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ID Theft Prevention
Identity Theft Prevention...
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Identity Theft: The road back
Daryl Campbell
117b
A couple of weeks ago, a friend of mine mentioned that one of his co-workers recently recovered his stolen identity. I asked how long the process took. Only two years he replied. Compared to the six year nightmare suffered by one of my business associates, only maybe appropriate. However like most victims of identity theft, my friend's co-worker probably thought in terms of when. As in, When will I get my life back?
Privacy Rights Clearinghouse, a non profit consumer organization, reported that identity theft victims spend on average 175 hours trying to recover their identity, often over a period of years. Factor in out of pocket expenses which usually total, usually over $1,500 according to the Federal Trade Commission and recovery gets painfully magnified.
What are the steps to identity restoration? It starts with obtaining a police report. You're going to need it for contacting the many and I mean many different agencies and organizations, including the Social Security Administration, The Federal Trade Commission, all of your financial institutions, the 3 major credit bureaus, the Passport Office, The Department of Motor Vehicles, the Post Office, and other law enforcement agencies as well as the Medical Information Bureau, since identity thieves now target hospitals and doctor's offices. All of these places must be sent a fraud notification alert.
It is vital that you contact other law enforcement agencies. The databases of local and federal authorities must be searched to ensure no criminal activity exists on your identity.
Concerning your financial institutions, get them to cancel your credit cards and close your bank accounts. Find out from your bank about any suspicious activity, such as accounts tampered with or opened fraudulently. Reopen new bank accounts with password verification.
When contacting the credit bureaus make sure your credit report reflects the identity theft and gets flagged with a fraud alert. Dealing with all these organizations requires constant follow up. Make sure you keep a record of who you talk to along with the date, time and action taken. Many victims received assurances from the various bureaus and agencies that the matter would be resolved only to find the identity theft remained and that were still liable. If you do this yourself, be diligent. Constant follow up all the way to the end.
This also requires knowing your rights. According to the Fair Credit Reporting Act of 1992, you must be told not only what's in your file but if that information is being used against you. The Federal Trade Commission recently expanded the rights available to victims of identity theft including your right to get negative information due to fraud blocked from your records.
Stay Away from credit repair companies. No matter what they advertise, there's usually nothing they can do to help you with identity theft. Some of them even offer to help you
apply for credit under a new identity. Hello? When trying to eliminate fraud from your record you don't want to create more fraud!
Advise the utility companies. Many identity thieves open telephone accounts, purchase cable television or establish credit with the gas & electric companies. It's not just bank accounts and credit cards.
If necessary get counseling. Identity theft can be a shattering experience not just economically but emotionally. Many victims feel ashamed and humiliated. It's not their fault of course but the feelings remain. A network of support groups and counselors exists if you need it.
The road back from identity theft can take time, money, and cause much stress and pain . But with follow up, support and belief that the nightmare will end...the nightmare WILL end.
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Don't go it alone. Get free information concerning identity theft protection, 24/7 monitoring and fast restoration.
Go to http://digbig.com/4cmcg now.
About the AuthorDaryl Campbell owns and operates WintheMarket.com a home based company that helps people build and protect their internet business.
2c
http://www.aaarticles.com/article23228.html
| Identity Theft Prevention... |
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Identity Theft
Fighting Identity Theft
By James H. Dimmitt
Chances are good that you know someone who has been
victimized by the fastest growing crime - identity theft.
The Federal Trade Commission (FTC) reported that there
were 10 million cases of identity theft in 2002 alone.
It’s estimated that someone’s identity is stolen every 79
seconds.
The bad news is with increasing amounts of personal
information available to an experienced identity thief,
it shows few signs of slowing down. The good news is
that identity fraud is now a federal crime with stiff
penalties for those who perpetrate these crimes.
Here are a few simple steps you can take now to minimize
your risk:
1) Check your credit report annually, if not more often.
Most victims of identity theft don’t realize they’ve been
victimized until 14 months after the crime. By then the
damage is done and you will spend a significant amount of
time and money trying to correct it.
2) Keep your Social Security number private. Do not have
it printed on your personal checks or drivers license. Do
not share it with anyone, including merchants, unless
they can provide a good reason for having it. Once
someone has your Social Security number they have the key
to unlocking your identity and using it fraudulently.
3) Shred offers for pre-approved credit cards that you
receive by mail. Do the same with any receipts that
contain account numbers or your Social Security number.
Identity thieves are not afraid to go “dumpster diving”
in order to obtain your personal information.
Identity theft has become the fastest growing crime
because it is the most profitable crime. On average, the
loss from identity theft is about $18,000.00. Taking
these precautions now can you save you from becoming
another statistic in the fight against identity theft.
© 2004, http://www.yourfreecreditreportnow.com (http:/
/www.yourfreecreditreportnow.com)
James H. Dimmitt
James is editor of "TO YOUR CREDIT", a weekly free
newsletter. Subscribe to the newsletter by visiting http:/
/www.yourfreecreditreportnow.com (http://www.
yourfreecreditreportnow.com). He is also author of
“Identity Theft - How to Avoid Becoming the Next Victim!”
available at http://tinyurl.com/bc45 (http://tinyurl.com/
bc45)
jimdim815@aol.com (mailto:jimdim815@aol.com)
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