Facts about identity theft issa california
Has something like this ever happened to you?
- You are told by a collection agency that they are collecting a debt from you and the account involved is not one you remember.
- Some of your expected mail, including statements of credit cards, ceases to arrive with you.
- 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 a credit rating has been given the go ahead, or not, concerning some mystery account.
If any of this sounds familiar, you may have been a victim of identity theft!
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You should start doing this if your suspicions fall on identity theft is to check your credit report. It's possible to get a no-charge trial for thirty days and their web locatio is www.freecreditprofile.com using TrueCredit. Any action you have taken requiring a credit check are bound to appear withing a credit check report. And anything that involves identity theft and your name tied to a credit check will also show up here.
As soon as you think that identity theft is involved, you should immediately report your suspicions 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. Ask each department to put a fraud alert on your credit file. This action will not immediately make the identity theft go away, but further illegal actions by the crooks ought to be slowed.
You can do this also at the Federal Trade Commission who can be reached on 877-438-4338, and also the US Postal Inspection Service whose number is 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, make a report to the following: 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.
In addition to all that, the police should be given a report to hold on file, reporting the crime as identity theft, where the ID theft crime took place is the area where the report should be made. Make sure that you also get a copy of the report as insurance against the possibility of someone needing the report further on.
There is no doubt that identity theft is costly. It will eat into your money and you time as well. However, what you are liable for can be limited by doing something right away. For instance, if the credit card theft is made a report to the necessary places in advance of any illegal activity, you will not be held responsible for any unauthorized charges. 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 from an ATM, every penny you have. So report all identity theft promptly and take back control of your life.
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