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Are these statements things that have occured to you?
- You find out from a collection agency that you owe a debt that they must collect and this concerns an account you have no knowledge of.
- A few pieces of mail that you thought should have been sent, including statements of credit cards, is no longer received.
- You observe a few bits of your credit card statement that you know you did not purchase.
- A letter is delivered to you, or maybe you get a 'phone call,, saying that a credit rating has been given the go ahead, or not, and this is about an account you know nothing of.
If any of this sounds familiar, you could be in the middle of an identity theft situation!
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You should start with this if identity theft is thought likely is to check your credit report. You are able to pick up a thirty day trial completely free and their web locatio is www.freecreditprofile.com using TrueCredit. Anything done by you in the past that had a credit check as necessary are bound to appear withing a credit check report. If identity theft is involved and a credit check in your name can be seen by anyone here.
Report your suspicions of identity theft to the fraud departments at the major credit bureaus, there are three of them: 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 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 can do this also 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. 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; & last but not least, Tele-Check - 800-366-2425.
Following on from there, the police should be given a report to hold on file, and the crime should be reported as being ID theft, in the area where the identity theft took place. Be certain to retain a copy of the report yourself to cover the possibility that someone may need it at a later time.
Expect ID theft to be costly, both in time and in cash. Your liability can be considerably lessened but only by making a positive move immediately. For example, if the credit card theft is made a report to the necessary places prior to the criminal making use of it, you won't have to answer for the use of your credit card that is unapproved by you. If the card is used before you report the theft, 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. 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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