A couple of weeks ago, a friend of mine mentioned that one of his co-workers recently recovered his stolen identity. I asked how long the process took. "Only two years" he replied. Compared to the six year nightmare suffered by one of my business associates, "only" maybe appropriate. However like most victims of identity theft, my friend's co-worker probably thought in terms of "when". As in, "When will I get my life back?" Privacy Rights Clearinghouse, a non profit consumer organization, reported that identity theft victims spend on average 175 hours trying to recover their identity, often over a period of years. Factor in out of pocket expenses which usually total, usually over $1,500 according to the Federal Trade Commission and recovery gets painfully magnified. What are the steps to identity restoration? It starts with obtaining a police report. You're going to need it for contacting the many and I mean many different agencies and organizations, including the Social Security Administration, The Federal Trade Commission, all of your financial institutions, the 3 major credit bureaus, the Passport Office, The Department of Motor Vehicles, the Post Office, and other law enforcement agencies as well as the Medical Information Bureau, since identity thieves now target hospitals and doctor's offices. All of these places must be sent a fraud notification alert. It is vital that you contact other law enforcement agencies. The databases of local and federal authorities must be searched to ensure no criminal activity exists on your identity. Concerning your financial institutions, get them to cancel your credit cards and close your bank accounts. Find out from your bank about any suspicious activity, such as accounts tampered with or opened fraudulently. Reopen new bank accounts with password verification. When contacting the credit bureaus make sure your credit report reflects the identity theft and gets flagged with a fraud alert. Dealing with all these organizations requires constant follow up. Make sure you keep a record of who you talk to along with the date, time and action taken. Many victims received assurances from the various bureaus and agencies that the matter would be resolved only to find the identity theft remained and that were still liable. If you do this yourself, be diligent. Constant follow up all the way to the end. This also requires knowing your rights. According to the Fair Credit Reporting Act of 1992, you must be told not only what's in your file but if that information is being used against you. The Federal Trade Commission recently expanded the rights available to victims of identity theft including your right to get negative information due to fraud blocked from your records. Stay Away from "credit repair "companies". No matter what they advertise, there's usually nothing they can do to help you with identity theft. Some of them even offer to help youapply for credit under a new identity. Hello? When trying to eliminate fraud from your record you don't want to create more fraud! Advise the utility companies. Many identity thieves open telephone accounts, purchase cable television or establish credit with the gas & electric companies. It's not just bank accounts and credit cards. If necessary get counseling. Identity theft can be a shattering experience not just economically but emotionally. Many victims feel ashamed and humiliated. It's not their fault of course but the feelings remain. A network of support groups and counselors exists if you need it. The road back from identity theft can take time, money, and cause much stress and pain . But with follow up, support and belief that the nightmare will end...the nightmare WILL end. Don't go it alone. Get free information concerning identity theft protection, 24/7 monitoring and fast restoration. Go to http://digbig.com/4cmcg now. Article Tags: Federal Trade Commission, Identity Theft, Road Back, Federal Trade, Trade Commission, Bank Accounts Source: Free Articles from ArticlesFactory.com .
Top blog stories
A review of Idmobile.com
Idmobile.com offers both pay-as-you-go and contract plans. Pay-as-you-go plans are ideal for customers who don't want to be tied down to a long-term contract, and they can purchase bundles of data, minutes, and texts as and when they need them.
Idmobile.com offers both pay-as-you-go and contract plans. Pay-as-you-go plans are ideal for customers who don't want to be tied down to a long-term contract, and they can purchase bundles of data, minutes, and texts as and when they need them.
AO.co is a trusted expert in TVs, washing machines, clothes dryers and other household appliances. AO.com is one of the largest retailers in the UK and it specializes in electronics, clothes and home furniture.
At Three, we believe phones are good. They just make life better. Easier. And more fun. But
we all need to find a balance that works for us. Our mission is to help our customers use
their phones to live their best lives.
We make your life easier
Since 1992, we’ve been helping customers get the best deal on their dream phone. We firmly believe in giving you the highest quality, for the lowest price. That’s why we work with three of the UK’s leading networks to do all the haggling for you,...
At Halfords, we're all about the journey. With more than 700 stores with over 10,000 colleagues, we're the UK's leading retailer of automotive and cycling products. We are also the leading operator in MOT, tyres, car servicing and car repairs - pleasing more than 750,000 customers every year.
It's important to us that everyone gets great customer service and can enjoy our products, no matter their level of sight. So, if you're blind, partially sighted or struggle to see or read the screen, we’ve a range of features to help you get the most from our products and...
Look iconic, without the hassle— using Nasty Gal discount codes, you can shop your favorite pieces for way less by simply entering one of our promotional codes (of your choice) at the checkout. From delivery offers, to promo deals, we keep ‘em coming, so you always have the offer you...
The Covid-19 has caused the school and universities to shut down around the world creating a major issue in Learning and Education. As this virus spreads through the interaction and if social distanci... The Covid-19 has caused the school and universities to shut down around the world creating a major...
Why its Important to Manage Your Holiday Calendars?
A printable calendar 2021 is a prominent online platform where you download printable calendars of your choice. These calendars can be customized as per our client requirement with photo, text, logo, or any other image. If you are thinking of planning a dream vacation tour with family and kids but...
More than 90% of teenagers use social media and 71% of them have more than one account in these apps. It’s easy to see why social media is popular, but what are the effects or even risks of using social media on the teenager’s brain. A study done at UCLA...
There are truckloads of unconventional habits that you should be participating in. If you wanna know about them, curb your desire to puke and sit tight! Do you secretly indulge in questionable habits? You’d be lying if you said no to this! Come on, we all have our fair share...
Planning to Migrate Microsoft Teams from one tenant to another? Know the alternate processes to tackle all your MS Teams migration worries. Planning an MS Teams migration from one tenant to another? Let us help you out with few alternate processes to tackle all your migration worries. Microsoft Teams: The...
Update Needed to Enjoy the media you need to either update your browser to your modern version or update your Flash plugin. Looking at and expecting specific filler term alternatives will probably be challenging as it's subtle. Pals may be additional prone to note a change in how you converse...
Norman Vincent Peale, author of the book The Power of Positive Thinking once said, “Change your thoughts and you can change your world.” Many of us, when we face challenges in life, aren’t interested in people telling us to “look on the bright side” or to keep a positive attitude....
Psychological problems and the treatment is within you Why isn’t pulling your hair considered a socially acceptable way of dealing with distress while smoking is? The worst case scenarios ... Psychological problems and the treatment is within you Why isn’t pulling your hair considered a socially acceptable way of dealing...
This has led towards the rise of political functions with agendas catering to one or a mix of these teams. Events in India also concentrate on people who find themselves not in favour of other functions and use them as an asset. The president is shifting his messaging within the...
Three boundaries drive a maximum of the low uptake of PMUY refills: Affordability – because of the excessive powerful price of the top off, that's INR 150–250 (USD 2.3–3.8). This value is better than the actual refill rate once misplaced wages and transportation fees are factored in. The inconvenience of...
PM Narendra Modi in 2015 launched Pradhan Mantri Suraksha Bima Yojana (PMSBY) in Kolkata, West Bengal. It is an Accident Insurance Scheme (AIS) supplying demise and incapacity cover as a result of an accident.Insurance isn't a newer concept to India; however, its attain is still tons limited. In spite of...
The Government of India has regularized specific saving schemes for the welfare of citizens. These schemes are added into movement with one common objective- a guide to all individuals. One such scheme is Pradhan Mantri Jan Dhan Yojana introduced by means of the Prime Minister of India on 15 August...
Search topic
Pradhan Mantri Jan Dhan Yojana
The Government of India has regularized specific saving schemes for the welfare of citizens. These schemes are added into movement with one common objective- a guide to all individuals. One such scheme is Pradhan Mantri Jan Dhan Yojana introduced by means of the Prime Minister of India on 15 August...