As a responsible adult individual, you usually keep on top of your finances. You take advantage of the various low percentage (or even zero percentage) interest rates available on credit cards and make your payments by the due date as shown on your statement.
However, some recent occurrences have caught your attention and made you think it is possible you have become a victim of identity theft.
The phone calls from debt collectors, a request for credit being turned down or the receipt of a new credit card which you have not applied for should all send out warning signals that something is amiss. The first thing you should do is take immediate action by checking your credit report, and then notifying the relevant fraud departments and law enforcement agencies of anything you know to be incorrect.
Report to the Fraud Departments
Experian, Equifax and TransUnion are the three credit bureaus to whom you should report the possibility of fraud victimisation. Although each bureau will pass the information on to the others as a matter of course, it is wise to report to all three bureaus personally. Your account will then be flagged by the credit bureaus which means that potential creditors will be required to make a telephone call to the person actually applying for credit. Read the rest of this entry »



