Some fine advice about what can you do about being a victim of identity theft
Does any of the following sound familiar?
- You find out from a collection agency that they are collecting a debt from you and you have never heard of the account they mention.
- Certain item of mail you were expecting, including statements of credit cards, is no longer received.
- 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, informing you that your credit has been approved or denied, and this is about an account you know nothing of.
Should this be the case with you, you may have been a victim of identity theft!
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You should start with this if you suspect identity theft is to have your credit report checked. You are able to pick up a thirty day trial completely free at www.freecreditprofile.com using TrueCredit. Anything you have ever done requiring a credit check will show up in this 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 pertaining to you. This won't stop the identity theft, but a slowing down of the criminal activities is the likely result.
You may wish to do likewise at the Federal Trade Commission at 877-438-4338, as well as US Postal Inspection Service on 800-772-1213. If it is the case that check are being employed in any way that can be described as 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; as well as Tele-Check - 800-366-2425.
Following on from there, the police should be given a report to hold on file, making sure that identity theft is what the crime is reported as, in the area where the identity theft took place. Be certain to retain a copy of the report yourself should it be required in the future as proof by whoever may need it.
There is no doubt that identity theft is costly. It will eat into your money and you time as well. However, what you are liable for can be limited if you act quickly. To give an example, if your card's loss is registered with the authorities prior to the criminal making use of it, you can waive anything to do for any unauthorized charges. If you report the identity theft after the card is used, 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 from an ATM, every penny you have. 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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