Identity theft is rampant with the Internet making people's personal and private information open to fraud. The very first step to take should a person they feel their identity continues is jeopardized is to file a fraud alert with the 3 major credit reporting agencies. The 2nd step is filing an identity theft report.
There might be two parts for an identity theft report. Part one will be filed using the local police. Include as much information as possible concerning the crime: where and when the crime happened, if you know of any fraudulent transactions or accounts opened up, and if you have any idea who the perpetrator may be. The 2nd area of the report involves a the credit reporting agencies. They've 15 days to help you out to make certain your report continues to be completed properly and fully.
Automated reviews are preferred, and often the only real type of report recognized by a local and federal agencies. Automated reviews can be achieved online, on the phone or mail but when you've got a choice, do not use an automatic report. It's harder to ensure information by doing this and when you need to provide more information, the procedure will take longer. Try to look for a nearby police department who'll meet in person to file your report.
Any account that you simply know or believe continues to be interfered with, close it! Call each company and request to speak with their fraud department. Perform a written follow-up with copies of documents as proof. Never send the originals. Send your information certified mail having a return receipt of delivery. Time spent recording correspondences with creditors could save you time if you will find questions later.
If you are planning to take out any new accounts at some point and time, make certain that you use passwords and private identification numbers (PIN). Stay away from common and easily figured out information. Mother's maiden title, birth dates, last four numbers of the social security or a number of consecutive amounts should be prevented when establishing new PIN numbers.
Once the issue has been cleared with your creditor, request something in writing showing that it has been removed from your credit report. Keep this letter on file in case something should happen in the future or your report is questioned.
When you file your police report, make sure to have a copy for your files. Having this proof will help you deal with creditors who may ask for proof that the crime was committed. If the police are hesitant to file take your report, file a "Miscellaneous Report" for the sake of documenting the fraud, or try a police department in another jurisdiction. You may want to go to the Attorney General's as an extra precaution.
Filing a complaint with the Federal Trade Commission may help the police catch the identity thief. Online thieves are many and out there waiting to get hold of your information coming in many different forms. "Phishing schemes" have become more prevalent as the days go by. Educating the general public is a priority in being able to customer's information safe and secure. Payday loans lenders are doing there part by providing secure transmission of personal information during the loan process.