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What Should I Check when Dealing with Identity Theft in Credit Reports?

By Derek Brown
Published: Saturday, September 10th, 2011

Most people today have bank accounts and makes use of credit cards.  If you have these, you should know that you should be receiving monthly statements and reports about transactions in a given period.  This would list all transactions that have been made in the recent month.  If you are not receiving any, you should get in touch with your bank or your credit card company to check why you are not receiving your monthly credit reports and where they are being sent.  This might be an early sign of identity theft.

If you are told that they have been sending your monthly credit report to you, verify the address to where it is being sent.  It should match your exact address.  Sometimes, a single difference in letter or number will reroute your mail to another address.  If, however, YOU are provided with a whole new different address that is possibly not familiar to you, let them know immediately that it is not your mailing address.  Have them check if there were any calls made or letters sent requesting a change of mailing address.  Take note of the date when that call was made or when the letter was sent.  Have them change it back to your real mailing address and request all your credit reports since the time you did not receive them to be sent to you.  In obtaining all your reports, review all items listed.  Check for any signs of fraudulent or identity theft acts.

Some people do not really review the items listed in their credit report.  This should be read and understood completely to verify if all transactions listed were legal and was actually made by you.  It is important that you keep track of all transactions you make with your credit card to be able to make a comparison.  Check every transaction date, the item that might have been purchased, and where it was purchased.  List all unknown transactions down so when you have disputes about your report you are ready to give them the exact information.  Verify with family members if any of them have made the transaction without your knowledge.  If it is still unclear to you, maybe it is time for you to dispute.  If you are suspicious of a possible case of identity theft based on listed items in your credit report, inform your bank or credit card company immediately and request for further action before it gets any worse.

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