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Information on mortgages, home equity loans, and consumer credit to help you use the power of financing to your advantage.
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Credit > Overcoming Identity Theft
How Can I Tell if I’m a Victim of Identity Theft?
Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals. Other indications of identity theft can be:
failing to receive bills or other mail signaling an address change by the identity thief;
receiving credit cards for which you did not apply;
denial of credit for no apparent reason; or
receiving calls from debt collectors or companies about merchandise or services you didn’t buy.
Are There Any Other Steps I Can Take? If an identity thief is opening new credit accounts in your name, these accounts are likely to show up on your credit report. You can find out by ordering a copy of your credit report from any of three major credit bureaus. If you find inaccurate information, check your reports from the other two credit bureaus. Of course, some inaccuracies on your credit reports may be because of computer, clerical, or other errors and may not be a result of identity theft. Note: If your personal information has been lost or stolen, you may want to check all of your reports more frequently for the first year. Federal law allows credit bureaus to charge you up to $9 for a copy of your credit report. Some states may allow a free report or reduced rates.
The tips on this website should be considered food for thought only. Lendingtips.com is a clearinghouse of ideas, not a professional adviser. Before any important decision, please consult the appropriate professionals (lawyer, accountant, real estate agency, broker etc.).
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• Credit > Overcoming Identity Theft Articles Archive
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