Identity thieves exploit the opportunities every day to discover your personal information and use it to commit fraud or other crimes. The good news is a victim of identity theft has more options than ever before. According to the Federal Trade Commission (FTC), there are four important steps you can take credit for the damage caused by circumstances beyond the control to reduce to a minimum.
1. Please contact one of the three credit bureaus. Talking with someone in the department of fraudand request that a fraud alert be placed on your credit report. Once a credit bureau confirms your fraud alert, which is automatically two different locations for his report as well. With a fraud alert is present, the creditor must contact you before opening new accounts in your name or change the details of existing accounts.
Then request a free copy of your credit report from each of them. Check all your resources on finding information, unauthorized accounts, costs orChanges. Check the correctness of your name, address, telephone number, Social Security number (SSN), past employers, and any other personal information. Inaccuracies request by notifying the office by telephone follow-up corrected and certified in writing, by electronic mail with return receipt, so you have documentation of all requests and responses from the offices. The addresses for each office can be found at the end of this article are listed.
Also, check your reports every few months,especially in the first year after losing your personal data.
2. Creditors of contact for accounts that have been modified or opened without authorization. These include bank accounts, credit card companies, banks, services, telephone companies, Internet service providers and all other services that can be opened fraudulently. Contact your phone company fraud be follow-up with a letter.
The FTC offers the affidavit "of identity theft because of" newAuditors found at the FTC. Governor To request a controversy on existing accounts, charges that the company denies fraud.
If you suspect that a thief has been passing bad checks in your name, you close the account and notify your bank immediately. Verification services contact important to check and ask that retailers using their databases not accept checks for the purchase. To find out if an identity thief has been writing checks in your name, call SCAN at 1-800-262-7771. Thethree main control verification services are:
• TeleCheck - 1-800-710-9898 or call 927-0188.
• Certegy, Inc. - Call 1-800-437-5120.
• International Service Check - Call 1-800-631-9656.
3. The third step, if you think you are a victim of identity theft is to file a police report. Ask for a copy of the report for your records and send to creditors for control of crime. Unfortunately, 61% of victims in 2004 did not inform the policeCrimes of identity theft.
4. Finally, the help filing a complaint with the FTC to enforce the laws on the country track the identity thieves and catch them. They are also useful to other agencies and consumer organizations in order to help you recover from identity theft. Contact the FTC as one of the following options:
• Call the FTC Identity Theft Hotline 1-877-IDTHEFT (438-4338);
• Write to the Identity Theft Clearinghouse, Federal Trade Commission, 600Pennsylvania Avenue, NW, Washington, DC 20580;
• Or visit the sites FTC dot gov idtheft surf
5. If you require a substantial loss of credit, call 714 441-0900 Financial CM. If you have a loan have been set, he lost a job, or maybe he had to pay much higher interest, because the damage to your credit score due to circumstances that may be out of control, is called a loan-loss compensation . Now with a new concept called the damage process creditFairs, you can measure the financial losses suffered as a result and obtain fair compensation.
These five steps should resolve most of the credit problems, after a victim of identity theft. However, remain vigilant for new events. Check your credit report every year and report problems to creditors immediately by telephone or in writing. With diligence and a little 'patience, you can go back to your good name.
As promised, here is the location and contactsInformation which has three banks to report fraud:
• Equifax - Call 1-800-525-6285, write PO Box 740241, Atlanta, GA 30374-0241, or visit the Equifax dot Comfor more information.
• Experian - Call 1-888-EXPERIAN (397-3742), write PO Box 9532, Allen, TX 75013, or visit Experian dot com for more information.
• Trans Union - 1-800-680-7289 Call, write Fraud Victim Assistance Division, PO Box 6790, Fullerton, CA 92834-6790, or visit the TUC dot com for more informationInformation.
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