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

Report Identity Theft

Identity Theft by Phishing * Report Identity Theft

Report Identity Theft… But Whom Do I Call First?   
Carl LaFresnaye

So you either suspect or know you've been targeted, where do you report identity theft?

The first place you should call would be your bank, credit card company, or the store where you have a line of credit. This should immediately alert the institution and minimize your liability. You'll find it easier to get out of the problem when you show that you did all you can to report identity theft.

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However, time is of the essence! Don't waste time wrangling with a store underling. But make sure you take down everyone's name, including dates and times!

Then report identity theft to the following agencies, depending on your specific circumstances.

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Report Identity Theft to the Federal Trade Commission

If you have any difficulty when you try to report identity theft to any of the above institutions involved in your case, hang up and call the FTC instead.

Mandated by the Identity Theft & Assumption Deterrence Act of 1998 to receive and process complaints from identity theft victims, the FTC is also given the responsibility under federal law to refer complaints to the appropriate agencies. This includes the major credit and police agencies.

You have two options:
- Use their hotline, 1-877-IDTHEFT (or 1-877-438-4338)
- Use their complaint form at http://www.consumer.gov/idtheft

Report Identity Theft to the Social Security Administration

Okay, here's the bad news: The SSA doesn't usually give help to victims of identity theft. But they have mechanisms in place so you can fix the problem.

You have three options:
- Use their hotline 800-269-0271
- Use their complaint form at http://www.socialsecurity.gov/oig
- Change your number (Only an option if you fit the SSA's victim of fraud criteria. Visit http://www.ssa.gov/pubs/10064.html for details.)

More bad news: Even if your SSN has been hijacked and report identity theft to all the proper entities, getting a new SSN may not make the problem go away completely.

A new SSN is not an assurance that you'll get a fresh credit record. Bureaus may end up combining all your credit files from both your old and new SSNs anyway!

What's more, even when your fraudulent, spotty history is no longer attached to your new SSN, having no credit history under a new SSN may make it hard for you to get credit!

Report Identity Theft to the Three Major Credit Bureaus

You should be familiar with these three offices, since you must already be requesting free, periodic credit reports from them by now.

Call the following numbers to report identity theft:
- Equifax 800-525-6285
- Experian 888-EXPERIAN (or 888-397-3742)
- TransUnion 800-680-7289


Index of Articles about Indentity Theft

What Other Authors say about Indentify Theft

Social Security Identity Theft - What Thieves Can Do and How You Can Stop Them by Carl LaFresnaye

Social Security identity theft figures in many complaints received by the Federal Trade Commission since it gives the perpetrator the flexibility in terms of the kind of identity fraud he can commit. Unlike...

When to Fight Identity Theft by Tony Robinson

The time to fight Identity theft is now. If you are not a victim of identity theft, do not take any chances, since it is next to impossible if not impossible to restore your life once someone takes hold...

Identity Theft Resource - Top 5 Public & Private Websites by Carl LaFresnaye

The United States government and consumer organizations have compiled some of the best identity theft resource materials around. Many of them are available as virtual handbooks in PDF format at these three...

Learning about Identity Theft by Tony Robinson

Learning about identity theft is one of the most important things you will do in your lifetime, since millions fall victim each year. If you have fallen victim of identity theft, the time to come to blows...

Identity Theft Insurance - Should You Get One? by Carl LaFresnaye

Despite the recent drop in cases of identity theft and fraud among adult Americans (from over 10 million in 2003 to 9 million for 2006), a significant market still exists for identity theft insurance....

Identity Theft - Red Flags That May Indicate You're a Victim by Debbie Pettitt

You've heard the "buzz" about identity theft, but what exactly is identity According to Wikipedia, identity theft (or identity fraud) is the deliberate assumption of another person's identity, usually...

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...

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 Solution - A Three-Way Street by Carl LaFresnaye

An effective identity theft solution can't only be the work of a single entity. You can take all the precautions necessary, for example, but if your bank does not set up a proactive identity theft solution,...

Identity Theft - How to Cope With It by Jon Sterling

I receive a demand for overdue payments on a credit card I never had. What does it mean? It could mean identity theft. Someone somewhere has been using my identity to run up bills. Identity theft would...

The History of Identity Theft - Booming Technology, Booming Crime by

The early history of identity theft is closely allied with the history of the credit card. First appearing in American literature in the mid 1990s, identity theft's first targets were said to be consumers....


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