Facts about identity theft rockford
Are these statements things that have occured to you?
- You are told by a collection agency that you owe a debt that they must collect and you have never heard of the account they mention.
- A few pieces of mail that you thought should have been sent, such as credit card statements, is no longer received.
- You pick up on certain parts of the statement for your credit card that you know you did not purchase.
- A letter is delivered to you, or maybe you get a 'phone call,, telling you 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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The first thing you should do if your suspicions fall on identity theft is to check your credit report. You are able to pick up a thirty day trial completely free who can be found at www.freecreditprofile.com involving the company TrueCredit. Anything you have ever done that required a credit check will show up in this report. Any action involving identity theft as well as a credit check using your name will be found here.
If you suspect ID theft, report it 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. A fraud alert should be sought from each place 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.
Another organisation you should do this with is the Federal Trade Commission at 877-438-4338, and 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 a way that involves fraud, send a report to all of these: 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, making sure that identity theft is what the crime is reported as, in the area where the identity theft took place. Be certain to retain a copy of the report yourself in case anyone needs it as proof later on.
Identity theft will cost you both time and money. But you can severely limit your liability but only by making a positive move immediately. For example, if you report the loss of a credit card before the thief uses it, the responsibility will not be yours for charges on your card that you did not approve. In cases where the credit card gets used before you have a chance to make a report on its loss, you will face a liability of just $50 - 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 and take back control of your life.
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