Your personal information could have been stolen a long time before you realize that you are a victim. Understanding how Identity Theft can occur will equip you with the knowledge to access tools that will aid in your prevention and/or recovery should you need it.
How is it stolen?
How can your personal information be used?
How Identity Theft Affects You?
How can it be prevented or stopped if already a victim?
Access your free annual credit report from the three credit agencies:
American Bankers Association recommends the following tips to keep your information safe:
As you work with your credit card companies to have problems removed, they will ask for a police report or an Affidavit of Theft. Reporting your theft in this manner will provide you the documentation of how to obtain the Affidavit of Theft and the actual Affidavit to use.
Learn more from the following resources which will provide information concerning how Identity Theft happens, how it can be avoided and steps to restore your credit should you be a victim.
Other Rights to Free Reports
Also, under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a credit reporting company may charge you a reasonable amount for another copy of your report within a 12-month period.
To buy a copy of your report, contact:
You can also find answers to some of your questions about free credit reports, disputing errors on Credit Reports and general information about ID Theft and protection from the Federal Trade Commission.
Another resource for information about your credit score and other financial information, is by accessing the Consumer Financial Protection Bureau (CFPB), a U. S. governmental agency formed to protect the consumer.