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A Gold Mine of Tips, Tricks, Tools and Advice On Identity Theft

 


What Is Identity Theft?

How Do Thieves Steal An Identity?

What Do Thieves Do With Stolen Identities?

How Can You Find Out If Your Identity Was Stolen?

How Long Can The Effects Of Identity Theft Last?

What You Should Do If Your Identity Is Stolen

Should You File A Police Report?

What Can You Do To Help Prevent Identity Theft?

The Leading Identity Theft Services Compared




Identity Theft is becoming a crime of choice for more and more thieves. Why? Because it's so easy!


 

 

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Fighting Identity Theft


This Man Stole My Identity

From Kiplinger's Personal Finance magazine, August 2007

How did this nightmare begin?
My wallet disappeared from the glove box of my car in 1985. Ten years later, my wife and I tried to get a car loan and they said our credit score wasn't very good and that they were going to charge a high rate.

Someone had applied for credit in your name?
Yes. I checked my credit report, which showed $4,600 in delinquent charges on a credit card. I was cleared of those charges. Then in 1997, Midway Car Rental came after me for damages on a car it said I had rented and then wrecked.

What steps did you take?
I filed a report with the Salt Lake City police, but they said California was out of their jurisdiction. I contacted the North Hollywood police, but they didn't believe my story. I finally talked to a Midway manager and worked it out. Then in 2001, an insurance company called, saying I was involved in a hit-and-run accident in southern Utah.

 

How did you stop this guy?
I'm a locksmith. Last year, I was on a job at a crime scene and my fingerprints were everywhere. The detective told me there was a warrant out for my arrest for violating parole. I finally reached the parole agent of the guy using my name, who asked me to come to California. Before I got there, the parole office called to say that I had been arrested for stealing a car.

But they had really picked up the guy who was using your name?
Yes. I talked to a Los Angeles detective in the identity-fraud unit, who asked me to send more documents. Two weeks later, he called back and told me he believed me. I cannot explain to you how thrilling it was to have these people help me. And to see the guy who stole my life go to jail.

-- Interview by Joan Goldwasser

 

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Some of the things that you will need to do if it does happen to you.

  • Call your bank and/or credit card company
  • Contact the three major credit repositories
  • Go through the helpful but expensive steps recommended by the Federal Trade Commission in its 30-page consumer support publication
  • Fill out and submit the affidavit form supplied by the FTC to dispute new, unauthorized accounts
  • Spend on average $1,200 in out-of-pocket expenses and an average of 175 hours in your efforts to resolve the many problems caused by identity thieves
    OR


 


  • Do you hand your credit card to servers at restaurants?
  • Do you sign your credit cards?
  • Do you supply personal information over the Internet?
  • Do you keep your Social Security number in your wallet or purse?
  • Do you leave mail at your home or business for the postal carrier to collect?
  • Do you shred unwanted mail with personal information?



It's no secret: Identity theft is a major problem in America.
Think you're not at risk? Unfortunately you are.



Useful Book,
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