Understanding victims of identity theft graph
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.
- Some of your expected mail, including statements of credit cards, is no longer received.
- You notice items on your card statement that you know you did not purchase.
- You receive a telephone call, informing you that either yes or no, you have a credit rating, concerning some mystery account.
If any of this sounds familiar, identity theft may be the underlying reason!
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The first thing you should do 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 with 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 a credit check in your name 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 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 a slowing down of the criminal activities is the likely result.
You may wish to do likewise at the Federal Trade Commission whose number is 877-438-4338, and the US Postal Inspection Service whom you can get at 800-772-1213. If you find that check of your are being used by the climinals in a fraudulent manner, 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; as well as Tele-Check - 800-366-2425.
Following on from there, the police should be given a report to hold on file, and identity theft should be named as the nature of the crime, in the area where the identity theft took place. Get a copy of the report for yourself should it be required in the future as proof by whoever may need it.
Expect ID theft to be costly, both in time and in cash. However, what you are liable for can be limited if an immediate reaction to the crime is made. To give an example, should the theft of your card be reported before the thief uses it, you will not be held responsible for charges on your card that you did not approve. 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 from an ATM, every penny you have. The moral of this story is, all identity theft must be reported immediately and remove the control of your life from the theif.
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