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How to Repair Your Credit if You Are the Victim of Identity Theft By John Campbell If you’re ever a victim of identity theft you will need to take immediate action to repair the damage done. Depending on how long someone may have stolen your identity, the damage could be more extensive than you even realize. Any irregularities on any of your financial statements – unusual charges on your credit cards, large withdrawals on your credit or checking account you don’t remember placing - are huge red flags that your identity may have been compromised. If you suspect any fraud may have occurred with any of your bank or credit accounts contact any one of the three major credit bureaus’ fraud departments. Listed below is the contact information for each of the national credit bureaus’ fraud departments: Equifax P.O. Box 740241 Atlanta, GA 30374-0241 1-800-525-6285 Experian P.O. Box 2002 Allen, TX 75013 1-888-397-3742 Trans Union LLC Fraud Victim Assistance Division P.O. Box 6790 Fullerton, CA 92634 1-800-680-7289 For faster assistance you should just call one of the credit bureaus. As soon as you let one of the bureaus know fraud may have taken place the other credit bureaus will be notified automatically. Each of the credit bureaus should also send you a copy of your credit report free of charge. As soon as you get your credit reports you will need to scour through them and highlight anything that looks unusual. Any new addresses attached to your name or new credit accounts you are unfamiliar with should be disputed immediately. Any new listed addresses you have never lived at should also be reported to your local postal inspector. Your mail could be getting sent to someone else in a worst case scenario. You should also file an ID theft affidavit with any creditors you are certain you never opened accounts with. These affidavits are located at http://www.consumer.gov/idtheft/pdf/affidavit.pdf If you have evidence that anyone has used your accounts in your name fraudulently you will want to file a police report as well as a complaint with the Federal Trade Commission (FTC). You should include a copy of the police reports you file with any ID theft affidavits you send to creditors. If you can, try to get a copy of any fraudulent applications used to open new credit accounts in your name. This will help prove that someone else forged your signature and will help you get these accounts stricken from your credit report. Last, but definitely not least, you will want to keep records of all your interactions with police and the various financial institutions you may have to deal with. This will help you out a lot if you have to consult with an attorney or have someone prosecuted for stealing your identity. If you are a victim of identity theft, the sooner you find out about the theft the better off you’ll be. Check your credit reports quarterly and keep a watchful eye for Checking your credit reports quarterly and keeping a watchful eye on all your financial statements may help you quickly discover if someone is trying to steal your identity. The sooner you know someone is attempting to steal your identity, the faster you may minimize any potential damage. The steps you take to combat identity theft could prove the difference between someone running your finances and credit into the ground or being locked behind bars as they deserve. About the Author: © cashbuzz.com John Campbell is the writer and editor of CashBuzz, A financial portal for the rest of us. Check out cashbuzz.com for the latest articles on money management and tips and tricks that can help improve your finances. This article may be reprinted on your Web site if the copyright, author information and active link are included.
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Identity theft now among top consumer complaints in Wisconsin - La Crosse Tribune
Identity theft now among top consumer complaints in Wisconsin La Crosse Tribune For the first time, identity theft broke into the annual top 10 list of complaints compiled by the state Department of Agriculture, Trade and Consumer Protection. It tied for fifth in 2011. “Identity thieves will do or say anything to get their hands ... |
RoadFish.com Releases Their Top Tips for Protecting Against Identity Theft - San Francisco Chronicle (press release)
RoadFish.com Releases Their Top Tips for Protecting Against Identity Theft San Francisco Chronicle (press release) According to the Bureau of Justice Statistics, "An estimated 8.6 million households had at least one person age 12 or older who experienced identity theft victimization in 2010. This was an increase from the 6.4 million households victimized in 2005. |
Seven states lag on death reporting - FCW.com
Seven states lag on death reporting FCW.com The other 43 states participate in either the Electronic Death Registration System or the Electronic Verification of Vital Events System, or both, Patricia Potrzebowski, executive director of the National Association for Public Health Statistics and ... |
Identity theft bigger than you think - Cranbrook Daily Townsman
Identity theft bigger than you think Cranbrook Daily Townsman Survey results are meant for general information only, and are not based on recognised statistical methods. These days, many people are conscious of how easy it is to have your credit card details stolen. But there is a greater risk from identity theft ... |
Poll: Durangoans have decent credit - The Durango Herald
Poll: Durangoans have decent credit The Durango Herald The national average is 692. Just more than half of locals – 54 percent – pay off their balance in full every month, which is the same as nationwide statistics. More men than women in Durango have been subject to identity theft – 21 percent versus 19 ... |
Dumb and Dumber: No Voter ID Required, No National ID Allowed - IT Business Edge (blog)
Dumb and Dumber: No Voter ID Required, No National ID Allowed IT Business Edge (blog) By date: I have a hunch that the people who argue against requiring voters to prove their identity are pretty much the same crowd that argues against the idea of having a national ID card. Neither argument makes any sense to me. |