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Secrets 3 Major Credit Reporting Bureaus Don’t Want You To Know

Delray Beach, FL (PRWEB) April 23, 2010

NationalCreditReport.com, a leader in credit monitoring services, advises consumers to check their credit reports online from credit reporting bureaus regularly, both to keep current on what lenders will see about them and to be proactive against credit fraud and identity theft. Many consumers, however, may be surprised to learn some of the important facts about credit and the three major credit bureaus.

“Consumers usually know that there are three major credit bureaus: Experian™, Equifax™ and TransUnion™,” said Samuel S. Ambrose, Vice President of Marketing and Operations for NationalCreditReport.com. “However, most don’t realize that their data is not all the same and that it is important to check their credit reports online from each of the credit reporting bureaus.”

Surprising Facts about Credit Reporting Bureaus and Your Credit:

1. The three major credit bureaus are not all the same. They are separate entities and therefore have different models for how credit scores are derived. Even if your information matches up from each of the credit reporting bureaus, you can have three different scores.

2. Credit reports can be filled with incorrect information. This can range from typographical errors to address variations to identity theft and credit fraud. It’s important to check your credit reports online from the three major credit bureaus to know whether there is any information you should dispute.

3. Consumers can usually fix their own credit reports. If an inaccuracy is uncovered you can write letters to the credit reporting bureaus to have the information investigated. There are many good books available to walk you through the process.

4. You don’t have to give your permission for someone to check your credit. Any lender, insurance company, collection agency, etc. with a permissible purpose can access credit reports without the consumer’s permission.

“We encourage folks to visit NationalCreditReport.com’s website where they can obtain credit reports from the three major credit bureaus and also find more useful information that will help them manage their credit,” said Ambrose. “Our team of trained customer service agents can also answer questions from our members about information contained in their credit report and our credit monitoring services.”

About NationalCreditReport.com

Since 2004, NationalCreditReport.com has specialized in providing credit reports online and credit monitoring services to consumers to help protect them from identity theft and credit fraud. NationalCreditReport.com encourages consumers to check their credit report on a regular basis.

Contact:

Allison Tomek

NationalCreditReport.com

561-805-8000

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Identity Theft Information in Florida: Don’t Be A Victim!

There are six main types of identity theft commonly reported in Florida. Credit card fraud ranks first with more than 4,000 reported victims in 2007. Phone and utility fraud comes in second, bank fraud ranks third, fourth type is government documents or benefits fraud, while employment related fraud and loan fraud are fifth and sixth, respectively. According to one article from the Sarasota Herald Tribune, Florida ranked 6th in identity theft rating in the entire United states. The most common locations of these thefts are Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale.

There are probably numerous situations that led to the victimization of thousands of people but one reason that is often disregarded is the failure to properly dispose of documents like financial records, credit card reports, payroll records, employee profile records, medical files, and others. Whether you leave these files out in the open or you throw them in the trash, other people will get a hold of them. In fact, throwing away closed but confidential documents is a no-no. This is because “dumpster diving” in Florida is legal! “Dumpster diving” is a practice in which people go through others’ trash in search of anything they could benefit from. It could be broken furniture, old gadgets, or discarded documents. The bottom line is, once it’s in their hands, you can’t do anything about it.

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In order to avoid becoming a victim of identity theft, make sure you keep confidential and important documents in a safe place; and when these documents expire, you’re next step should be proper and secure disposal of them. One way of disposing files safely is by shredding. If you have a lot to shred, ask for the help of professional shredding companies. Shred-it is one of them. You can look for other companies closer to your area on the net.

These companies provide secure shredding of files, and other forms of file storage systems like digital storage (e.g. computer hard drive, CDs, DVDs, video tapes, cassette tapes). Document shredding is the most basic service. You can have employee records, old financial records, or payroll records destroyed. For medical institutions, patient records and other medical files could be disposed safely as well. Medical record destruction is part of the policy of hospitals. This even includes X-ray film destruction of old patients.

Most companies charge by the pound but they also offer services for recurring and one-time shredding needs. You can also opt to have the file disposal process on-site by asking for their mobile shredding services. This is particularly convenient for companies that have a lot of files to get rid of, or simply do not have the time to take boxes of documents to a shredding company.

Shredding companies are now conveniently available in many locations around the state. Companies that serve in South Florida can be found in Fort Lauderdale, Aventura, Hollywood, Hallandale Beach, Pompano Beach, Lighthouse Point, Boca Raton, Miami, Miramar, Miami Beach, North Miami Beach, Tamarac, Coral Springs, Coconut Creek, Davie, Cooper City, Weston, Sunrise, Palmetto Bay, Kendall, Homestead, and Plantation.

Also, to make sure you choose the right shredding company, ask them if they are HIPAA compliant. Some question you might ask are, “Where does all the trash go?” or “How sure am I that they won’t go through my trash?” Knowing that they comply with the Health Insurance Portability and Accountability Act (HIPAA) should leave your mind clear of having your documents misused, and destroying the environment and. The act, in essence, guards the community against waste, fraud, and abuse in health care delivery and health insurance.

Credit Fraud Secrets Thieves Don’t Desire You To Know

Have you ever been a victim of credit card fraud? If so, you know just how traumatic it can be. What’s more, if you don’t detected it early enough, it could leave bad marks on your credit report that could haunt you for many years. The most commonly thought of credit card fraud is when your wallet or purse is stolen, and the thief uses your credit cards to make unauthorized purchases.

But, with the increasing rate of online buying, another form of credit card fraud-known as misappropriation-is spreading like wildfire. These days the only thing a thief needs to create havoc on your credit life is your credit card number-not your actual card.

Here are just a few ways that this type of fraud can happen to you:

* One day your telephone rings, you answer and the person on the other end of the line tells you that they have a one time special offer, good for today only-and that you simply need to provide them with your credit card number to make a purchase. STOP! Don’t ever give out your credit card number to anyone who calls you. Only provide this kind of information if you have called the company to place an order, and you are positive that it is a well-established reputable business.

* You find that someone has gone through your trash. Then when you receive your credit card statement, you find that there are dozens of unauthorized charges. STOP! Always tear up your credit card receipts and bank statements before putting them in the trash. Better yet, buy a paper shredder from a local office supply. Many thieves go through unguarded trash bags specifically looking for your credit card staments.

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* You go out to eat in a restaurant and pay the bill with your credit card. On your next credit card statement, you notice that there are unauthorized charges that started the same day as your restaurant meal. It turns out that the waiter made an extra imprint of your card when he rung up your bill, and then used the number to go shopping. The solution? Many restaurants have placed their credit card processing centers in plain view of the customer’s sight to combat this problem. If not, you could follow the waiter to the charge station, and watch him throughout the process. It’s also important to make sure that they know that they are being watched.

You may be wondering if there are other measures that you can take to make sure you aren’t a victim of credit card fraud? Yes there is and here are a few suggestions.

* If possible, carry your credit cards and other bank information somewhere other than your wallet or purse. This way, if a thief nabs it, you will be out only your cash-not your credit cards.

* Another way is to only take the credit card that you intend to use that day-leave the others at home.

* Make a list of all your credit cards and keep it in a safe place, make sure to list the numbers and contact information of the issuing company. That way, if you do lose them, you’ll have the information necessary to contact the credit card company as soon as you notice the theft.

* Never sign a blank receipt, and always be sure to cross out blank lines. For example, if you bought something that didn’t require a tip, cross out the tip line so nobody can add to it later.

* If you’re making a purchase online, be sure that you do so via a secure site.

* If you move, report your new address to your credit card issuer immediately. Also fill out a change of address form at the post office. Sneaky thieves are on the look out for people moving, and then watch the mailbox of the old house, hoping that they can intercept a credit card statement.

Following the above suggestions doesn’t guarantee you’ll never be a victim of credit card fraud, but it will greatly reduce your chances.

Identity Theft Fraud: Don’T Park There

Our cars are one of the life bloods of our culture. Yes there has been talk for many years about a massive public transportation system in an effort to conserve energy and provide a more efficient mode of travel. Whether it ever comes to pass is to a large degree irrelevant. We are a car country and we like it that way.

Armed with this knowledge, scammers have introduced another scheme to gain access to our personal information. No doubt by now many of us greet news of this kind with a shrug of the shoulders as we move on to something else. We figure at a certain report the scams repeat themselves. What makes this particular scam stand out? This may be the first threat of it’s kind to use paper work from the offline world to lure people into cyberspace; where upon arrival it’s theft time.

The testing ground for this scam was Grand Forks South Dakota. People would park their cars and go about their normal business. Upon returning to their vehicles, a number of Grand Fork motorists found a greeting waiting for them. A yellow ticket under the windshield wiper stating: “PARKING VIOLATION. This vehicle is in violation of standard parking regulations.”

More than a few drivers were understandably confused. There were no signs in the vicinity indicating anything out of the ordinary. The parking rules appeared to have been followed so what’s up?

What’s up is scammers were playing a hunch. Put an official looking parking citation on as many cars as possible and then see who takes the bait. In this case motorists are instructed to go online and visit a website that will show a photo of their car and the specific parking violation the motorist is guilty of.

To bait the trap further the website does list a variety of vehicles located in assorted car parks across Grand Forks. However for a driver to view their specific vehicle it will be “necessary” to download a toolbar. As you probably figured out by now once people download the toolbar, you can hear the iron gate close behind them.

The toolbar contains a powerful Trojan virus that brings with it other applications which are all designed to not only take control of your computer (as well as degrade your operating system) but also to spy on you and report back to the scammers. That means not only your computer but your personal information is also at high risk.

Dave Marcus, director of security research and communications at McAfee tells Shaun Nicholas of Vnunet.com, “This is a great example of real-world social engineering, placing fliers on cars informing you of a parking violation as a way to drive users to the web to download and install malware.”

It’s also a great example of the variety and scope identity theft can assume. No matter how elaborate or ingenious the scheme, it still comes down to stealing what belongs to you so as to exploit this information now or in the future. You can pretty much guess that Grand Forks is only the beginning.

Identity Theft: Don’t Tell The Children

For some parent and guardians, it was just a stop gap measure. They were going to square things as soon as they used it to clean up their own mess. Besides it’s not like they don’t have time. The child is nowhere near adult age and if they are so what. They don’t need a credit card right now anyway.

The point is since the parent’s credit is for all intent and purposes ruined, then the next best thing is to find someone who has a clean slate and “borrow” it.  Enter the children.

As consumer advocate Denise Richardson puts it, “Kids make perfect targets for identity thieves because the theft of a child’s identity can go undetected for a long period of time.” Time is the keyword. The idea is to take what you need for right now, keep the child’s credit at five star level and then as soon as the parent has extricated themselves from debt, return the credit to the child unscathed and no one will be the wiser. 

 That is all well in theory. Reality is whole different matter. For one thing unless these adults are going to join some money management reform program, it is almost a sure thing that they will destroy their children’s credit just as easily as they wrecked their own.

For another thing life has a funny way of intruding. The parent starts to pay off a debt then something else totally unexpected pops up. Suddenly a family illness (maybe the child) or job loss (and in this economy that is very possible) compounds the problem. 

Before you know it the creditors are hounding their child. Even if both parents are together and work around the clock, it will still take them years to repair the damage. If they don’t then the child’s passage into adulthood is going to be a rough one. Denise Richardson: “Often, the theft isn’t discovered until a young adult is denied a student loan, credit or employment, all because of a destroyed credit rating.”  

Like it or not we live in a credit based world. It’s sometimes seems like an absolute necessity so as to take the next step financially.  If the child eventually grows up to destroy their own credit, so be it. The last thing they need however is a push from someone who is supposed to have their best interest at heart.   

lol…

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Don’t Become A Victim – Know the Best Identity Theft Solution!

Due to the current increase in identity theft, solutions and prevention tips are becoming a necessity for everyone. Many victims of identity theft are unaware that they have been targeted until months after the original crime. Your credit card bills could be missing for a month, and when you contact the financial institution, they tell you that there has been an address change that you did not authorize. You might be applying for a mortgage renewal, and discover that your great credit has been ruined by a scammer. This time lag gives the scammer a head start at spending all of your hard-earned money.

Most credit card companies have implemented identity theft protection to help you if you become a victim. You shouldn’t assume that you have protection because you deal with a major financial institution. Have them send you information about the type of protection you are eligible for, and how to access it if you ever need it. This type of information you want to have before you discover you need it.

Some specialty businesses provide identity theft solutions. They will help you take steps to protect yourself from becoming a victim of identity theft. They will give you checklists, internet references, and clear steps to take to resolve identity theft problems. Specially trained staff is available to help you fill out police reports, contact creditors and credit bureaus, as well as the FTC. They work with you to resolve the numerous problems that you will encounter as a victim of identity theft.

The best identity theft solution is to protect yourself, and acquire the information you need to keep yourself from becoming a victim. Guard your personal information, and only give it out if you are sure it is needed.

If you receive a call telling you that you have won a valuable prize, and they just need to verify your information, ask them to send you a written application. If they refuse, hang up the phone.

Regularly check your financial statements. Keep track of your charges, so you will know if any fraudulent charges have occurred. If you don’t receive your statements, contact the financial institution immediately. Your statements could be sent to an alternate address so you won’t notice the extra charges on your bill.

Never give out your social security number on the internet. If you frequently access your financial accounts online, run your anti-spy ware program before accessing your accounts. Frequently update your virus protection and anti-spy ware programs.

A common identity theft fraud is to send out emails that appear to be an official correspondence from a company that you do business with. They will tell you that there is a problem with your account, and they need you to send your social security number, or your credit card number to them to solve the issue. If you receive this type of request, do not respond to it, or click on the link in the email. You can either call the company to verify your information, or go to their website by typing their web address directly to the browser address bar.

As the incidence of identity theft increases, the criminals continue to develop new ways of attempting to get your personal information. The majority of them would rather take the easy way out, and victimize people who are unprotected, and unaware of the steps you can use to protect yourself. Be vigilant about protecting your personal information, and keeping your computer secure. That is the best identity theft solution.

Why Most ID Fraud Solutions Don’t Work But VPN Software Does

Lifelock, the largest identity theft insurance purveyor was sued by the Federal Trade Commission and settled in March 2010 to pay million to settle charges that it made deceptive claims about its ability to protect customers from identity theft. FTC Chairman, Leibowitz said that “this was a fairly egregious case of deceptive advertising. They promised protection and didn’t deliver”. To make matters worse, Experian, one of the three big companies that track credit histories has sued Lifelock to stop using Experian services because it is diminishing the value of their fraud alert system by repeatedly firing off false alarms thereby making credit issuers pay less attention to them. A typical case of ‘Cry Wolf’. And if that wasn’t enough, certain States like New York are suing Lifelock to prevent them from selling it in NY because it’s not really insurance.

So why are people buying identity theft protection? It doesn’t stop ID fraud, it doesn’t reimburse you for money that is stolen and it doesn’t fix your credit standing or clean up a criminal record acquired in your name. People have been misled by LifeLock, Identity Guard, ID Watchdog, Identity Truth and Trusted ID into believing their promises to restore your ID, prevent ID fraud, and pay for all your lost wages and guarantee large sums of money. These companies are scamming the public while 11.2 million people became victims of ID fraud last year. Identity Theft protection didn’t help and neither did antivirus. So how can we prevent online crime which is about 65% of all ID theft?

The only way to stop online ID theft, which is the majority of ID theft, is through a simple to use premium VPN software (virtual private network). Currently most computer users have antivirus which protects your computer but it does not protect your data once it goes out on the internet. To do that, use premium VPN software and it will secure your financial data, emails, files, business transactions, downloads, pictures, Skype, Facebook, Google; literally everything you do on the Internet. Like antivirus it’s VPN software and in particular premium VPNs run 24×7 on your computer while protecting all your data online. All your online activities become secure and cyber criminals will no longer have access to your data because the connection is securely scrambled and they don’t have the key to break in. End of danger to your credit cards, ID information and banking login information – And only premium VPN software can do that for you.

My Credit Repair Advice: Don’t Pay for Free Credit Reports

My Credit Repair Advice: Don’t Pay for Free Credit Reports

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Home Page > Finance > Real Estate > My Credit Repair Advice: Don’t Pay for Free Credit Reports

My Credit Repair Advice: Don’t Pay for Free Credit Reports

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Posted: Oct 29, 2010 |Comments: 0
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When people ask for my credit repair advice, I always start with one important piece of information: Consumers should never pay for free credit reports.

Surprisingly, many consumers do unwittingly pay for credit reports that should be free. Sites such as the misleadingly named FreeCreditReport.com have come under fire from consumers and their advocates for ads that critics say are misleading.

Visitors to FreeCreditReport.com can sign up to receive their three free credit reports – maintained by the credit bureaus Experian, Equifax and TransUnion – from the site. However, they’ll first have to provide their credit card information. They’ll then be signed up for a free trial of the site’s credit-monitoring service.

If these visitors forget to cancel the service after their free trial ends, they’ll find a .95 charge on their credit card statement. That charge will pop up again for every month in which they forget to cancel their subscription to the service.

Critics say that it would be far more honest to require consumers to give their consent to sign up for the service when the free trial ends. Of course, Experian, the company behind FreeCreditReport.com, would then not receive all those extra .95 payments.

Free Credit Reports Should be Free

My credit repair advice is to order your free credit reports instead from AnnualCreditReport.com. This site is maintained by the three credit bureaus. Under federal law, you can order one copy each of your three free credit reports from here once every 12 months. There are no charges to do so.

Once you receive your credit reports, you can then check them for any mistakes. This is the first step in the credit-repair process. You don’t want your credit reports to state that you missed three car payments in 2008 when you know that you made every payment on time. You don’t want it to say that you have 10 open lines of credit when you know that you’ve closed most of your open credit card accounts.

These mistakes can lower your credit score significantly. And today, it’s difficult to borrow any money from conventional mortgage lenders if you have a weak credit score.

Credit Repair Basics

If you’ve found errors, correct them in writing. This is inefficient, but it’s the only way the credit bureaus accept corrections.

Removing incorrectly filed negative information from your credit reports will boost your credit scores. But if you need to put in more work, you’ll have to go through two more steps.

First, pay all your monthly bills on time – never miss a payment or make a late payment. Both actions will cause your credit scores to suffer. Secondly, don’t run up your credit card debt. Lenders consider borrowers with high amounts of credit card debt to be credit risks. Set aside whatever money you can to pay down your outstanding credit card balances. The less credit card debt you have, the better it is for your credit scores.

And, of course, avoid filing for bankruptcy. Chapter 7 bankruptcy filings remain on your credit report for 10 years, while Chapter 13 ones stay there for seven. During this time, your score will certainly suffer.

Good Credit Repair News

The good news is that this credit repair advice is so easy to follow. Boosting credit scores really requires only that you act like a mature consumer.

• Don’t overspend
• Pay for your purchases with cash instead of running up credit card debt
• Pay your bills on time
• Eliminate as much debt as possible.

These are all tips that will help you live a less stressful life. It’s an added bonus that they’ll help you improve your credit scores, too.

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Kyle Sugerak -
About the Author:

HomeBuyersAssistant.com is a national company with a dedication to helping people achieve their goal of owning a home regardless of their current credit situation. My Credit Repair Advice programs are available for anyone who has a serious commitment to improving their situation. We can help you rent to own a home anywhere in the USA, even if you’ve been denied in the past. You can go from renting to owning the home of your dreams sooner than you ever thought possible!

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I looked up my credit score on free credit report.com and my credit score was above 640. So I decided to go to the bank and get a loan on a house but the mortgage specialist could not see my credit sc
Can I get a free credit report?
What are the three free credit reports ?

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Identity Theft Information in Florida: Don’t Be A Victim!

Identity Theft Information in Florida: Don’t Be A Victim!

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Home Page > Business > Management > Identity Theft Information in Florida: Don’t Be A Victim!

Identity Theft Information in Florida: Don’t Be A Victim!

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Posted: Nov 11, 2009 |Comments: 0
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There are six main types of identity theft commonly reported in Florida. Credit card fraud ranks first with more than 4,000 reported victims in 2007. Phone and utility fraud comes in second, bank fraud ranks third, fourth type is government documents or benefits fraud, while employment related fraud and loan fraud are fifth and sixth, respectively. According to one article from the Sarasota Herald Tribune, Florida ranked 6th in identity theft rating in the entire United states. The most common locations of these thefts are Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale.

There are probably numerous situations that led to the victimization of thousands of people but one reason that is often disregarded is the failure to properly dispose of documents like financial records, credit card reports, payroll records, employee profile records, medical files, and others. Whether you leave these files out in the open or you throw them in the trash, other people will get a hold of them. In fact, throwing away closed but confidential documents is a no-no. This is because “dumpster diving” in Florida is legal! “Dumpster diving” is a practice in which people go through others’ trash in search of anything they could benefit from. It could be broken furniture, old gadgets, or discarded documents. The bottom line is, once it’s in their hands, you can’t do anything about it.

In order to avoid becoming a victim of identity theft, make sure you keep confidential and important documents in a safe place; and when these documents expire, you’re next step should be proper and secure disposal of them. One way of disposing files safely is by shredding. If you have a lot to shred, ask for the help of professional shredding companies. Shred-it is one of them. You can look for other companies closer to your area on the net.

These companies provide secure shredding of files, and other forms of file storage systems like digital storage (e.g. computer hard drive, CDs, DVDs, video tapes, cassette tapes). Document shredding is the most basic service. You can have employee records, old financial records, or payroll records destroyed. For medical institutions, patient records and other medical files could be disposed safely as well. Medical record destruction is part of the policy of hospitals. This even includes X-ray film destruction of old patients.

Most companies charge by the pound but they also offer services for recurring and one-time shredding needs. You can also opt to have the file disposal process on-site by asking for their mobile shredding services. This is particularly convenient for companies that have a lot of files to get rid of, or simply do not have the time to take boxes of documents to a shredding company.

Shredding companies are now conveniently available in many locations around the state. Companies that serve in South Florida can be found in Fort Lauderdale, Aventura, Hollywood, Hallandale Beach, Pompano Beach, Lighthouse Point, Boca Raton, Miami, Miramar, Miami Beach, North Miami Beach, Tamarac, Coral Springs, Coconut Creek, Davie, Cooper City, Weston, Sunrise, Palmetto Bay, Kendall, Homestead, and Plantation.

Also, to make sure you choose the right shredding company, ask them if they are HIPAA compliant. Some question you might ask are, “Where does all the trash go?” or “How sure am I that they won’t go through my trash?” Knowing that they comply with the Health Insurance Portability and Accountability Act (HIPAA) should leave your mind clear of having your documents misused, and destroying the environment and. The act, in essence, guards the community against waste, fraud, and abuse in health care delivery and health insurance.

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RecordShred Inc.
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Website: www.recordshred.com

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What should be done about information theft ?
I need reliable articles on rape victims and abortions, I am writing my final essay for my English comp one class in college, and i am having trouble finding information i need, where can i find this?
I just sold my lap top how do i ensure any information contained on it is removed but i dont have the operating discs or the drivers for it

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shredding, secure shredding, identity theft, mobile shredding, shred it, dumpster diving, medical files destruction, x ray film destruction, financial records, payroll records, document shredding, hipaa compliant, serves south florida including fort lauderdale

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Preventing Identity Theft – Don’t Lose Your Identity

Preventing Identity Theft – Don’t Lose Your Identity

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Home Page > Finance > Personal Finance > Preventing Identity Theft – Don’t Lose Your Identity

Preventing Identity Theft – Don’t Lose Your Identity

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Preventing Identity Theft – Don’t Lose Your Identity

By: Manuel Davis Jr.

About the Author

Find more information about the Top Credit Monitoring Companies: Best Credit Monitoring Services

If you would like to find out more information about credit monitoring and other credit related topics you can read more articles here:
Credit/Credit Monitoring Articles

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Article Source: http://www.articlesbase.com/ – Preventing Identity Theft – Don’t Lose Your Identity

Identity theft is the fastest growing crime in America today. More than 9.9 million Americans were the victim of many types of identity theft scams in 2004, which ended up costing them almost billion. Most identity theft victims suffered sever financial damage and even financial ruin because they thought identity theft would not happen to them. No matter what your current financial state is like, where you live, or what your spending habits are, you are a target for identity theft. The truth is that everyone is at risk for identity theft, but fortunately there are things you can do to prevent identity theft from happening to you.

It may seem simple, but shredding all documents you receive that contain any of your personal information is one of the best ways to prevent identity theft. This includes credit card receipts, bills, and pre-approved credit applications. This important step alone can give you great protection against identity as the majority of identity theft originates from financial documents that were thrown away or intercepted.

You should also remember never to give your personal information to anyone over the phone, through the mail, or on the Internet. Identity thieves will often claim to be from various sources including your bank, the government, or even law enforcement to get you to divulge your personal info. You should always keep your personal information private in order to prevent identity theft. If you are contacted by a legitimate institution, make sure you check the validity of their claim and do not give information on the first contact. Call or contact the company directly to make sure it was really them who contacted you.

It is also important to check your credit report from all three major credit bureaus once a year to make sure everything is accurate and there is no suspicious activity. If you find an error or something suspicious dispute it immediately to protect your credit and prevent identity theft. Always be aware of when your bills should arrive every month and always check them over carefully to make sure there are no unknown charges. Identity thieves will steal your credit card statements and other bills and then use the information for their own gain. This type of identity theft has been around for years and is the oldest type of identity theft.

Another way to safeguard your identity is not to use common numbers as ATM passwords. Your birthday, address numbers, and part of your social security number are all easily accessible to thieves who steal your wallet and ATM card and will allow them easy access to your cash. You should also never carry your social security number in your wallet in case it is stolen. Your social security number should be safeguarded at all costs and you should also be very discriminating in who you give it to. Generally the only people you need to give it to are your employer, doctor, and financial institution. If another company asks for it, find out why they need it and decline to give it to them if they do not need it for tax reporting purposes.

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Manuel Davis Jr. -
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Find more information about the Top Credit Monitoring Companies: Best Credit Monitoring Services

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Source:  http://www.articlesbase.com/personal-finance-articles/preventing-identity-theft-dont-lose-your-identity-354926.html

Article Tags:
credit monitoring, identity theft, prevent identity theft, identity theft companies, id watch dog, equifax, experion, transunion, my fico, credit score, credit score monitoring

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