Though identity theft is considered as a serious crime, there are people who face such serious situations at least once in their life time. Identity theft mostly occurs when someone else makes use of your personal details without taking your permission. These details can be your address, name, credit card details, account numbers of your bank, “social security number” and “medical insurance account number”.
How can you know that you identity has been stolen?
There are various ways by which, you can understand that somebody has stolen your information and get identity guard reviews. You can check the withdrawal details of your bank account and if there some transactions that you cannot explain be sure that your identity has been stolen by someone. Apart from this, there are various other things that will give you a clue about this like you do not get you bills and mails or you miss your medical bills and the facilities that they provide most of the time. Strange changes in your account can also mean that your identity has been hacked.
Who creates your credit report?
There is credit reporting companies that creates the credit report for you. That company gathers enough information about you and your credit history. Any details about your credit report can be gathered from here, if you think there is some confusion in the report made by them.
Fraud Alert: A brief idea
A fraud alter is basically an alarm or a warning bell that conveys you that someone is about to steal your identity, so before the credit company gives that fraud the credit, protect yourself. This alert actually preserves you and your credit. There are mainly three types of fraud alerts:
- Initial alert: lasts for at least 90 days. You can use this, when you think that identity is at stake.
- Extended alert: this has tenure of seven years and thus, protects your identity for a very long time.
- Active duty alert: lasts for almost one year. It is suggested that you can make use of this alert, if you are in deployed.
You might not have any knowledge about this, but there are special reports made for identity theft. Let’s know what these reports are all about:
This identity theft report is created with all those information that you provide to your local police and government. This is basically an official version of your statement preserved with the government. This report states everything, it will include a list of all your accounts and the changes that happened but were not made by you.
This report helps you in varied ways. They help you to get your bills and credit reports fixed. This report saves much of your money, it tells your creditors that you would not be paying for the payments or the changes that has been made by the person who has in really stolen your account and personal details.
These are some important information that you must know about identity theft and identity guard reviews. This info would help you further in your life to stay secured and safe.