Finest information about identity theft consumer programs for financial institutions
Does any of the following sound familiar?
- You find out from a collection agency that you are in debt to them, and they intend to collect it and the account involved is not one you remember.
- Mail that you would normally expect to receive, including statements of credit cards, stops being received.
- You observe a few bits of your credit card statement that you did not buy.
- A letter is delivered to you, or maybe you get a 'phone call,, informing you that your credit has been approved or denied, for an account you have never heard of.
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 you suspect identity theft is to have your credit report checked. You are able to pick up a thirty day trial completely free at www.freecreditprofile.com involving the company TrueCredit. Anything done by you in the past that had a need for a credit check are bound to appear withing a credit check report. Any action involving identity theft and a credit check in your name can be seen by anyone here.
Should identity theft be suspected, make a report to the fraud departments 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 your credit file. This action will not immediately make the identity theft go away, but a slowing down of the criminal activities is the likely result.
You can do this also at the Federal Trade Commission at 877-438-4338, and also the US Postal Inspection Service whose number is 800-772-1213. Should it be that your checks are being made use of 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; & last but not least, Tele-Check - 800-366-2425.
And there's more too, you can also file a police report, making sure that identity theft is what the crime is reported as, in the area where the identity theft took place. Make sure that you also get a copy of the report in case anyone needs it as proof later on.
Expect ID theft to be costly, both in time and in cash. But you can severely limit your liability if an immediate reaction to the crime is made. For instance, if you report the loss of a credit card in advance of any illegal activity, you won't have to answer for any unauthorized charges. Should it be the case that the thief manages to use the card first, you will face a liability of just $50 - even when a withdrawl is made using your card to draw out from an ATM, every penny you have. 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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