Criminals use people's names, Social Security numbers or credit card numbers to rack up debt and commit fraud. According to the Federal Trade Commission (FTC), as of 2005, 8.3 million Americans were the victim of identity theft. Most people don't find out until they start noticing subtle red flags, such as strange credit card statements or mail that isn't coming to their home any longer.
Instructions
- 1
Order a credit report. According to the FTC, one of the top signs of identity theft is unexplained accounts. Consumers are entitled to a free credit report every 12 months from all three credit bureaus (TransUnion, Experian and Equifax). Order credit reports online (see Resource list) and highlight accounts that you don't recognize.
2Review personal information on credit reports. After reviewing all accounts on your credit reports, look for other signs of identity theft. According to the FTC, inaccurate personal information, such as addresses and employers, could be a red flag.
3Pay attention to missing mail. If you stop receiving credit card statements, it might not be a glitch. Follow up with creditors right away. Discuss recent activity on your account. Oftentimes, identity thieves will change mailing addresses to cover their tracks. Also, watch out for credit cards that you didn't request.
4Call collectors back. If debt collectors start calling your house, don't assume it's a misunderstanding. According to the FTC, identity thieves will open accounts, charge them to the maximum and leave you in debt.
5Ask questions if you're denied credit. Many people suspect identity theft when applying for new credit. For example, a consumer may believe he has stellar credit. However, the lender may offer him an unfavorable interest rate. In these cases, it's important to investigate the possibility of identity theft.
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