Someone has stolen my identity and I've tried everything! From equifax to other credit score places and my information has been change therefor I cant get my credit report.I also flagged it a few years back when the info was right b/c got a letter in the mail saying I "might" be a victim of Identity theft. I have morgage loans, credit cards and who knows what else. Why this so difficult to fix? Where do I start? Thanks!!!!
2007-04-04 08:56:08 · 6 answers · asked by Heather84 1 in Business & Finance ➔ Credit
The first place to start would be the police. A lawyer would help, also. Keep in mind, though, it will take a long time to clean this up and get your identity back. As another person said, be sure to shred anything financial you get in the mail.
2007-04-04 09:04:35 · answer #1 · answered by Anonymous · 0⤊ 0⤋
This modern version of theft costs about $10,000 for every victim and constitutes nearly 70% costs borne by businesses and financial institutions. The miscellaneous expenses for consumers are also quite high, around $1,200 as against $500 on an average for the other types of identity thefts. The FTC approximates that the customer spends around 30 hours on average to sort out the problems. But theft experts consider this figure as way too low. As per the Identity Theft Resource Center, most victims devote 300-600 hours sorting the various problems resulting from identity thefts.
Major portion of the victim’s time is spent in attempting to erase the fraudulent accounts from credit reports. Many victims complain that the bureaus make them run around. The bureaus’ explanation is that the lenders keep on sending the account information to the bureaus even though they have been informed about the fraudulent accounts. But ultimately the victim suffers.
2007-04-05 03:24:16 · answer #2 · answered by See Saw 3 · 0⤊ 0⤋
I was a victim of ID theft when I was I was barely 20. The first thing you want to do is to file a police report,. It's going to take a long time to clean your credit report.
You must be careful who or which company you give your personal details. Also, whenever you throw out any documents or snail mail sent to you, always make sure you use a shredder to destroy the info. If you have a fireplace, it's even better to burn that stuff.
On the internet, make sure you use a strong firewall, antivirus software, anti-phishing and anti-spyware.
2007-04-04 09:02:53 · answer #3 · answered by Muga Wa Kabbz 5 · 0⤊ 0⤋
You need a good credit protection service.
With a professional service like you could give anyone your soc number or any other personal information and they would not be able to alter your credit.
2007-04-04 13:14:54 · answer #4 · answered by Tom T 3 · 0⤊ 0⤋
Call each of your Credit Card Companies and tell them you want to put a Password (name or number of your choice) on your account and unless someone gives them the password DO NOTprocess the transaction.
2007-04-04 09:31:21 · answer #5 · answered by newyorkgal71 7 · 0⤊ 0⤋
You will need a lawyer to dispute all things for you and clear it up. once that happens, you will need an identity theft shield. I can offer some help, if you are interested.
2007-04-08 01:56:48 · answer #6 · answered by gatorgirl 5 · 0⤊ 0⤋