Knowledge base on identity theft criminal codes
Has something like this ever happened to you?
- You get to hear through a collection agency that you are in debt to them, and they intend to collect it and this concerns an account you have no knowledge of.
- Certain item of mail you were expecting, such as credit card statements, stops being received.
- You pick up on certain parts of the statement for your credit card that you did not buy.
- You receive a telephone call, saying that either yes or no, you have a credit rating, for an account you have never heard of.
If any of this sounds familiar, identity theft may be the underlying reason!
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You should start doing this should identity theft be considered the answer is to have your credit report checked. You can get a free 30 day trial who can be reached on www.freecreditprofile.com with TrueCredit. All the things you have done previously that required a credit check are bound to appear withing a credit check report. And anything that involves identity theft and a credit check in your name will be found here.
Should identity theft be suspected, make a report to the offices of fraud at all three of the main 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 action will not immediately make the identity theft go away, but further illegal actions by the crooks ought to be slowed.
You can also do the same with the Federal Trade Commission at 877-438-4338, as well as US Postal Inspection Service whom you can get at 800-772-1213. If it is the case that check are being employed in a fraudulent manner, 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 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, where the ID theft crime took place is the area where the report should be made. Be certain to retain a copy of the report yourself as insurance against the possibility of someone needing the report further on.
Both your time and your money will be wasted in cases of identity theft. But you can severely limit your liability if you act quickly. For instance, if you report the loss of a credit card in advance of any illegal activity, you will not be held responsible for charges not authorized by you. If the card is used before you report the theft, 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 your entire monetary wealth using an automatic teller machine. All identity theft should therefore be subject to a report as soon as possible and remove the control of your life from the theif.
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