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How to Repair Your Credit if You Are the Victim of Identity Theft By John Campbell If you’re ever a victim of identity theft you will need to take immediate action to repair the damage done. Depending on how long someone may have stolen your identity, the damage could be more extensive than you even realize. Any irregularities on any of your financial statements – unusual charges on your credit cards, large withdrawals on your credit or checking account you don’t remember placing - are huge red flags that your identity may have been compromised. If you suspect any fraud may have occurred with any of your bank or credit accounts contact any one of the three major credit bureaus’ fraud departments. Listed below is the contact information for each of the national credit bureaus’ fraud departments: Equifax P.O. Box 740241 Atlanta, GA 30374-0241 1-800-525-6285 Experian P.O. Box 2002 Allen, TX 75013 1-888-397-3742 Trans Union LLC Fraud Victim Assistance Division P.O. Box 6790 Fullerton, CA 92634 1-800-680-7289 For faster assistance you should just call one of the credit bureaus. As soon as you let one of the bureaus know fraud may have taken place the other credit bureaus will be notified automatically. Each of the credit bureaus should also send you a copy of your credit report free of charge. As soon as you get your credit reports you will need to scour through them and highlight anything that looks unusual. Any new addresses attached to your name or new credit accounts you are unfamiliar with should be disputed immediately. Any new listed addresses you have never lived at should also be reported to your local postal inspector. Your mail could be getting sent to someone else in a worst case scenario. You should also file an ID theft affidavit with any creditors you are certain you never opened accounts with. These affidavits are located at http://www.consumer.gov/idtheft/pdf/affidavit.pdf If you have evidence that anyone has used your accounts in your name fraudulently you will want to file a police report as well as a complaint with the Federal Trade Commission (FTC). You should include a copy of the police reports you file with any ID theft affidavits you send to creditors. If you can, try to get a copy of any fraudulent applications used to open new credit accounts in your name. This will help prove that someone else forged your signature and will help you get these accounts stricken from your credit report. Last, but definitely not least, you will want to keep records of all your interactions with police and the various financial institutions you may have to deal with. This will help you out a lot if you have to consult with an attorney or have someone prosecuted for stealing your identity. If you are a victim of identity theft, the sooner you find out about the theft the better off you’ll be. Check your credit reports quarterly and keep a watchful eye for Checking your credit reports quarterly and keeping a watchful eye on all your financial statements may help you quickly discover if someone is trying to steal your identity. The sooner you know someone is attempting to steal your identity, the faster you may minimize any potential damage. The steps you take to combat identity theft could prove the difference between someone running your finances and credit into the ground or being locked behind bars as they deserve. About the Author: © cashbuzz.com John Campbell is the writer and editor of CashBuzz, A financial portal for the rest of us. Check out cashbuzz.com for the latest articles on money management and tips and tricks that can help improve your finances. This article may be reprinted on your Web site if the copyright, author information and active link are included.
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Radio Frequency Credit Cards Proliferating Security Risk? - CBS Local
 CBS Local | Radio Frequency Credit Cards Proliferating Security Risk? CBS Local Someone could just walk past me on the street and scan my credit card. That's freaky.” Major credit card companies downplay the risk of “contactless identity theft.” They claim to have installed added security technology both on the RFID cards and in ... |
Seminar targets rise in identity theft - Burlington Hawk Eye
Seminar targets rise in identity theft Burlington Hawk Eye By JOHN MANGALONZO Being an identity theft victim has been likened to being robbed over and over again. Credit ratings have been shattered, credibility destroyed and lives torn apart. Protecting against the rapidly growing white-collar crime can be a ... |
POS Skimming—Bad News for Banks and Merchants - Blogger News Network (blog)
POS Skimming—Bad News for Banks and Merchants Blogger News Network (blog) by Identity Theft Speaker in All News EFTPOS skimming has become increasingly prevalent over the past few years. EFTPOS skimming—which stands for “electronic funds transfers at the point of sale”—involves either replacing the self-swipe point of sale ... |
Merchant Services Provider, Merchant Express®, Offers Fraud Prevention and ... - Albany Times Union
Merchant Services Provider, Merchant Express®, Offers Fraud Prevention and ... Albany Times Union This action is in response to recent data security breach events that put nearly 1.5 million credit card accounts at risk for fraud. Not all personal information compromises result in identity theft, but a recent study by Javelin Strategy & Research ... |
FICO Map Reveals Winners and Losers in Fight Against European Card Fraud - MarketWatch (press release)
FICO Map Reveals Winners and Losers in Fight Against European Card Fraud MarketWatch (press release) Last week, FICO announced its latest offering, the FICO® Merchant Monitoring Solution, which helps merchant acquirers avoid losses from merchants in the form of card fraud and identity theft, and identifies the possibility of financial compliance ... |
Merchant Services Provider, Merchant Express®, Offers Fraud Prevention and ... - Virtual-Strategy Magazine
Merchant Services Provider, Merchant Express®, Offers Fraud Prevention and ... Virtual-Strategy Magazine This action is in response to recent data security breach events that put nearly 1.5 million credit card accounts at risk for fraud. Not all personal information compromises result in identity theft, but a recent study by Javelin Strategy & Research ... |