There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.S. involve identity theft. About half of the victims do not know how the thief obtained their personal information. The Boston Globe and Newsweek have both covered Identity theft this month telling us how important it is for us to educate ourselves on preventing and protecting ourselves from this type of robbery. Identity theft can happen anytime, anywhere and to anyone, individuals or businesses. Everyone must be educated and aware so it can be avoided. Michael Blanchard, US Postal Inspector says postal money orders and business or certified checks are one way you can be at risk. Most identity theft involves the U.S. Mail which is why the U.S. Postal Inspection Service is a lead agency in investigating Identity Theft. Identity Theft is a criminal offense.
What can I do if I am already a victim of ID theft?
? Contact the fraud departments of the three major credit bureaus, to place a fraud alert on your credit file.
? Close all accounts that have been affected and request copies of fraud-dispute forms and complete and return immediately. Keep copies!
? File a police report in each jurisdiction the theft occurred
? Send copies of the report to your creditors or anyone that requires proof of the crime
? File a complaint with the FTC (800-IDTHEFT or www.consumer.gov/idtheft) and Post Office
? Contact the Identity Theft Resource center at 858-693-7935 or www.idtheftcenter.org
? Request a new driver's license from the state of motor vehicles and have a fraud report attached to your driving record.
? Notify check-verification firms about any fraudulent checks:
International check service 800-526-5380
Telecheck 800-927-0755
Certegy Check Services 800-437-5120
? Call 1-888-CALL-FCC and file a complaint.
? Change your passwords and PIN immediately.
Michelle Dunn has over 17 years experience in credit and debt collection. She is the founder of Never Dunn Publishing, LLC, is a writer, consultant and the Editorial Advisor for Eli Financial Debt Collection Compliance Alert Newsletter. Michelle started M.A.D. Collection Agency and ran is successfully for 7 years. She owns and runs Credit & Collections.com a free online community for credit and business professionals.
She has written 5 books in her Collecting Money Series and is currently writing a book for the Streetwise Series, part of the Adams Media Corporation. For more information on Michelle's services or to order any of her books please email her at michelle@michelledunn.com or visit http://www.michelledunn.com & http://www.credit-and-collections.com
Many don't realize that our basic utility bills provide the... Read More
Millions of people give a lot of thought to financial... Read More
How many drawers did you have to look through to... Read More
For months, we were trigger-swipe happy, putting our groceries, clothes,... Read More
Now there are ways to save money in the grocery... Read More
Frugal living is more than a lifestyle. It's a passion.... Read More
Saving money is not easy and is made more difficult... Read More
Recent security breaches at several credit card companies continue to... Read More
Would you know what to do if you suspect that... Read More
I have been a loyal user of Quicken(R) for more... Read More
Creating a budget can be a very difficult task. Although... Read More
You should thoroughly consider your business needs when selecting a... Read More
Here are some tips that can help you save money... Read More
Just about everyone has a checking account. Checks present easy... Read More
Commonly referred to as the first of the three major... Read More
It is estimated that we, as consumers, waste an average... Read More
1. Don't focus on your finances.The reason most people get... Read More
With prices increasing all the time, saving money can be... Read More
Get Access to Realistic profitable strategies & discover the mindset... Read More
If you've been to a shopping mall lately, you've probably... Read More
One of the biggest challenges facing black RELATIONSHIPS today are... Read More
In this age of information, keeping track of your finances... Read More
I've been sharing the following idea with people for a... Read More
With a traditional Investment Retirement Account (IRA) you pay taxes... Read More
Most of us, especially those of us who have debtor's... Read More
Can you really afford a house? If so, how much... Read More
As the saying goes: "Buyer Beware". If you see ads... Read More
ID theft is a major consumer concern, though there is... Read More
Of course, these don't have to be done in any... Read More
Good money management needn't be difficult. In fact, there a... Read More
Identity theft is a serious crime that continues to grow.... Read More
Have you ever stopped to think about how your "mood"... Read More
It doesn't take much for you to get behind on... Read More
Single Mother's in need of Financial GuidanceBudgeting is key to... Read More
If you recently became a single parent and see your... Read More
When people speak about the increasing age expectancies, they generally... Read More
Vacations Made Easy: Buying a Florida Investment PropertyA relaxing beach... Read More
Would you be interested in freeing up 10% to 15%... Read More
People haven't always written checks to buy goods and services.... Read More
One of the simplest ways to improve your professional image... Read More
To save on food, be an opportunist. Buy what you... Read More
Everyone needs to maintain their lives. What I mean by... Read More
Next to our physical health most of us are primarily... Read More
Sticking to a budget can be difficult, but with so... Read More
Most Americans have been brought up to be concerned about... Read More
Each of us knows how to spend money, but do... Read More
There have been an estimated 9.9 million victims on America... Read More
Are your financial muscles well toned and healthy or flabby... Read More
While 40% to 50% of us make New Year's resolutions... Read More
Many don't realize that our basic utility bills provide the... Read More
Well, dang! From what I've heard and read, it looks... Read More
Before buying personal or business checks you should inform yourself... Read More
My personal opinion is that in today's new economy, it... Read More
When you received an energy (heating) bill last winter, were... Read More
Commonly referred to as the first of the three major... Read More
I'm still amazed every time someone comes to me complaining... Read More
The gas that we fill our tanks with every week... Read More
Good money management needn't be difficult. In fact, there a... Read More
Have you ever wondered what it would be like to... Read More
The lists of bank and savings accounts that are available... Read More
Today I passed a thermometer at a bank that read... Read More
Sorting out your personal finances can be a tricky and... Read More
Women are charged more for dry cleaning services. Don't fume,... Read More
Would you know what to do if you suspect that... Read More
With almost two thirds of university entrants from England and... Read More
Just about everyone has a checking account. Checks present easy... Read More
Personal Finance |