An identity theft 911 situation is when you first discover you’re a victim of identity theft.Perhaps you’ve just received a bill from a creditor you’ve never heard of before. Or perhaps you’ve just received a call from a bill collector who is demanding you pay for a widget you never bought.Panic time.Somebody is using your name, reference numbers (i.e., social security number, etc.) or other personal information to set up fraudulent accounts that you’re getting billed for. You’re also wondering if maybe they’re tapping into accounts you’ve legitimately opened.You’ve got good reasons to be upset.Trying to clean up the fraud after you’ve experienced a Identity Theft 911 moment doesn’t cost just money. It costs time … and lots of it. Some Id Theft experts estimate it will take at least 200 hours to fix or repair your records (And this is IF you uncover ID fraud as soon as it happens AND begin contacting credit reporting agencies, creditors and agencies quickly.What are a few of most important things to do when first contacting the credit reporting agencies? Here are a few of the details often overlooked by fraud victims:– Request that a “fraud alert” […]
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In all the sensational reporting about identity theft and ID fraud over the last few years, the focus has primarily been on the misuse of the victim0s credit cards, the rifling of bank accounts and other financial crimes. However, the charge cards and banking information are not the only proceeds of the crime that the perpetrators value.
The identity itself, with supporting documents, can be infinitely more valuable than a credit card. The credit cards will be reported lost and will be useless minutes after the theft is discovered. Unfortunately, you cannot 0cancel0 your identity, even as someone else starts to use it.
The fact is, much identity theft is just a means to an end for a certain kind of swindler. Often, these are people without solid work or residential histories, no credit rating to speak of and so forth. However, armed with your driver0s license, Social Security card and a little bit of counterfeiting skill (or someone else0s, for a price), someone else can hijack your identity 0 and get a new job with it.
Stolen identities are not the only things that surface when companies do criminal records checks, but they should show up quickly. Among the first things that […]
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The UK energy providers are announcing increases in profits day after day and yet they are also telling us to expect dramatic increases in our cost of living.So what’s at the root of these increases?We have all felt the pressures born my the high cost of fuel! Thank goodness that the price of petrol and diesel has at last come down, but we are still paying more than £6.00 per gallon and where will it stop and what can you do to avoid the pain of future increases.Mark Leaper of Moneymatchmaker.com commented saying that there really isn’t any way to avoid the increases, but the smart consumer can make sure that they always have the best deal available to them. Regular energy price comparisons using price comparison websites really will save you money and Leaper went on to suggest that every household should recheck the deals available every 9 months to make sure that they have the best gas and electricity deal available at that time.Leaper believes that regular price checks for insurance, loans, mortgages and credit cards can save the average householder, hundreds or in some cases thousands of pounds every year, which he reminds us will help to […]
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