Identity Theft Safety

All you need to know about identity theft,
and how to prevent becoming a victim!

Information On stolen identity criminal record

stolen identity criminal recordDoes any of the following sound familiar?


  • You are told by a collection agency that they are collecting a debt from you and this concerns an account you have no knowledge of.
  • Mail that you would normally expect to receive, including statements of credit cards, no longer arrives.
  • You pick up on certain parts of the statement for your credit card that you know you did not purchase.
  • You get a call, or maybe a letter, letting you know that either yes or no, you have a credit rating, for an account you have never heard of.

If you're thinking you've heard this before, you could be in the middle of an identity theft situation!

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You should start with this 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 reached on www.freecreditprofile.com using TrueCredit. Anything done by you in the past that required a credit check are bound to appear withing a credit check report. If identity theft is involved as well as a credit check using your name will also show up here.

Should identity theft be suspected, make a report to the departments dealing with fraud 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 the credit file pertaining to you. The identity theft will not be brought to a halt, 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. If it is the case that check are being employed in a manner that is 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; & last but not least, Tele-Check - 800-366-2425.

And there's more too, you ought to make a report to the police, making sure that identity theft is what the crime is reported as, where the ID theft crime took place is the area where the report should be made. Be certain to retain a copy of the report yourself should it be required in the future as proof by whoever may need it.

Identity theft will cost you both time and money. However, what you are liable for can be limited if an immediate reaction to the crime is made. For example, if your card's loss is registered with the authorities in advance of any illegal activity, the responsibility will not be yours 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 when a withdrawl is made using your card to draw out your entire monetary wealth using an automatic teller machine. All identity theft should therefore be subject to a report as soon as possible and take back control of your life.

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