report should be made. Acquire a report copy for your own use as insurance against the possibility of someone needing the report further on.
Identity theft will cost you both time and money. But you can severely limit your liability if you act quickly. For example, if your card's loss is registered with the authorities before the thief uses it, the responsibility will not be yours for any unauthorized charges. Should it be the case that the thief manages to use the card first, your liability is limited to just $50 - even when a withdrawl is made using your card to draw out 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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