Facts about identity theft for hire
Are these statements things that have occured to you?
- You get to hear through a collection agency that a debt is to be collected from you for an account you know nothing about.
- Mail that you would normally expect to receive, 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 message, letting you know that either yes or no, you have a credit rating, for an account you have never heard 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 should identity theft be considered the answer is to have your credit report checked. A 30 day trial at no cost is available who can be found at www.freecreditprofile.com with TrueCredit. Anything you have ever done requiring a credit check can be seen in the pages of this report. If identity theft is involved and your name tied to a credit check is bound to show up here as well.
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. Request that a fraud alert be placed by each department on your credit file. The identity theft will not be brought to a halt, however, it is likely that the crime will be slowed down.
Another organisation you should do this with is the Federal Trade Commission at 877-438-4338, as well as US Postal Inspection Service whom you can get at 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, 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.
As well as doing those actions, a police report should be put on file, and the crime should be reported as being ID theft, in the place that the crime if identity theft was committed. Make sure that you also get a copy of the report in case anyone needs it as proof later on.
Expect ID theft to be costly, both in time and in cash. But you can severely limit your liability by doing something right away. To give an example, should the theft of your card be reported in advance of any illegal activity, you won't have to answer for the use of your credit card that is unapproved by you. 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 of your cash. The moral of this story is, all identity theft must be reported immediately and take back control of your life.
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