Mitchell & Webb Sound – Identity Theft
“Sounds more like a bank robbery.”
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Duration : 0:1:54
Categories: identity theft facts Tags: identity, Mitchell, theft, Webb
Identity theft prevention by Credit Freeze | www.IdentityTheft.info
The credit bureaus are keeping quiet about the best identity theft prevention option, the Credit Freeze.
They apparently dont want you to know about the credit freeze (a.k.a. Security Freeze) because once your credit is frozen they can not sell your personal credit information to numerous marketers.
We want you to know about this little known secret and ask that you share it with your friends and family; the most effective personal option for identity theft prevention is the credit freeze, period.
A credit freeze is a more effective method of identity theft prevention than a fraud alert (what Lifelock and others sell) because with a fraud alert, creditors still have access to your credit file and often ignore the alert and grant credit anyway!
So both methods are aimed at stopping identity thieves from obtaining new credit lines in your name but the credit freeze is a much more potent protection for consumers concerned with identity theft prevention.
Because the credit freeze is only obtainable directly from the credit bureaus (and they dont want you to know about it) there is very low public awareness about this identity theft prevention option.
It is easy to learn how you can freeze and unfreeze your credit at the three major credit bureaus through the use of a credit freeze. We show you how, step by step in this video.
Please visit http://www.IdentityTheft.info, for more information about a security credit freeze and identity theft prevention.
Identity theft affects fifteen million victims a year resulting in fifty billion dollars in fraud. As these numbers show the impact of identity theft is staggering.
What can you do to protect yourself? Hi, Im Bob Sullivan from MSNBC. The safest and frankly the only effective way to stop many types of identity theft is to place a security freeze on all three of your credit files.
A freeze prevents anyone from accessing your credit report. Without that credit history a company wont approve a loan or issue a credit card. So identity thieves can not get credit in your name.
Let me take you inside id theft for the info you need to get a security freeze.
Credit freezes arent free. Prices vary from state to state. If youre a victim of identity theft credit bureaus may waive the fee. You will have to contact all three credit bureaus; Experian, Equifax and TransUnion and provide them with your personal information. The process will be slightly different at each bureau.
At Experian you will first get this warning that a security freeze may make your life very difficult, but dont worry because it is not permanent. You can lift the credit freeze if in when you want to apply for credit. Now, pick your state. Then you will be asked for your name, social security number, date of birth, current and past addresses dating back two years, a copy of your drivers license and one utility bill. Notice you will pick a pin unlock code, write that down and put it in a safe spot. You will need it later to have the credit freeze lifted. Send the paper work by certified or overnight mail to Experian PO Box 9544 Allen, TX 75013 and in a few weeks you will get a notice from Experian that your credit file is frozen.
You will need to contact the other two credit bureaus too to be sure your credit is safe.
Again, it is important to note that to obtain the highest identity theft prevention level you must put a security freeze in place at all three credit bureaus.
To get a credit freeze from Equifax, send a certified letter with the requested information, a utility bill for proof of address, a police report if you are a identity theft victim and payment. Fees are different depending on where you live so you should check for your state online.
TransUnion wants similar information; a copy of your drivers license and payment. Send your credit freeze request to TransUnion Fraud Victim istance Department PO Box 6790 Fullerton, CA 92834. In a few states residents can apply by phone.
Security freezes offer real piece of mind to people who are worried about identity theft prevention. Remember a credit freeze may delay any new loans, credit applications or other purchases you legitimately want to make so you will have to plan ahead for thawing that credit freeze.
There is no full proof method of identity theft prevention but a credit freeze is currently the best option available.
Duration : 0:3:15
Categories: identity theft facts Tags: alert, alerts, bureau, credit, down, file, fraud, freeze, freezing, how, howto, id, identity, identitytheft, idtheft, lock, my, on, prevention, report, reports, security, theft, to, your
identity theft?
when i was 19 my step dad put a house lease in my name and had me sign contracts (even though i was unemployed and couldnt qualify on income) because his credit is/was terrible. i moved out of state and when i came back to get an apt on my own which i was declined due to the fact that he had been evicted and had put bills/utilities in my name. he refuses to pay these debts back and my credit is suffering…what can i do?
You must contact the credit reporting agency, identify the creditors, and then argue with each of them individually. The big question is were you legallly of age to sign the contracts, did you understand the contracts, etc. If he used your identity without your signature and express permission, he committed several acts of fraud and Identity theft. He could go to jail if you chose to prosecute. You could also sue, but if criminal acts were committed, then see your local District Attorneys office, fraud specialist.
Most people get a whole lot more co-operative when they hear that jail cell door slamming behind them,
Categories: identity theft facts Tags:
How can this identity theft case not be solved?
A couple months ago I got a call from a collection agency asking me to make a payment on the $6000 debt I owed to Sears. I told them I’ve never had a Sears account, and asked if they were sure they had the right person. They told me all my information and confirmed it was me. I told them someone must have opened the account without my knowledge and stolen my identity, but they told me that 3 payments had been made on the card, and people who steal someone’s identity don’t make payments on the account. I admit it sounded odd, but I just know it was not me that did it.
I filed a police report and stated what I knew. The collection agency told me that 2 addresses were listed on the account. One was mine, and the other was some apartment here in town. I’d never been to the other address and don’t know who lives there. The detective who took my case said that identify theft is rarely, if ever, solved, and that it may be months when I hear back from her about the investigation–if she calls back at all.
The collection agency continued to hassle me for payment, insisting I was lying about the identity theft because no one would make payments if it was. In addition, I received letters in the mail from Visa and MasterCard, cancelling my accounts with them. I had never missed a payment on them, but the letter said they do periodical credit reports, and mine showed up bad because of Sears, so they were cancelling my accounts. Next, I was denied an apartment because of this. And I was planning on getting a car loan, but I can’t do that, either. This is basically ruining my life.
What I don’t understand is how this can’t be solved. If the person made payments, they had to receive a billing statement. That statement had to be mailed somewhere. If I didn’t get it, it makes sense the other address listed on the account did. Someone got it if they made payments for 3 months. In addition, if they purchased the charged items in a store, they should be able to view footage of the sale. If it was online, it should have had a delivery address. Either way, there’d be video evidence or a paper trail. Why can’t the detective just check out the other address listed on the account? Someone got the statement and made payments, who else would it be? And if they can’t do that, what about tracking the purchases? I don’t see how this can ruin my life and never get solved.
Don’t you think the detective should be able to use the existing information to figure this thing out?
I suggest that you sue Sears for damages, including emotional harm. And then Sears will have a good reason to make everything right for you. Or else, Sears might end up having to pay you a lot of money.
If it comes to a jury trial. The jury is more likely to sympathize with you than with Sears.
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Online And Free Arrest Records Searches
A public arrest record retrievable is quite viable nowadays in the effort of conducting a criminal background check of a particular person. The free access to these arrest records would allow the public to discover some relevant details regarding the individuals who had been into legal proceedings in the past or at present. The arrest records contain the complete identity of the person involved. These records are useful for the general protection of the public.
