Be warned Googleling Creditreport or searching for a Free Credit Report, which could put you in contact with scammers who will try and steal you identity. Know the tips and FAQ's:
Internet Fraud is one of the fastest growing crimes in America and worldwide for that matter.
Did you know that one in four American homes will get stung for identity theft, it's a problem that is spreading like wildfire, be smart know a what scams are on the net and how they could steal your identity.
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You check your Credit Card statement each month right? well then if there is a lot of fraud around Credit Reports you really should check your Report too. There are many types of instant alerts that you can get that will do this automatically - they check for any possible signs of fraud.
How Credit Report Theft Works?
Typically a a thief steals your good credit by taking over or opening accounts in your name. They running up large balances leaving you to have to deal with the collectors when they come knocking on your door, this could take years to fix, and Credit Report will only cover you for a limited amount so once it happens you could be stack for a long time.
A new accounts opened with your identity will appear on your credit report, revealing identity fraud to you so If you don't check your credit report it might be up to 6 or 12 months before the credit lender who does not receive their repayment contacts a collector who tracks you down and demands payment for a loan that you've never even heard of.
Here are ways you can protect yourself:
Place a fraud alert on your credit reports then review your credit reports. Ranging from around five bucks a month, you can get an alter emailed to you from 24h after something appears on your credit report - that way you can react fast before a criminal racks up a huge debt and destroys your credit rating.
If you do get stung with fraudulent activity then continue to check your credit reports periodically, especially in the first year after you discover the identity theft. Making sure no new fraudulent activity has occurred.
Close the accounts that you know or believe might have been tampered with or opened fraudulently. Be sure to follow up in writing, and include copies (NOT originals) of supporting documents.
File a complaint:
with the Federal Trade Commission File a complaint with the FTC using the online complaint form. Call the FTC's Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261 Or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.
Report it to your local police or the police in the community where the identity theft took place. Ask them if you can file the report in person. You can also check with your state Attorney General's office to find out if state law requires the police to take reports for identity theft.
There are two types of fraud alerts:
An initial alert, and an extended alert. An initial fraud alert stays on your credit report for at least 90 days, and An extended fraud alert stays on your credit report for seven years. For total peace of mind a seven year alter service is the way to go.
These are just some of the ways you can protect yourself - be on the lookout for these scam methods.
For more info and additional tips and FAQ's or to get your totally free credit report today - follow [http://www.credit-reporter.net]
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