Some fine advice about identity theft criminal laws
Have you ever experienced any of this?
- You are told by a collection agency that you owe a debt that they must collect and the account involved is not one you remember.
- Mail that you would normally expect to receive, such as credit card statements, is no longer received.
- You observe a few bits of your credit card statement that you are certain was not purchased by you.
- You get a call, or maybe a letter, informing you that your credit has been approved or denied, concerning some mystery account.
If this has a familiar ring, you may have been a victim of identity theft!
The latest ID theft tips including the finest identity theft information
The latest ID theft tips & the best ID theft info |
protect your life and your family's from ID theft
don't waste your money in your attempts to get back on your feet
place your self in charge of a case where ID theft is involved
react promptly to limit the effects of identity theft
get back to normal after identity theft |
The action you should take if identity theft is thought likely is to check your credit report. It's possible to get a no-charge trial for thirty days who can be found at www.freecreditprofile.com by using TrueCredit. Anything you have ever done requiring a credit check this report will contain them. Any action involving identity theft and your name tied to a credit check is bound to show up here as well.
If you suspect ID theft, report it to the fraud departments 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 your credit file. The ID theft won't immediately grind to a stop, but a slowing down of the criminal activities is the likely result.
You may wish to do likewise at the Federal Trade Commission their 'phone number is 877-438-4338, and the US Postal Inspection Service who can be reached on 800-772-1213. And if your checks are being used in a manner that is 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.
And there's more too, a police report should be put on file, and identity theft should be named as the nature of the crime, in the area where the identity theft took place. Make sure that you also get a copy of the report 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. You can lessen what you are liable for but only by making a positive move immediately. For example, should the theft of your card be reported before the thief uses it, you can waive anything to do 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 - and this applies and this applies in cases where the credit card is made use of to take out from an ATM, every penny you have. So report all identity theft promptly and take back control of your life.
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