(ebook - finances) What To do in case of Identity Theft.pdf

文档介绍：LISTEN TO THESE CONSUMERS . . .
Someone used my Social Security number to get credit in
my name. This has caused a lot of problems. I have been
turned down for jobs, credit, and refinancing offers. This
is stressful and embarrassing. I want to open my own
business, but it may be impossible with this unresolved
problem hanging over my head.
From a plaint to the FTC, May 18, 1999
Someone is using my name and Social Security number to open credit
card accounts. All the accounts are in collections. I had no idea this
was happening until I applied for a mortgage. Because these “bad”
accounts showed up on my credit report, I didn’t get the mortgage.
From a plaint to the FTC, July 13, 1999
Help! Someone is using my Social Security
number to get a job.
From a plaint to the FTC, September 20, 1999
My elderly parents are victims of credit fraud.
We don’t know what to do. Someone applied for
credit cards in their name and charged nearly
$20,000. Two of the panies have
cleared my parents’s name, but the third has
turned the account over to a collection agency.
The agency doesn’t believe Mom and Dad didn’t
authorize the account. What can we do to stop
the debt collector?
From a plaint to the FTC, October 7, 1999
Table of Contents
Introduction.................................................................................1
How Identity Theft Occurs ............................................................2
Minimize Your Risk ......................................................................3
Choosing to Share Personal Information – or Not ..........................5
Credit Bureaus.........................................................................5
Departments of Motor Vehicles .................................................5
Direct Marketers ......................................................................6
If You’re a Victim .........................................................................7
Your First Three