Protecting Yourself From Identity Robbery Is Simpler Than You Think

edited December 2014 in General
When some body uses your title, social security number, or other private information to get credit cards or loans your identity is stolen.

The Federal Trade Commission (FTC) studies there were 9 million cases of identity theft last year with losses to consumers of more than $5 million. The simplest kind is credit card fraud, which accounts for more than 606 of identity theft.

Get your free credit report

Check for identity theft by reviewing your credit history at the very least annually. You may get a free credit report every 12-months by calling (877) 322-8228 or on line and the Annual Credit Report web site.

Protect your self

Review your credit report for records you did not open and for account balances which are suspiciously large.

Only carry the credit and identification cards you-need. Make copies of the cards you hold and keep them in a safe place. My cousin found out about advertisers by searching the Internet. If your budget disappears, you will possess the information you should record them as lost or stolen.

Do not answer e-mail messages or telephone calls seeking personal and economic information.

Identity theft indicators

Listed below are the most typical signs of personality theft:

Your credit-card statement has fees you did not make.

You get bills for accounts you never opened.

You are denied credit for no apparent reason.

Money is missing from your own bank account.

If your identity is taken

Obtain a copy of your credit report. Note records you didn't open and account balances that are suspiciously large.

Contact the major credit rating organizations. Ask them to place a Fraud Alert on your own statement. This alerts organizations to verify your identity before issuing credit and stops thieves from opening new accounts in your name. Click here identity theft to learn when to consider it.

Document an Identity Theft Police Report at your local police station and keep a copy.

Contact organizations which have reported records you did not open or charges you didnt make. Send them a copy of one's police record and a letter arguing the fraudulent charges.

Keep a record of your calls and letters..
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