2012笔译高级考试辅导精选中英对照四

　　第1、向信用机构索取免费个人信用卡记录报告。从3月1日起，美国一些州的信用机构开始免费向居民发放个人信用记录报告。从今年9月1日起，全美居民都可以收到由三家信用机构——Experian、TransUnion和Equifax发放的这种免费报告。

　　第2、注意各家机构的信用底线。美国这3家信用机构根据各家公司提供的情况给每人的信用打分。一旦发生延迟付款现象，将被记录在案。这些分数表明每个人的信用程度，换句话说，个人在多大程度上可以被有关方面信任。如果一个人分数低，他将在购物时付更多的钱。比如，如果延迟付款，信用卡公司会额外收取费用，银行也会收取更多贷款利息。各个信用机构评分的方式不同，因此打出的分数会不一样。文章建议每个信贷人留意各家信用机构的分数底线，以便对自己的情况做到“了然于怀” 。

　　第3、谁也不愿意听到个人信息被盗的消息。一旦发生这种情况，当然要申请清除被盗用的信息。该文章提醒在申请过程中，注意记录下整个过程，以备索赔时使用。并且，在其他机构登录到个人信用记录前，可以让信用机构事先提醒你。此外，你还可以将信用被盗情况向一些相关机构报告。

　　第4、了解自己的透支程度。可以从咨询机构了解到解决的方式，或者将你的想法和打算告诉银行。

　　第5、定期检查个人信用情况。

According to the 2005 Identity Fraud Survey Report conducted by Javelin Strategy & Research for the Better Business Bureau, an estimated 9.3 million Americans become the victims of identity theft in 2004.

1. Get what you need.

As we learned from ChoicePoint, you can't prevent identity theft with just a shredder. Beth Givens, director of the Privacy Rights Clearinghouse, says keeping an eye on your credit report is your best defense. Get your free credit report. The Fair and Accurate Credit Transactions Act (FACTA) is gradually rolling out the right to each consumer for one free copy of his or her credit report from each of the three credit bureaus per year.And by September 1st, the entire country will be eligible for their free credit reports from the three major credit bureaus: Experian, TransUnion, and Equifax.

2. Understand the bottom line.

Your credit report is basically your credit history. The credit bureaus write up your report based on any information they received about you from companies that gave you credit in the past. Any late payments you made to utilities, hospitals, credit cards, mortgages or landlords might be on there. You credit score, sometimes called a FICO, is based on all that information. 　　In other words, the credit card company may charge you a higher interest rate on your delayed payments or your bank may charge more interest on your car loan. 　　　　

3. Clear your identity.

As the victim of identity theft, you face a real mess. You may have thousands of dollars in charges made to a credit card you never saw. While your name is on the account, you won't be held liable for those charges. However, you are burdened with having to clear your name. Make sure that during the whole process you keep a detailed log of all the institutions or people you contacted, including dates, times, names and phone numbers. The Privacy Rights Clearinghouse recommends you also take note of the amount of time you spend and any expenses you incur during the process in case you are able to seek restitution. Send any correspondence by certified mail and keep copies of all your records.

4. Understand how deep you're in.

5. Regular check-ups.