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.
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