Tuesday, September 14, 2010

Have You Been a Victim of Identity Theft?

Below is an excerpt of a helpful guide provided by Privacy Rights Clearinghouse to get your identity back.

The guide provides victims of identity theft with instructions on how to regain their financial health and who to contact for more help. You must act quickly and assertively to minimize the damage.

If you want to stay protected in the future, be sure to sign up for iDefend and let our identity specialists manage everything for you. To learn more about the 25 + resources mentioned in the guide, click here.

Identity Theft: What to Do if It Happens to You

You apply for a credit card and are turned down because of a low credit score, yet you know that you've always paid your accounts on time.

A debt collector calls to demand payment on a six-month overdue account for a credit card you have never had.

You receive a credit card in the mail that you've never applied for.

What's happening? You could be the victim of identity theft, where an imposter is using your personal information to obtain credit. Then when the thief does not pay the bills, the company itself or a debt collection company contacts you to demand payment. As a result, your credit report is likely to contain negative information about your bill-payment history, and your credit score has probably been lowered considerably, making it difficult or impossible to obtain new credit yourself