Here's the information on personal identity theft prevention
Are these statements things that have occured to you?
- You get to hear through a collection agency that they are collecting a debt from you and the account involved is not one you remember.
- A few pieces of mail that you thought should have been sent, including statements of credit cards, stops being received.
- You notice items on your card statement that you know you did not purchase.
- You get a call, or maybe a letter, saying that a credit rating has been given the go ahead, or not, concerning some mystery account.
If you're thinking you've heard this before, you could be in the middle of an identity theft situation!
The latest ID theft tips & the finest identity theft information
The best identity theft info including the latest identity theft tips |
don't waste money in getting back on your feet after ID theft
keep expenses low in your attempts to get back on your feet
be on top of the situation of a situation involving identity theft
react promptly to place a limit of identity theft effects
follwoing an identity theft experience, take back your life |
The first thing you should do if your suspicions fall on identity theft is to check your credit report. A 30 day trial at no cost is available at www.freecreditprofile.com by using TrueCredit. Anything done by you in the past that had a need for a credit check will show up in this report. Any action involving identity theft as well as a credit check using your name can be seen by anyone here.
Should identity theft be suspected, make a report to the departments dealing with fraud of the three major credit bureaus: 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. This action will not immediately make the identity theft go away, but it should slow it down a lot.
You may wish to do likewise at the Federal Trade Commission at 877-438-4338, and the US Postal Inspection Service whom you can get at 800-772-1213. Should it be that your checks are being made use of in any way that can be described as fraudulent, the following companies should be given a report: 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, you ought to make a report to the police, reporting the crime as identity theft, in the area where the identity theft took place. Get a copy of the report for yourself to cover the possibility that someone may need it at a later time.
There is no doubt that identity theft is costly. It will eat into your money and you time as well. But you can severely limit your liability if you act quickly. Take this example, 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 the use of your credit card that is unapproved by you. If the card is used before you report the theft, a mere $50 (compared to what it might be otherwise) is all you will have to pay - even if the card is used to withdraw all your money from an ATM machine. All identity theft should therefore be subject to a report as soon as possible and remove the control of your life from the theif.
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