Identity Theft, Credit Tragedy
Did you know that according to the Federal Trade Commission (The Federal Trade Commission – FTC) identity theft is the crime with the highest rate of growth in these days? You’re not a vítima protects your information.Why did I receive this? I’ve never been to this site! No, you’ve never been to that site and have not bought anything there. Ah! But someone else using your name and credit card did.
When someone obtains and uses your personal information in some way that involves fraud or deception, is committing an offense (crime) known as the federal identity theft.
A survey by the company Image Data found that 1 in 5 American families have been victim of this type of theft and in 2000 the Statistics Division of the Federal Bureau of Investigation (Federal Bureau of Investigation – FBI) projected that more than half million people are victims of this crime.
If you are a victim or suspected fraudulent use of your personal information, the FTC recommends that you take action immediately:
* Contact the fraud departments of each of the credit records Equifax, Experian, Trans Union). Calls to put a “fraud alert” on your file and include a statement to prospective borrowers ask that you call before opening or changing credit accounts. At the same time, requires a copy of your credit report and check that there may be other accounts that you have not started (open or requested).
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Contact creditors for each account that has been opened or used fraudulently. Explain your case to the security or fraud department at each company and immediately write a letter to confirm in writing the details of the case.
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A full report with the police. Save a copy of the report in the event that the creditors need proof of the crime.
Armed with the personal information of the victim (driver’s license, Social Security number, current address, phone, etc.), the usurper takes the identity of that person and can make applications for loans, credit cards, opening and closing accounts bank, using existing accounts, etc.., leaving the true owner by paying the debts and damage his credit and reputation.
According to a survey by the Privacy Rights Organization in conjunction with CALPRIG, the average time it takes for a person to realize they are victims of identity theft is 14 months, while it takes 2 years to clean up their files Credit for this calamity.
Follow these guidelines and reduce your risk of becoming a victim of this crime:
* Watch who you give your personal information: the political question of confidentiality of the company (or individual) receiving your information. Find out how it will be used and if the van to share with someone else.
* Do not provide personal information, bank account numbers, credit cards, social security number, etc. people who contact you by phone applications.
* Keep documents containing personal information in a safe place.
* Destroy all receipts and the bank teller machine (ATM), credit cards expired, bank checks, and all the papers that have your personal information, identification and account numbers (including applications for credit cards pre-approved ) that do not use. Avoid throw them away documents with your data, always rómpelos or tritúralos.
* Minimize the identification documents and the number of cards you carry in your wallet; limítalos the most. Do not carry your SS card # and save it in a safe place. If you suspect someone is using your number or take advantage of your benefits, your credit report at least once a year and make sure that all accounts and information herein is correct.
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