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Have You Fallen Prey to ID Theft? Take Action Now.
So, just how can you tell if you’re a victim of identity theft, and what can you do about it?
If an identity thief is opening credit accounts in your name, these accounts are likely to show up on your credit report. Contact FFEF who can provide you with a Credit Score Review. This service will help you identify suspicious accounts that you have not opened or debts you cannot explain. FFEF will pull your scored, 3-in-1 credit report, analyze it, and assess the positive and the negative items listed. If there is any incorrect information on the report, FFEF will instruct you on how to correct these items. Remember, it’s important to check your credit reports periodically to make sure no fraudulent activity has occurred.
Stay alert for other signs of identity theft, like:
• Failure to receive bills or other mail. Follow up with creditors if your bills don't arrive on time. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks.
• Receipt of credit cards that you didn’t apply for.
• Denial for credit, or being offered less favorable credit terms (like a high interest rate) for no apparent reason.
• Calls or letters from debt collectors or businesses about merchandise or services you didn’t buy.
The First Steps to Take Should You Fall Victim to Identity Theft
If you become victimized by identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of all correspondence.
1 . Place a fraud alert on your credit reports, and review your credit reports .
Stay Alert for Identity Theft