According to the Federal Bureau of Investigations, in a year, over 10 million Americans become victims of identity theft through hacking or pretexting schemes. Identity thieves steal a person’s confidential information through fraudulent means such as hacking or pretexting. The stolen information is then used to get into the victim’s credit card and bank accounts. If this has happened to you, you may have taken your credit issues for granted. Identity theft is the big reason why one should regularly ask for a credit report. Regular updates on your credit report will warn you of any irregularities in your account. Ask for a copy of your credit report at least once a year, or schedule check-ups for three times in one year. There are national credit bureaus tasked to do this. You can also check your credit report online; but if you do so, refrain from giving out detailed personal information. Identity theft can also be done online. And never give out personal information over the phone; you might be caught in a pretexting scheme. Scheduling your credit report on a regular basis will allow you a close review of your account. Any questionable entries, movements or information changes can be verified. If you find irregularities in your account, perhaps an unexplained high balance, act on it immediately by informing your credit card company or bank. Swift action on your part can help stop further illegal purchases using your card. You have the option to ask the company or bank to freeze or close your account. Remember, asking for a credit report is as simple as calling your neighbor. Don’t take it for granted or you’ll be sorry.
Trilegiant’s Privacy Guard can help you monitor your credit rating and avoid getting ripped off.
Trilegiant provides Identity Secure, a service that addresses the threat of identity fraud.
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