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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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Filing Police Reports

Should you file a police report if your identity is stolen?

A police report that provides specific details of the identity theft is considered an Identity Theft Report, which entitles you to certain legal rights when it is provided to the three major credit reporting agencies or to companies where the thief misused your information.  An Identity Theft Report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses, from appearing on your credit report. It will also make sure these debts do not reappear on your credit reports. Identity Theft Reports can prevent a company from continuing to collect debts that result from identity theft, or selling them to others for collection. An Identity Theft Report is also needed to place an extended fraud alert on your credit report.

You may not need an Identity Theft Report if the thief made charges on an existing account and you have been able to work with the company to resolve the dispute.  Where an identity thief has opened new accounts in your name, or where fraudulent charges have been reported to the consumer reporting agencies, you should obtain an Identity Theft Report so that you can take advantage of the protections you are entitled to.

In order for a police report to entitle you to the legal rights mentioned above, it must contain specific details about the identity theft.  You should file an ID Theft Complaint with the FTC and bring your printed ID Theft Complaint with you to the police station when you file your police report.  The printed ID Theft Complaint can be used to support your local police report to ensure that it includes the detail required.

A police report is also needed to get copies of the thief’s application, as well as transaction information from companies that dealt with the thief.  To get this information, you must submit a request in writing, accompanied by the police report, to the address specified by the company for this purpose.  You can find more information and a model letter here. 
Federal Trade Commission Report

 

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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.


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