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Your Credit Report and Identity Theft Relationship

Do not assume that you can not be an identity theft victim, it can happen to you in a broad daylight just in flushing of a second simply because you used your credit card to purchase a $5 thirst quencher meant to disorganize the rest of your life, or just out of trust, ignorance, misguidance you gave out your card number online for a certain transaction. Be careful and what is more, be informed.

Your Cedit Report which is a tracker of how pay your bills, repay your loans, etc offered by a Consumer Reporting Agency like Equifax may be helpful. If you are good at paying your bills then your credit report must be positive and it will give you good a good chance to receive credit from any company you approach.

An imposter may use your good credit report behavior as an advantage to get credit to settle his own problems. Keeping track of your credit report will help a lot to identify any uncouth transaction that may have taken place without your knowledge. I call it fraudulent attack and you should therefore report to a credit reporting company to freeze the account so that your credit issuers will seize accessing your information. This way, you will have stopped the Identity thieves from opening up new credit and loan accounts. If such is the case, be sure to report to the local police or to the police where the incident happened.

As much as you have become an Identity Theft Victim be sure to follow up the case to the end just to save your good credit report to avoid disappointments of future credit denial due to crimes you did not commit. Remember also that you have committed no crime and you are not supposed to pay anyone’s debt, so do not succumb to the debt collectors. Instead let them know the situation you are in and support yourself with the documents you have for each record of the case and they will not bother you at all. The law is there to protect you.

And by the way, remember to cancel a credit/debit card that has been used fraudulently and insist on getting a new one with a new account number. Fraudulent situations are not limited to crdit/debit cards only, there are other tools used by identity thieves you may need to be aware of.

Now that you know such Identity thieves exist, its time to take matters in to your hands and prevent any future attacks. Make sure that you do not use your credit/debit card without your conscience. If you notice any fishy situation interfering with your credit report, be sure to be alert. You can also work with Identity Theft Companies that can guide and help you say goodbye to such frauds and you will be 90% save if not 100%. Do not trust anyone when it comes to credit and money matters, even your own fresh and blood. The bible says that a man’s enemies are those of his own house hold. What makes you an exception???

I call this satanic exchange!!! You are good, you pay your bills, you are just a good citizen but all of a sudden, you become the most wanted by the law. Its not your fault anyway, and something needs to be done.

Identity Thieves can disrupt your life and turn it to a hell within seconds. You can become a wanted person illegally without knowing and even find yourself locked up in a jail cell for crimes you did not commit especially if you never noted that your credit report is changing. Be extra careful with this. Hope this information was helpful.

About the Author

This article is an original entity by Poly Muthumbi. To get more on this article please see Identity Theft and Credit Report Relationship.

Poly Muthumbi is an Author, Publisher, online marketer, web developer and an IT Consultant. For her hobby she can’t get away from the environment and is currently working with a community development marketing NGO.

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SC LAW.mpg

States consider security freeze laws.(UP FRONT: News, Trends, & Analysis): An article from: Information Management Journal $5.95 This digital document is an article from Information Management Journal, published by Association of Records Managers & Administrators (ARMA) on July 1, 2005. The length of the article is 457 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it w…