Identity theft is the number one crime in America. Tens of thousands of people who have always paid their bills on time are you waking up one day to their bank accounts to discover and drained, maxed credit cards in their name and ruining their credit.
Two weeks ago I was a victim of credit card fraud ... and I am as careful as you can be. Dealing with victims of fraud on a daily basis has taught me to constantly monitor my credit profile and bank accounts. In this particular case, that someonehad my Visa debit card information is collected and ran up thousands of dollars in costs. If I had not have been in the habit of monitoring my finances on an almost daily basis, I can write this despair was that my hard earned money is mounted in the form of a new plasma television on the wall some crafty crooks.
In my case, I became aware of the illegal activities of a not so pleasant visit to my online bank account. After picking me out of the soil and thusthe color back into my cheeks, I immediately placed a call to my bank to cancel the card. Luckily, my bank offers free fraud protection, but many are not. If your bank does not provide this important service, I recommend you to change banks.
I discovered the work before the post was even posted. The money was moved into the Credit Escrow and was not showing in my account, but the funding has not yet been released. My next call was the actual company, I had booked the transactionsAccount. They have been in 'pending transactions listed. "After a few phone calls I was able to reverse all illegal transactions on my account. I was lucky and within twenty-four hours the funds were credited back to my balance. Please note that I am at Credit Recovery Seminars to speak and teach people how to protect themselves from these predators. Luckily, I also practice what I preach. In this case saved my hide.
If it matters, the only safeWay to avoid identity theft, all the accounts that can be electronically accessed terminate to. Since this is not an option in today's age, and I will give you a short list of recommended precautions to protect yourself and your family from potentially catastrophic damage to your finances and credit rating.
Recommendation No. 1: Make sure all credit card and bank account, you are free to identity theft and fraud insurance. When I became a victim, I was immediately relieved, because my bankhad covered my ass.
Recommendation # 2: Do you provide a specialist ensures that your computer is adequate fire walls and a mobile network active safety. It is easy for a hacker to obtain your information and, if this is not the case. They have programs that track every keystroke on your computer and you use these programs to steal your data.
Recommendation No. 3: Carefully monitor your bank accounts on a daily basis. The criminal that was stolen from my dataLook for the shops at weekends, early morning, if I had done to discover themselves.
Recommendation No. 4: Purchase of any form of credit monitoring program. Many of these online programs are worth their weight in gold. Not only do they assign to changes in equilibrium and additions of derogatory credit, but above all, they alarm when you no credit cards are taken in your name. That is, as they hit the hardest. Through the Sit on the paper on a newAddress and opening new accounts in your name.
Recommendation No. 5: When buying a home and office paper shredder and use. Dumpster diving is still good for obtaining consumer information can be used.
With these simple steps, you are shielding yourself and your family from possible attacks. The threat of stolen your identity and money is real and not an active program in place, you might wonder broke down and fighting a hard battle for the finances and restore yourCredit. You never think it will happen to you until it does. Take my word for it!
Copyright yourcreditcures.com December 2005, USA
