Here's the information on information technology and id theft prevention
Has something like this ever happened to you?
- You are told by 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, such as credit card statements, is no longer received.
- Your attention is drawn to things on your statement that to your certain knowledge was not one of your purchases.
- A letter is delivered to you, or maybe you get a 'phone call,, saying that either yes or no, you have a credit rating, and this is about an account you know nothing of.
If you're thinking you've heard this before, identity theft may be the underlying reason!
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You should start doing this if identity theft is thought likely is to check your credit report. A 30 day trial at no cost is available whose web address is www.freecreditprofile.com using TrueCredit. Anything you have ever done that had a credit check as necessary this report will contain them. If identity theft is involved 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 offices of fraud 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 the credit file that is yours. This action will not immediately make the identity theft go away, but it should slow it down a lot.
Another organisation you should do this with is the Federal Trade Commission who can be reached on 877-438-4338, along with the US Postal Inspection Service whose number is 800-772-1213. And if your checks are being used 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; & last but not least, Tele-Check - 800-366-2425.
And there's more too, 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. Acquire a report copy for your own use 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 if an immediate reaction to the crime is made. To give an example, if your card's loss is registered with the authorities before the thief uses it, 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, you will face a liability of just $50 - even when a withdrawl is made using your card to draw out from an ATM, every penny you have. Therefore, immediately make a report of any ID theft in order to regain a measure of control over your life.
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