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Identity Theft: What Are Your Rights?

Pursuant to the FCBA, if you ever start to feel insecure then the steps listed below can help you to uncover the most important part of your identity.

Evaluate the following:

It should stand as a clue to understand that when you apply for employment or card you have to give information to a job application company that you will need to verify the information you give.

What is your address and would you like to have a telephone or landline number for online transactions?

How long have you resided in this country ‘if ever it has been

Is it the year ‘if ever?

How long have you lived in this country ‘if ever?

Are you entitled to a free or discounted copy of your credit file if you were spied on for committing an offense?

What are your legal rights and what should you do if you find yourself in possession of an Identity Theft Chargeback item (Counterpaugh’s description of an FBI sting) in your file?

To prevent future fraud and protect yourself against future problems, the following legal advice may be useful:

You should check your most recent tax return for errors.

Make two copies of this tax return along with your application for employment or card details.

Check whether your previous addresses and phone numbers can be copied.

Check whether the information on your tax return or forms is accurate or current as compared to the years’ past tax records.

Check that your information in the last four years includes any errors – including those listed in the ‘Recent Experian Error’ section of the permanent collection agency’s website.

If you discover errors in the information on the tax return or forms, notify the proper institution who may have it.

If you become aware of inaccuracies or omissions, file a written explanation within two years of discovering the mistake.

You should not contact the bureau, the CDTA, or the permanent collection agency in person, as they may try to track down individuals who may have information on their tax returns or information they have deleted.

You should write to the permanent collection agency within 60 days of discovering the unauthorized use of information contained in your file.

If using a credit card is legal in your state, contact the company and agree to their terms.

Public Records Warning You Of Identity Theft

It’s not a new crime, but identity theft can happen with very little to show up as a credit card has been stolen, or a personal identification number is missing, or the thief passes the information on to a fraudulant who then passes the information on to a thief. In order to prevent such mistakes, ensure that your credit card and bank account numbers are kept completely private as outlined in the Annual Credit Statement and the Identity Theft Shield – if any.

On the other hand, information in your personal files cannot be trusted:

1. Personal information of anyone other than you, the person, and your parents, as well as your employers is kept on file
2. Personal information, either as a legal obligation or your signature, is included in documents handed down by a trustee
3. Credit information for any of your personal bankruptcies or life insurance policies is included in your personal tax returns
4. Information relating to your personal credit scores or financial statements is included in the reports of a credit reporting agency

The identity theft protection scheme I call ‘Protection’ requires you to inform anyone who has asked to have access your records that they must give them the protection I have outlined. A good protection for yourself is that ‘you are entitled to know the name of the person or persons who have asked to take your records’.

What protection do the credit card companies give you?

Their ID theft cover helps by offering them protection on almost any information they could see that is relevant. Your credit card statement can be accessed by anyone at your own risk in as little as 24 to 48 hours, and your social security and credit card statement may be copied freely like your mortgage or car loans are.

What kind of protection do the credit card companies offer me? Is there any other cover?

There are two schemes I can choose from at the moment – a ‘privilege’ card and a ‘privilege’ card. Both give you the right to see your details for only 24 hours – except for the privilege card, which allows you to see everything on your records that you are allowed to. So you cannot see everything on your credit record that someone else is allowing to be seen.

What are the main reasons to look into working with the identity theft cover?

There are a lot of them.