Protecting Your self From Identity Theft Is Easier Than You Feel
Your identity is stolen when somebody uses your name, social security number, or other private info to acquire credit cards or loans.
The Federal Trade Commission (FTC) reports there had been 9 million cases of identity theft final year with losses to consumers of extra than $5 billion. The simplest kind is credit card fraud, which accounts for more than 60% of identity theft.
Get your totally free credit report
Check for identity theft by reviewing your credit report at least as soon as a year. You’ll be able to get an absolutely free credit report each 12 months by calling (877) 322-8228 or on the net plus the Annual Credit Report website.
Protect yourself
Review your credit report for accounts you did not open and for account balances which are suspiciously high.
Only carry the credit and identification cards you will need. Make copies on the cards you carry and hold them in a safe location. In case your wallet disappears, you’ll have the facts you need to report them as lost or stolen.
Usually do not respond to e-mail messages or telephone calls asking for private and monetary details.
Identity theft warning signs
Right here are essentially the most widespread signs of identity theft:
Your credit card statement has charges you did not make.
You get bills for accounts you by no means opened.
That you are denied credit for no apparent reason.
Money is missing from your bank account.
If your identity is stolen
Get a copy of one’s credit report. Note accounts you didn’t open and account balances which can be suspiciously high.
Get in touch with the big credit reporting businesses. Ask them to place a Fraud Alert on your report. This alerts corporations to verify your identity prior to issuing credit and stops thieves from opening new accounts inside your name.
File an Identity Theft Police Report at your neighborhood police station and maintain a copy.
Get in touch with corporations which have reported accounts you did not open or charges you didnt make. Send them a copy of one’s police report along with a certified letter disputing the fraudulent charges.
Keep a record of one’s calls and letters.
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