Identity Theft by Phishing
Stealing Your Life: The Ultimate Identity Theft Prevention Plan
by Frank W. Abagnale

Stealing Your Life is more frightening than a gory murder mystery. Any one of us, from cradle to grave, is vulnerable to a swindle that can wreck us emotionally, cost us serious money, ruin our credit ratings, and take us years to straighten out. Identity theft is here to stay, and as long as legislators, businesses, law enforcement agencies, and individuals fail to take it seriously, the number of victims will continue to climb.

For thirty-two years, the author has been a law-abiding citizen; his criminal past, famously recounted in the book and film "Catch Me If You Can," is a distant memory. However, he knows how crooks think, and this knowledge has led to a lucrative career as a consultant for the FBI and corporations all over the world in preventing frauds and scams. Abagnale is horrified at how easy and tempting identity theft is for the budding criminal. He calls it "a crook's dream come true."

     

Identity Theft by Phishing

Identitiy Theft Victim - 3 Things to Do

Identity Theft by Phishing * Identitiy Theft Victim - 3 Things To Do

Identitiy Theft Victim - 3 Things to Do ASAP   
Carl LaFresnaye

Are you an identity theft victim? Maybe you suspect it's because you spend your entire life online.

You shop, you bank, you watch movies, listen to music, catch the news, make your major life decisions online. So what? Lots of people do and they never become an identity theft victim.

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An identity theft victim only has less than 50% chance of the crime being perpetrated on the Internet. That means if you get victimized, you were more likely targeted in your offline, rather than your online, life.

However it happened, here are 10 things you can do to recover from the situation.

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Identity Theft Victim - 3 Steps in the Right Direction

1. Call any of the three major credit bureaus (Experian, Equifax, TransUnion).
- Whichever bureau you call will notify the others and they'll all flag your credit files. - Credit issuers will now have to call you first before giving any further credit.
- As an identity theft victim, you get three, free reports.
- Inform the bureaus and all credit companies in the reports on which entries are fraudulent. (The bureaus block all fraudulent info to protect the identity theft victim.)
- You can even have the bureaus write whichever firms received the fraudulent reports in the last half-year to let them know entries are disputed/erroneous.
- Ask if, in your state, a police report can get the fraudulent entries removed from your report.

2. Call your local police agency
- Ask for a police report (furnish as many supporting documents as possible).
- The police report should include all the disputed accounts.
- Ask for the investigator's telephone numbers to give to parties who want to verify that you are indeed an identity theft victim.

What if they don't want to file a police report?
- If your case involved the US Postal System, try to get the report from the Postal Inspector.
- If a driving license under your name is involved, try your local DMV.

3. Call the FTC
- The FTC will not investigate your case, but if you call them, they can give you pointers on what to do next.
- The FTC website also has downloadable forms of the documentation an identity theft victim will need.
- One of the most important documents is the fraud affidavit (download from http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf)

Tip: There is NO law that requires an identity theft victim to pay to have the affidavits notarized. If a creditor asks to verify your signature, you can have witnesses sign instead.

Finally, don't be harassed by any creditor into paying debts that are results of fraud. Take down names, dates, times for every complaint and collection agent who calls you, cooperate, but don't pay. Neither should you file for bankruptcy.

As an identity theft victim, you're protected by federal and state laws and your credit rating will not be affected permanently.


Index of Articles about Indentity Theft

What Other Authors say about Indentify Theft

Identity Theft Crimes by Tony Robinson

The cost of identity theft crimes is ranging in the billions, since everyday someone is robbed of their identity. The FBI, Police Departments around the world, Government and other teams are joining to...

Internet Identity Theft - What to Do in a Catch 22 by Carl LaFresnaye

Internet identity theft has claimed 2 million adult American victims within a recent 12-month period. Among this number, 70% used the Internet to transact business with their banks or pay bills. More than...

Definition of Identity Theft - The Fastest Growing White-collar Crime in America by Carl LaFresnaye

That is what identity theft is, according to the FBI. But simplest definition of identity theft is when someone steals your name and personal data to commit fraud, often for financial gain. The most common...

Identity Theft Tips by Tony Robinson

Identity theft is an ongoing crime, that in the year of 2004 alone more than eleven million victims lost their identity. Now that we are in recession, the world is in chaos more so than ever and many people...

Rising Identity Theft Crimes by Tony Robinson

Each year identity theft is on the increase according to the Federal Trade Commission (FTC). Since 2004, a shocking rate of eleven "million" have fallen victim of identity theft. At the same time, experts...

Identity Theft Alerts by Tony Robinson

If you fall into the hands of an identity, theft it is important to continuing monitor your credit reports and any financial statements throughout the legal process. You will need to check your reports...

Under Which Type of Identity Theft Are You Most Vulnerable? by Carl LaFresnaye

No mater the type of identity theft, the object of the thief will always be to impersonate you by using your personal data and identifying documents to steal your money and resources, leaving you with...

Identity Theft Fact - 10 Things to Guide You by Carl LaFresnaye

The most pressing identity theft fact today is that Americans have become more vulnerable than ever before to all types of identity fraud and theft. As we manage more of our lives online and transact more...

Identity Theft, Even After You Die by Gary Gresham

Believe it or not identity theft has moved to the dead. It is compounding more and more family's grief because con artists are digging up identities of the deceased. The identity of someone who has died...

Identity Theft Victims Persecuted by Tony Robinson

When a person becomes victim of identity theft the law, the thief, creditors and others often persecute them throughout the battle to restore their identity. Thus, in this article I am providing you legal...

Thieves of Identity by Tony Robinson

Thieves come in all forms, including dressed in business attire, sweats, or tuxedos. Identity thieves are government reps, bankers, religious leaders, famous persons, homemakers, cops, lawyers and so forth....

Identity Theft Law - Protect Yourself from Thieves by Exercising Your Rights by Carl LaFresnaye

Over the past few years, each new identity theft law seeks to protect consumers and businesses from what statistics show to be one of the fastest growing crimes in America today. Know your rights and what...


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