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How You Can Avoid Becoming A Victim Of Identity Theft
To reduce or minimize the risk of becoming a victim of
identity theft or fraud, there are some basic steps you can
take.
The most important one is to ask periodically for a copy of
your credit report. This is crucial because it is the surest and
quickest way to determine if someone is using your name. Your
credit report should list all bank and financial accounts under
your name, and will provide other indications of whether someone
has wrongfully opened or used any accounts in your name. Any
discrepancies should send up a red flag for you.
Next, be careful about giving out your personal information to
others unless you have a reason to trust them. Start by adopting
a "need to know" approach to your personal data.
Your credit card company may need to know your mother's maiden
name, so that it can verify your identity when you call to
inquire about your account, but a person who instead calls you
does not need to know that information. Also, limit the personal
information you have on your bank checks.
Be suspicious of someone who calls you on the telephone and
offers you the chance to receive a credit card, for instance, and
asks you for personal information. Request that he send you a
written application form. If they refuse, tell them you are not
interested and hang up.
If you're traveling, have your mail held at your local post
office or ask someone you trust to collect your mail while you
are gone.
Do not give out personal information when you are on the
telephone in a public place where people can listen in to your
conversation.
Check your financial information (credit report) regularly,
and look for what should be there and what shouldn't.
And remember to ask periodically for a copy of your credit
report.
To obtain the excellent credit report service, avoid becoming
a Victim of Identity Theft, get FREE online Credit Report, make
your Credit Score higher or correct your credit visit Legalhelper
( http://www.legalhelper.ws ).
Your credit score is important for obtaining credit. Your
credit score is important to know, whether you need a new credit
card, an auto loan, or a mortgage. Lenders use your credit scores
to decide whether you are a good credit risk. If you have a high
credit score, you are more likely to obtain the best rates.
About The Author
Alex Katz - Security Analyst
MORE RESOURCES:
Credit - Google News
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