If you don’t, you will wake up one day in your bank account will be frozen, and you will have large bills from companies you have never heard of coming to your house. You will spend many frustrating hours on the phone trying to straighten this out.. The stories are chilling.
First, learn about identity theft from an agency that is there to protect us: The Federal Trade Commission. They have detailed identity theft tips to help you how to protect yourself and information about your credit freeze.
Here’s what to do about it. First, you have to accept you have to do something about it because you do. Assume that your information is out there and that a criminal can get it. There’s no substitute for your own work checking your bank account, credit card statements and credit records and acting immediately to limit the damage. What!? Yes. You have to do this.
Identity theft is not a joke. It will keep you awake at night knowing your credit and cause you to have unpleasant conversations with people on the phone you think that you are spoofing them and faking your own idea. you will receive fake emails, phone calls and letters that use your information and pretend to be known companies with which you do business. This theft affects six out of every ten U.S. citizens.
There are three credit bureaus, Equifax is just one.
First, check your credit right now: AnnualCreditReport.com. It’s free. You’re allowed to check one of your credit reports free every four months from one of the three bureaus. Look for strange accounts or mistakes.
Second, set up a security freeze. Unless you are applying to buy a car or house or get some financing, you don’t need your credit just sitting there available for a loan. Freeze it. Equifax has a dedicated call center at 866-447-7559, which the company says will assist consumers. The call center is open every day (including weekends) from 6 a.m. to midnight. you can also do it online with it, by phone or U.S. Mail. Here’s the contact information for all the Credit Companies. Yes, you have to do it with all three
Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348
Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013
Mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19022
you will receive A code number that you can use to unfreeze your credit. Do NOT lose this. So,……
NOW! or suffer the consequences.
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