Dealing with Your Credit Score After Identity Theft
By admin • Mar 10th, 2009 • Category: Credit Card Theft and Fraud, Identity Theft, Identity Theft Protection
Identity theft remains one of the most common and the most serious crimes committed in the world today. In fact, statistically the average person runs the risk of becoming the victim of identity theft once every ten years. One of the negative aspects of identity theft is the terribly negative impact it can have on your credit score. Through this article you are provided the information you need in order to properly deal with your credit score after you have been the victim of identity theft.
The first step that you need to take after you have become the victim of identity theft is to contact law enforcement authorities. The fact is that many banks, financial institutions, credit card companies and so forth will require a police report in order to completely assist you in dealing with the fallout from identity theft.
The second step that you will need to take in the aftermath of identity theft is to contact each of the three major credit reporting agencies directly. You will want to notify them of the situation so that two things can occur immediately:
1. The agencies can place a fraud alert on your credit reports.
2. The agencies can provide you a copy of your credit reports, including your credit score with each of the agencies.
Armed with this information, you will be able to focus in on any unauthorized activity that may have occurred as a result of the identity theft. This includes being able to identify any unauthorized accounts that may have been opened up in your name as a result of the identity theft.
You will then need to prepare an appropriate affidavit that will be provided to you by the credit reporting agencies. Once you submit this information, the agencies should take fairly immediate steps to correct your credit report and your credit score.
As mentioned previously, identity theft is a very common crime today. Therefore, the three major credit reporting agencies really are inundated with requests to correct credit reports and credit scores. Therefore, when it comes to correcting your own credit report and credit score after identity theft you need to make sure that you stay on top of the situation. In other words, if you do not see a change in your credit report and your credit score within about thirty days at the outside you need to make contact with the credit reporting agency yet again.
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Dealing with Your Credit Score After Identity Theft…
One of the negative aspects of identity theft is the terribly negative impact it can have on your credit score. This article will give you the information you need in order to properly deal with your credit score after you have been the victim of ident…
Here in a nutshell is the best way to avoid this type scam:
DO NOT ANSWER ANY E-MAIL asking for personal financial data.
EBay, Paypal, banks and other institutions never use e-mail for such purposes.
If you are concerned about your accounts initiate the contact yourself, then you’ll know you’re dealing with the right party.
NEVER GIVE YOUR PIN NUMBER to anyone for any reason. The only purpose it has is to relieve you of your money. Merchants don’t need it when you make purchases.
DO NOT USE DEBIT CARDS or your checking account for online or phone transactions, in spite of Paypal’s inducements. Use a consumer protected Credit Card. You have much better protection. I recovered my money from the bank as this was a case of fraud, but it took several months. Since then I have received any number of similar messages, purportedly from eBay and Paypal. You can forward them to spoof@ebay.com for verification.