SECURE FREEZE
LEARN HOW TO MONITOR YOUR CREDIT FREE - NO FEES ATTACHED
OPT OUT OF ALMOST EVERYTHING - FREE
LEARN ABOUT IDENTITY THEFT CRIMES AND SOPHISTICATED SCAMS
AND SWINDLES
AND SWINDLES
people until some form of biometric identification is mandated by law to reduce it in the physical world. There is little protection in the virtual world. Consumers can shred all the documents they want but most of that information will be stored in databases and can be obtained free or purchased on the Internet by identity thieves. Interviewed criminals say it now takes them two to three hours instead of weeks to build a convincing stolen identity.
monetary guarantees for losses incurred and advertise advanced tactics. The simple fact is - consumers are not liable for crimes they did not commit. Why pay for a credit monitoring service that alerts you that someone has attempted or obtained credit, a service, or new car in your name? Consumers will eventually be notified anyway and can prevent the problem from escalating by checking their credit report every four months for free and by placing a fraud alert on their credit file.
CREDIT REPORT EVERY FOUR MONTHS FROM EACH CREDIT BUREAU. Consumers know by now they are entitled to a free annual credit report. Most consumers are not aware they can obtain a free credit report every four months by timing their request from each credit bureau, Experian,Transunion, and Equifax. Each credit bureau is required bylaw to provide a free annual credit report. AnnualCreditReport.com is a centralized agency created by the three credit bureaus to allow consumers to request free annual credit reports. Consumers can obtain a free credit report from each credit bureau by timing their request every four months at: ANNUALCREDITREPORT.COM Remember not to request a credit report twice from the same credit bureau during the twelve month period unless you want to pay for it.
ALERT. CONSUMERS CAN ALSO REQUEST A SECURITY FREEZE ON THEIR CREDIT FILE DEPENDING ON THEIR STATE STATUTES. |
of biometric encryption identification is mandated by law to reduce it in the physical world. There is little protection in the virtual world. Consumers can shred all the documents they want but most of that information will be stored in databases and can be obtained free or purchased on the Internet. Interviewed criminals say it now takes them two to three hours instead of weeks to build a convincing stolen identity.
TELEMARKETING CALLS, DATABASES, AND MORE UNWANTED SOLICITATIONS Opt Out of credit card offers online at www.OptOutPrescreen.com To Stop Telemarketing Calls: www.DoNotCall.gov or call 1-888-382-1222 To Opt Out of Direct Mail Marketing: OptOutDirectMail To Opt Out of Online Cookie data sharing and advertising: OptOutCookies To reduce Junk Mail: OptOutOnline To Opt Out of catalog and publishing companies: OptOutCatalogs. To Opt Out of Junk Mail for Deceased OptOutDeceased To Opt Out - Do Not Contact For Caretakers Opt Out Caretakers Online identity fraud is proliferating because people are posting personal information on social web sites. Consumers may pay for opting out services but as long as they continue to complete applications for something as simple as a grocery store loyalty card, their information will be stored in an online database. Online databases can include your name, date of birth, social security number, and much more. Consumers are paying billions for credit monitoring services. These services may offer monetary guarantees for incurred losses and advertise advanced tactics. The simple fact is - you are not liable for a crime you did not commit. Why pay for a credit monitoring service that alerts you that someone has attempted or obtained credit, a service, or new car in your name? Consumers will eventually be notified anyway. You can do your own no-cost credit monitoring and prevent problems from escalating by checking your credit report every four months free and by requesting free 90 day fraud alerts on your credit file.
FOUR MONTHS FROM EACH CREDIT BUREAU. Consumers know they are entitled to a free annual credit report. Most consumers are not aware they can obtain a free credit report every four months by timing their request from each credit bureau: Experian,Transunion, and Equifax. Each credit bureau is required by law to provide a free annual credit report. AnnualCreditReport.com is a centralized agency created by the three major credit bureaus that allows consumers to request free annual credit reports. Obtain a free credit report from each credit bureau by timing your request every four months at: ANNUALCREDITREPORT.COM The automated AnnualCreditReport request number is 877-322-8228. Remember not to request a credit report twice from the same credit bureau during the twelve month period unless you want to pay for it. Reviewing your credit report may help you catch discrepancies and errors that could indicate you've fallen victim to identity theft.
ON YOUR CREDIT FILE You can request a fraud alert on your credit file requiring creditors to contact you when someone is attempting credit using your identifiers A creditor should contact you by phone to verify that you are actually the person opening the account. To obtain an extended alert or security freeze - the credit bureaus' general guidelines require you to send them a request letter by certified mail containing your full name, date of birth, social security number, current and former addresses, and an enlarged photocopy of an official document (phone bill, pay stub, W-2 form, driver's license, or utility bill). It is ironic that the credit bureaus require you to place enough information in the mail that, if obtained or stolen, would allow someone to quickly assume your identity and possibly obtain a loan on a new car in your name. You will have to contact a credit bureau to request an extended fraud alert. To place a fraud alert by phone: Experian 1-888-397-3742 TransUnion 1-800-680-7289 Equifax 1-800-525-6285. The credit bureau that receives your fraud alert will place the alert with the other bureaus. Most consumers are not aware that the credit bureaus offer an extended 7 year alert. To Request A 90 Day Fraud Alert, 7 Year Fraud Alert, or Active Duty Fraud Alert Online - FRAUD ALERT ONLINE FORM A Security Freeze allows you to password protect your credit, lock it from almost all inquiries, and prevent new credit accounts attempted in your name. If you have a Security Freeze and an impostor attempts to obtain credit in your name, the credit issuer should check your credit and receive a "not accessible" statement and the credit should be rejected. A security freeze does not affect your existing accounts and can be lifted and locked for a period of time upon your request with a password if you need new credit. A security freeze is ineffective if someone with your identifiers applies for credit with a business that does not check your credit. A Security Freeze may be too restrictive for you. Security freezes are not allowed in every state. Fees apply. For a detailed list of states that allow a Security Freeze and instructions on how to obtain one, click here: SECURITY FREEZE STATES AND REQUIREMENTS Consumers may be frustrated to learn that police agencies may not provide them with a police report if an impostor has drained their account(s). If your financial institution or credit/debit card company reimburses your accounts without a dispute process, you are not the ultimate financial loser. The company that reimbursed you is the loser. You will be a victim of emotional stress! Police agencies require you to prove you are a victim for good reason. If an identity criminal obtains a police report, he or she can create accounts in their name or other names, and use the police report to dispute their fraudulent activity on their own accounts. Police agencies will require documentation that supports your claim. You may be required to appear at the police agency, provide your thumb print, allow a detective to take your picture, and provide a sworn affidavit.
victim. All your efforts and costs to protect your identity may not protect you ... at least you will have documents to prove you made an effort. Learn how criminals are stealing tax refunds by loan advancement services Is someone employed using your social security number? Learn about Internet Crimes and how to avoid becoming a victim Learn about simple and sophisticated swindles and scams |
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