SCF.org provides free resources for individuals, as well as fraud victims who are iinterested in learning how to better protect their secure information and avoid having their identies stolen.
Credit fraud and identity theft can be devastating to victims. While credit cards often have some type of protection against unauthorized purchases, people have to prove that the purchases were unauthorized. People may lose all of their money or spend thousands of dollars trying to clean up their ruined financial situation. Identity thieves can completely ruin a person’s good credit with their reckless and illegal behavior. The matter can take years to solve, if it ever gets completely solved at all, and victims will have restricted access to their own money and accounts in the meantime.
Identity theft is also serious crime and one can consider it to be one of the most dangerous thing happened with him in his life. This identity theft was over looked in past times. But with the
rise in new technologies to facilitate human business, they also brought in newer ways for thefts.
Now days, criminals dont roam off taking the shot guns and stealing just like that whatever you have. Now they plan to take what is very personal tit you and that is your identity. Though identity thefts were not practiced on larger scale in past times, they are son gaining importance to be taken care of. Many governments have also taken legal actions against anyone found guilty of doing such crime.
He is treated with same as any other criminal and perhaps the imprisonment and fine in amounts is greater than any other criminal. Now if you have understood that you have observed an identity heft and now you have realized amount of danger you are in, what are steps that you should take to stop any further disaster? Let us discuss some of the immediate generalized steps and then planned and long term action steps.
Immediate actions to take As first step, in case of your credit card being stolen, at first call the credit card provider company and inform them about the accident. They will immediately block al further transactions from your card and that criminal will not be able to use it. Also inform police department so that they with the help of these provider companies start tracing criminal from his last transactions. In case of mobile phone loss, follow same above mentioned steps. Informing police is always first and most important step. The earlier you inform them; earlier is the action taken.
Planned steps Following are some simple step to take when you experience identity theft.
At first, have check on your credit report. Make sure that there are no such new credit inquiries or accounts that have been created. If you suspect some fraud in your report, immediately contact the fraud department and make them notice this.
Place a fraud alert to all major credit bureaus and inform them about the accident happened. They place fraud alert on your credit file and then no new dcredi5t is issued without your permission.
Start talking with the provider company and start your research. Have a review with their officials on your account and update with new changes. If something major is wrong, you better close away the account and have new account opened and let the company give the password to you.
File a police report of fraud in area where the fraud happened. Get the copy of report and have it submitted to credit card companies, banks and keep one copy with you for further works.
Also try with different government organizations and have them involved in this. Also update their database with your case. This sometimes helps because you may have same criminal which already have another case files on him.
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