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Identity Theft Repair
Yet another of those problems much easier to explain than do.
David Wilding has for the past ten years worked with groups and individuals to rid their lives of debt. Visit his site http://www.debtattack.com for more ideas, tools, and strategies for becoming debt free.
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As identity theft becomes more prevalent, the need to regularly check your credit report is very easy to see and understand. Two big headlines in the news recently point to how closely tied your credit report and identity theft are.
First, we hear of the troubles of Choice Point, a company involved in the storage and distribution of credit information. It appears some criminals set up a fake company and used it to obtain sensitive credit information. Then in turn they used it to steal the identities of about 750 people. That number will probably grow, since more than 500,000 people across the country have been put at risk.
Second, comes the story about missing computer tapes containing credit card records of more
than 1.2 million of Bank of America cardholders. Most of the accounts belonged to federal
government employees. This has placed the account holders in danger of increased risk of
identity theft.
Both of these companies are now in the process of notifying the people of their exposure. The
truly bad part of all the problems is these leaks and losses occurred months ago. These two
companies were not very quick in notifying the people affected. Way too much damage could
have been done before they had been alerted to the trouble.
While the headlines may change, the need to check your credit report does not. You may be very careful. You may shred your documents, the credit card and other financial solicitations you
receive in the mail. You may take great care how and where you give out your financial information. Unfortunately as these stories show, it may not be enough.
Identity theft affects about 10 million victims per year. It has been estimated to cost consumers
and businesses more than 50 billion dollars a year. It is easily among the fastest growing
categories of white collar crime. You need to do all you can to fight theft of your identity.
A new law has been put on the books by the Congress to help combat the losses. It allows the
you, the consumer to request a free credit report from the credit agencies once a year. You should not hesitate to take advantage of it. However, the law has a rollout feature which does not allow full access for all Americans until September 1 of this (2005) year.
While this is a step in the right direction, in typical fashion the government continues to leave the populace exposed. You should access your credit report much more often than once a year. If an identity theft takes place just after receiving the free credit reports, an enormous amount of damage can be done before you can review your next free report.
The Federal Trade Commission has put together a list of questions and answers concerning this
new law and the effect it will have on your credit report and your risk of identity theft. They can be helpful to you in determining your rights under the law
It makes sense to check your reports regularly, as often as, on a monthly basis. This may seem a
bit much to you, but just ask a person who has had their identity stolen how much hassle it is to take your life back. They will tell you it is well worth the effort. Let's face it, no one cares as much as you, about your credit record, and the damage that identity theft could cause in your life.
(c)2005 David Wilding
About the AuthorDavid Wilding has for the past ten years worked with groups and individuals to rid their lives of debt. Visit his site http://www.debtattack.com for more ideas, tools, and strategies for becoming debt free.
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| Identity Theft Information |
Protect Your Wealth and Identity - Act against Identity Theft Scam
When it identity theft strikes, the effects can be devastating. What's more, because it frequently involves no physical theft, identity theft may not be noticed by its victims until significant damage has been done. By following these simple but effective precautions you will be protecting yourself and your family from the terrible heartache and financial problems that this crime brings.
'Tis the Season to Have Your Identity Stolen
According to the Federal Bureau of Investigation (FBI), ten million Americans are the victims of identity theft each year, amounting to more than $54 billion in losses for businesses and individuals...
Surging Losses, but Few Victims in Data Breaches
.... But while high-profile data breaches are common, there is no evidence of a surge in identity theft or financial fraud as a result. In fact, there is scant evidence that identity theft and financial fraud have increased at all. Even when computer networks are cracked into, and troves of personal information intentionally stolen, fraudsters can typically exploit only a tiny fraction of it. Source - NY Times (reg. req.)
Identity Theft: Dont Be The Next Victim
This article which you are about to read has been written because I have been a victim of Identity Theft and I know what huge problems this creates, not to mention the severe losses involved. If I ca...
United Financial Credit Union Launches Identity Resolution Services
Offering Free Identity Resolution Services and Education to Members SAGINAW, Mich.--(allCUnews)--July 18, 2006--United Financial Credit Union (UFCU) announced today a partnership with Identity Theft 911 - the nation's leading provider of identity theft resolution services and education - to offer their membership guidance should they fall victim to the rapidly-growing crime of identity theft. Thanks to this collaborative effort, any United Financial member who becomes victimized will have a personal advocate to guide and support them through the challenges of identity restoration. This is all provided by United Financial at no additional cost to the members.
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Identity Theft Repair and Prevention
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http://www.mlmlegal.com/identity_theft.html
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