Someone
uses your name to commit fraud. Now you’re a victim of identity theft.
WHAT
YOU DON’T KNOW WILL HURT YOU
Identity
theft is caused when a thief uses your identifying information: social security
number, credit card info etc., to obtain goods or services and you foot the
bill. Anyone can become a victim of identity theft, and it’s easier than you
think. You may be a victim already and not even know it! All a thief needs is to
have access to your mail, a lost or stolen wallet, or even your trash! By the
time you finally discover you’ve become a victim, the damage caused can take
months or sometimes years to correct. During that time your credit continues to
suffer. Click Here.
YOU CAN
HELP PROTECT YOURSELF
The first step in protecting yourself from the identity thief is to take and maintain control of your identifying and credit information. The following helpful hints will reduce the possibility of your personal information being obtained and misused by an identity thief.
Protect your mail by installing a lockable mailbox at your residence or obtain a post office box from the post office. Mail bills from the post office or a secured postal service mailbox.
Protect your Social Security Number. Never give your Social Security Number out over the phone, especially cordless or cellular phones. Do not have your social security number printed on personal checks and do not allow merchants to write it on your check. Although there are still a few states that utilize social security numbers on driver's licenses you can request the issuance of a drivers license number. Do not carry your Social Security Card, Birth Certificate or passport unless absolutely necessary.
Protect any documents that contain your personal information. This would include any and all mail, credit card receipts, bank deposit slips, ATM receipts, cancelled checks, pay stubs, old bills, credit card offers and any documents with your name on them. Never throw any of these items in the trash. We recommend shredding any documents you wish to discard.
Keeping a
close eye on your credit can help identify any suspicious activity early. The
earlier you catch it, the easier it is to correct. MoniTrust Credit Check will
monitor your file and alert you of ANY changes within your report.
This includes inquiries, new account and derogatory information. Knowing
the importance of maintaining an accurate credit file is the key to NOT becoming
a victim of identity theft.
WITH
MONITRUST CREDIT CHECK, YOU RECEIVE: Click Here to Sign Up Today!
-
Begin with a FREE
online credit report with info provided by Experian.
-
Quarterly
notifications (every 3 months) of ANY changes within your file.
-
FREE unlimited
copies of your credit report, files are updated monthly.
-
FREE access
to our toll-free Credit Advisory Hotline. Get immediate assistance regarding
your report, updates or disputes.
FASTEST GROWING
CRIME IN AMERICA
According
to the Federal Trade Commission (FTC), there will be more than 700,000 cases of
identity theft expected for this year alone. As of this year, the FTC says that
it has been getting over 3,000 complaints every week via their identity theft
hotline, up from 285 in 1999. Identity
theft has been classified as the fastest growing crime in America.
DON’T
BECOME A VICTIM
The damage
caused by an identity thief can prove fatal to your financial and credit
standing that you worked so hard to achieve. The good news is there is
protection available. MoniTrust can
empower you with the knowledge and tools to protect yourself from this ongoing
threat. Quick, convenient, secure
protection that provides lasting peace of mind. Don’t become a victim! Click Here to Order Today!
WHEN SOMEONE USES YOUR IDENTITY
Generally identity theft victims usually do not find out they were victimized until after the damage has already has been done. For the victim, identity theft can be and most likely will be a very stressful challenge to recover from. However, immediate discovery is not only essential in limiting the personal financial damage that could result, but is also critical in bringing those responsible to justice.
Always carefully review credit card statements for unknown transactions. If you note any purchases that you did not make, notify the customer service department immediately.
If you do not receive a bill or credit card statement on time do not assume that your creditor simply forgot to send your bill. This is definitely not the case. Chances are the identity thief may have submitted a change of address to the post office or contacted your creditor and provided them with a new address and requested additional credit cards on your behalf.
CREDIT REPORTING BUREAUS
Equifax: P.O. Box 105069, Atlanta, GA 30374.
Report fraud: Call (800) 525-6285 and write to address above.
Order credit report: (800) 685-1111.
Web: www.equifax.com
Experian: P.O. Box 9532, Allen, TX 75013.
Report fraud: Call (888) EXPERIAN (888-397-3742) and write to address above.
Fax: (800) 301-7196.
Order credit report: (888) EXPERIAN.
Web: www.experian.com
Trans Union: P.O. Box 6790, Fullerton, CA 92834.
Report fraud: (800) 680-7289 and write to address above.
Order credit report: (800) 888-4213.
Web: www.transunion.com
To opt out of pre-approved offers of credit for all three bureaus, call (888) 5OPTOUT. You may choose a two-year opt-out period or permanent opt-out status.
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