Identity Theft And Credit Cards
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
Identity Theft and Credit Cards: How to Protect Yourself
Overview
Identity theft is increasingly common, and credit card companies along with banks offering debit cards now include Identity Theft Protection services. If you find yourself a victim of identity theft, with your name or social security number misused, here are some essential steps to manage the situation effectively.
Steps to Take if You're a Victim
Contact Credit Bureaus
The first step is to reach out to the fraud departments of the three major credit bureaus:
- Equifax: 1-800-525-6285
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289
Request a fraud alert on your file and ask the bureaus to notify you of any new accounts opened in your name. Also, request copies of your credit reports for review.
Inform Creditors
Next, contact your creditors directly?"these are the companies that issued your credit cards. Speak with their security or fraud departments to report the issue.
Report to Authorities
File a report with your local police department. Additionally, report the crime to the Federal Trade Commission (FTC) by calling 1-877-438-4338. You can also request their free publication on identity theft for more information.
Managing Your Credit Reports
Under the Fair and Accurate Credit Transaction Act of 2003, consumers are entitled to one free credit report from each of the major bureaus annually. Access these reports at [annualcreditreport.com](http://www.annualcreditreport.com) or call 1-877-322-8228.
To maximize this benefit, request a report from one bureau every four months. Be cautious of other sites offering "free" credit reports, as they often have hidden fees. The authorized website is your safest option.
Handling Credit Card Offers
Many receive credit card offers in the mail labeled as pre-screened or pre-approved. Generally, these letters are secure from identity theft risks. If you're replying to an offer, send it through the post office directly.
Receiving these offers doesn’t affect your credit report negatively. However, if you prefer fewer offers, you can opt out at [optout.prescreen.com](http://www.optout.prescreen.com) or by calling 1-888-5-OPTOUT.
Remember, pre-screened offers are exclusive and not available publicly, usually sent only through mail.
By following these guidelines, you can better safeguard your identity and manage any potential risks associated with identity theft.
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