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Has something like this ever happened to you?
- You are told by a collection agency that a debt is to be collected from you and this concerns an account you have no knowledge of.
- Mail that you would normally expect to receive, such as credit card statements, ceases to arrive with you.
- You pick up on certain parts of the statement for your credit card that you did not buy.
- You receive a telephone call, informing you that your credit has been approved or denied, for an account you have never heard of.
If this has a familiar ring, you could be in the middle of an identity theft situation!
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The action you should take if identity theft is thought likely is to immediately make a check on your credit report. A 30 day trial at no cost is available and their web locatio is www.freecreditprofile.com involving the company TrueCredit. All the things you have done previously that had a credit check as necessary are bound to appear withing a credit check report. If identity theft is involved and your name tied to a credit check is bound to show up here as well.
Report your suspicions of identity theft 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. Request that a fraud alert be placed by each department on the credit file that is yours. The ID theft won't immediately grind to a stop, 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. And if your checks are being used in a way that involves fraud, 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; and finally Tele-Check - 800-366-2425.
In addition to all that, you can also file a police report, and identity theft should be named as the nature of the crime, 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.
Identity theft will cost you both time and money. However, what you are liable for can be limited by doing something right away. For example, should the theft of your card be reported before the thief uses it, you won't have to answer for any unauthorized charges. If you report the identity theft after the card is used, your liability is limited to just $50 - should your card be illegally employed to remove all of your cash. Therefore, immediately make a report of any ID theft and take back control of your life.
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