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admin | Category: Phone Lookup Free | 19.10.2015
No matter how cautious you are, you cannot guarantee that a criminal will not obtain your information.
Ask your bank, doctor’s office, other businesses and your employer how they use and protect your personal information.
Never carry your Social Security card, Social Security number, birth certificate or passport unless necessary.
Do not put your address, telephone number or driver’s license number on a credit card sales receipt. Identifying information should not be given over the phone or the Internet to someone you do not know or on a cellular or cordless phone. Keep a list, in a safe place, of all credit cards and bank accounts including the account numbers, phone numbers and expiration dates.
Shred financial or confidential information such as credit card pre-approvals, credit card receipts, etc. Unless your mailbox is secure, mail payments at the post office and pick up new checks at your bank.
If you are not interested in pre-approved credit offers, opt-out using the telephone number in our resource section. In the process of resolving the theft of your identity, be sure to keep records of all correspondence with the creditors and government agencies you contact.
Notify all creditors and financial institutions in writing and by phone that your name and accounts have been used without your permission.
Contact the fraud units of the three credit reporting agencies: Equifax, Experian and Trans Union.
Ask utility companies (local and long distance telephone service providers, gas, electric and water companies) to watch out for anyone ordering services in your name. If your bank accounts have been tampered with close those accounts, destroy any checks and cut up any ATM cards. If you believe your investments or brokerage accounts have been tampered with, report it to your account manager and the Securities and Exchange Commission. Even if you think a problem is resolved, check your credit report every six months for several years after your identity was stolen.
Every 2 seconds, someone becomes a victim of identity theft.1 That means by the time you finish reading this sentence, the next victim could be you.
Identity theft is a widespread crime that’s continually evolving with technology and trends.
Many identity theft victims don’t know they’ve been targeted for weeks, months or even years after the fact. Phishing, Vishing & SmishingIdentity thieves will email (phishing), call (vishing) or text (smishing) you pretending to be someone else—likely a bank or other institution your trust— and request that you provide more information. Data breachWhen an organization like a bank, retailer or doctor’s office gets hacked, the damage is often widespread impacting hundreds or thousands of customers.
Buy a cross-cut shredder and make sure you shred any documents containing personal information before you toss them in the dumpster.
Be sure to password protect all of your devices, and use unique, complicated passwords for your online accounts. Never log in to financial accounts or shop online while using public Wi-Fi, and make sure to encrypt and password protect your Wi-Fi at home.
Review your credit reports and bank accounts periodically looking for suspicious activity and errors that could signify identity theft.

Consider purchasing an identity theft detection product that includes identity theft restoration. When an identity thief steals and uses your personal information for financial or personal gain, it can feel violating, devastating and confusing.
In order to investigate a case, many organizations will require you to file a police report and an identity theft affidavit.
Finally, it’s important to continue to periodically review your credit reports and other accounts containing personal information. Take your FICO Score with you on any mobile device & receive notifications when changes have been detected.
Sign up today to receive special offers, access valuable information, and get educational resources to help you manage your credit health. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Armed with this information, an imposter can open new credit card accounts, drain your bank accounts, purchase automobiles, apply for loans, open utility services and many other services. The following steps will tell you what the warning signs are, how to protect yourself, what to do if you become a victim and the resources you will need.
Burglars are just as interested in credit cards, bank accounts and investment statements as they are in your TV, jewelry, and other valuables. If an existing account has been stolen, ask the creditor or bank to issue you new cards, checks and account numbers. The FTC collects complaints about identity theft from consumers and stores them in a secure online database called the Consumer Sentinel that is available to law enforcement agencies worldwide. Ask them to place a fraud alert on your credit report to help prevent new fraudulent accounts from being opened. The SSA does not generally take action unless there is a high dollar amount, workplace impersonation or crimes committed in your name.
They find out when they’re declined for a loan or when a collection agency is demanding payment.
With the constant evolution of technology, there is a constant evolution of ways identity thieves can steal data.
Thieves will go through your trash looking for bills, receipts and other documents containing your personal information. They’ve even been known to replicate a popular website hoping to trick you into filling out an online form. Hackers can install malware, keystroke-logging software and other malicious technology that grabs your information without you ever noticing.
Hackers may use stolen information for identity fraud, or they may simply sell it on black market websites for other criminals to purchase and use.
Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. For example, if an identity thief hacked into your bank account, contact your bank immediately.
The affidavit can be found at the Federal Trade Commission’s website, and it only takes a few minutes to fill out. If someone applies for a loan in your name and a lender pulls your file, the lender will be notified of the fraud alert. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

Since its introduction over 25 years ago, FICO® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. The following steps should be taken immediately and at the same time to best insure your protection. The FTC provides information on ways to resolve problems resulting from identity theft and refers individuals to various private and government agencies for further action.
If you are having trouble with falsified accounts, contact your state Public Utility Commission.
CFA volunteers provide assistance and mediate cases on behalf of consumers and small businesses.
Also, ask your bank to notify its check verification company to stop giving approval for any of the stolen checks. They have a variety of schemes to get a hold of your personal information and use it to steal your money, sell your identity, commit fraud or commit other crimes in your name. Many people affected by data breaches don’t even know they’re victims until several years after the event occurred. They can continue to commit fraud in your name and come up with new ways to use your personal information. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
If a thief has your Social Security number, you should notify the Social Security Administration and the Internal Revenue Service. If you believe a thief is opening credit in your name, you might want to consider a fraud alert or credit freeze.
Both types of protection can help keep thieves from opening new lines of credit in your name, but they come with downsides.
By law, once you report the loss or theft, you have no further responsibility for unauthorized charges.
The Fair Credit Billing Act (FCBA) is a federal law that limits a consumer’s responsibility for fraudulent charges to $50. Credit card companies, banks and credit reporting agencies may require you to provide an incident report number to support your claim that a crime was committed. A fraud alert does not prevent a lender from approving a credit application, and a credit freeze prevents all credit approvals—even if you’re the one applying. Because of the persistent monitoring required to stay protected, subscribing for an identity theft monitoring service may be a safer and easier option. Also, ask the agencies for a copy of your credit report every three months once you have become a victim.

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