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Does any of the following sound familiar?
- You find out from a collection agency that a debt is to be collected from you and the account involved is not one you remember.
- Mail that you would normally expect to receive, including statements of credit cards, no longer arrives.
- Your attention is drawn to things on your statement that you are certain was not purchased by you.
- You receive a message, telling you that your credit has been approved or denied, for an account you have never heard of.
Should this be the case with you, you may have been a victim of identity theft!
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The greatest identity theft information as well as the latest identity theft tips |
protect your life and your family's from ID theft
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The first thing you should do if you suspect identity theft is to check your credit report. A 30 day trial at no cost is available who can be found at www.freecreditprofile.com by using TrueCredit. Anything done by you in the past that had a need for a credit check this report will contain them. Any action involving identity theft as well as a credit check using your name will be found 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. The ID theft won't immediately grind to a stop, but further illegal actions by the crooks ought to be slowed.
You can do this also at the Federal Trade Commission at 877-438-4338, and the US Postal Inspection Service who can be reached on 800-772-1213. Should it be that your checks are being made use of in a fraudulent manner, 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; & Tele-Check - 800-366-2425.
As well as doing those actions, 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. Be certain to retain a copy of the report yourself to cover the possibility that someone may need it at a later time.
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. To give an example, should the theft of your card be reported before the thief uses it, you won't have to answer for charges not authorized by you. If you report the identity theft after the card is used, 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. So report all identity theft promptly and take back control of your life.
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