Dont be a VICTIM OF FRAUD ! ITS A NIGHTMARE NO ONNE WANTS TO HAPPEN TO YOU!! IM DUMBFOUNDED HOW MANY DO NOT HAVE IDENTITY THEFTPROTECTION. ITS ONLY $8.25 / simple $99 yearly can save your whole lives credit that one has invested to build a excellent credit rapport. In a split seconds its gone !! myfes.net/Mtran2, Press products, identity theft protection, left side is a tutorial and click right to enroll. If youre the victim of credit card fraud, swift action is essential to keep the fraud from ruining your credit report and leaving you in debt. Unfortunately, it will take more than filling a police report locally, since you will also have to do some damage control with your credit card providers and the credit bureaus. Expect some headaches, as undoing credit card fraud damage can be a lengthy and time-consuming process Accessing the Damage Request your three credit reports from Experian, Equifax or Transunion and look them over carefully to see the extent of the fraud that has been committed. Look for any credit cards, loans or other lines of credit that you do not recognize. Law Enforcement Involvement Report the fraud to your local police department as soon as possible. If the crime occurred outside of your locality, you may also be required to report it to police in the locality in which the crime occurred (i.e., the city and state in which the thief opened fraudulent credit cards using your name). Get a copy of police reports for your records. The credit bureaus and credit card companies may ask to see the report to verify that the fraud took place. Report the crime to the Federal Trade Commission by calling 877-438-4338 or going to ftccomplaintassistant.gov. While the FTC doesnt investigate such cases, the agency shares information with law enforcement agencies across the country to find and prosecute perpetrators of identity theft. Saving Your Credit History Call one of the three credit bureaus to report the situation and establish a fraud alert. The bureau you notify will alert the other two so that you dont need to make the same call three times. The fraud alert on your file means that creditors will have to call you directly before issuing any kind of credit, so a thief wont be able to keep opening credit cards or getting loans in your name. Note that the alert stays in place for just 90 days. After that, you must request that it be extended. Ask the credit bureaus to place a security freeze on your credit report if you feel that the thief committing the fraud is particularly aggressive. The freeze will prevent credit card companies and other lenders from seeing your report, except with your express permission, which means that thieves wont be able to open new lines of credit. Closing Fraudulent Accounts Call the creditors of fraudulent accounts both by phone and in writing. You can prevent these businesses from reporting fraudulent accounts to the credit bureaus, according to the Privacy Rights website. If asked to fill out a fraud affidavit, access one from ftc.gov/bcp/edu/resources/forms/affidavit.pdf. You may be asked to provide a copy of the police report as well. Ask for a letter stating that the company has closed the fraudulent accounts. It should also state that any fraudulent debts were discharged. This process gets very lengthy and to me its worth my $8.25 monthly for a lifetime of headaches !!
Posted on: Wed, 21 May 2014 08:15:06 +0000
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