Locating identity theft crimes and time
Does any of the following sound familiar?
- You find out from a collection agency that they are collecting a debt from you and you have never heard of the account they mention.
- 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 to your certain knowledge was not one of your purchases.
- You receive a message, telling you that your credit has been approved or denied, and this is about an account you know nothing of.
Should this be the case with you, it's possible that identity theft has caught up with you!
The latest ID theft tips & the best ID theft info
The latest ID theft tips and the best ID theft info |
protect your life and your family's from ID theft
don't waste your money as you try to get back to normal
place your self in charge of a case where ID theft is involved
move quickly to keep ID theft effects low
get back to normal after identity theft |
You should start with this if your suspicions fall on identity theft is to have your credit report checked. A 30 day trial at no cost is available and their web locatio is www.freecreditprofile.com using TrueCredit. Anything done by you in the past that had a credit check as necessary will show up in this report. If identity theft is involved as well as a credit check using your name can be seen by anyone here.
As soon as you think that identity theft is involved, you should immediately report your suspicions to the offices of fraud of the three major credit bureaus: 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. This won't stop the identity theft, but it should slow it down a lot.
Another organisation you should do this with is the Federal Trade Commission whose number is 877-438-4338, along with the US Postal Inspection Service whose number is 800-772-1213. If you find that check of your are being used by the climinals in any way that can be described as fraudulent, 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.
In addition to all that, the police should be given a report to hold on file, and the crime should be reported as being ID theft, in the place that the crime if identity theft was committed. Acquire a report copy for your own use in case anyone needs it as proof later on.
There is no doubt that identity theft is costly. It will eat into your money and you time as well. However, what you are liable for can be limited if an immediate reaction to the crime is made. Take this example, if the credit card theft is made a report to the necessary places in advance of any illegal activity, you will not be held responsible for charges on your card that you did not approve. If you report the identity theft after the card is used, the limit on what you will be liable for is capped at the $50 mark - even if the card is used to withdraw all your money from an ATM machine. Therefore, immediately make a report of any ID theft and take back control of your life.
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