Here's the tips about what can you do if your identity got stolen
Does any of the following sound familiar?
- You are told by a collection agency that they are collecting a debt from you and the account involved is not one you remember.
- Certain item of mail you were expecting, including statements of credit cards, no longer arrives.
- You notice items on your card statement that you are certain was not purchased by you.
- A letter is delivered to you, or maybe you get a 'phone call,, telling you that your credit has been approved or denied, and this is about an account you know nothing of.
If any of this sounds familiar, it's possible that identity theft has caught up with you!
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The latest ID theft tips as well as the best ID theft info |
protect your life and your family's from ID theft
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The action you should take should identity theft be considered the answer is to check your credit report. A 30 day trial at no cost is available whose web address is www.freecreditprofile.com by using TrueCredit. Any action you have taken that required a credit check can be seen in the pages of this report. And anything that involves identity theft and your name tied to a credit check will be found here.
If you suspect ID theft, report it 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. This action will not immediately make the identity theft go away, but a slowing down of the criminal activities is the likely result.
You can also do the same with the Federal Trade Commission whose number is 877-438-4338, as well as US Postal Inspection Service whose number is 800-772-1213. If you find that check of your are being used by the climinals in any way that can be described as fraudulent, 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 ought to make a report to the police, making sure that identity theft is what the crime is reported as, 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 by doing something right away. Take this example, if the credit card theft is made a report to the necessary places prior to the criminal making use of it, you won't have to answer for the use of your credit card that is unapproved by you. If the card is used before you report the theft, your liability is limited to just $50 - even if the card is used to withdraw from an ATM, every penny you have. So report all identity theft promptly and take back control of your life.
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