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Fraud Alerts and Identity Theft


									                                          Presented by Daniel Toriola

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                            How You Can Avoid Becoming A Victim Of Identity Theft
                                                         By Alex Katz

  How You Can Avoid Becoming A Victim Of Identity Theft
 by: Alex Katz

To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic
steps you can take.

The most important one is to ask periodically for a copy of your credit report. This is crucial because it
is the surest and quickest way to determine if someone is using your name. Your credit report should
list all bank and financial accounts under your name, and will provide other indications of whether
someone has wrongfully opened or used any accounts in your name. Any discrepancies should send
up a red flag for you.

Next, be careful about giving out your personal information to others unless you have a reason to trust
them. Start by adopting a "need to know" approach to your personal data.

Your credit card company may need to know your mother's maiden name, so that it can verify your
identity when you call to inquire about your account, but a person who instead calls you does not need
to know that information. Also, limit the personal information you have on your bank checks.

Be suspicious of someone who calls you on the telephone and offers you the chance to receive a
credit card, for instance, and asks you for personal information. Request that he send you a written
application form. If they refuse, tell them you are not interested and hang up.

If you're traveling, have your mail held at your local post office or ask someone you trust to collect your
mail while you are gone.

Do not give out personal information when you are on the telephone in a public place where people
can listen in to your conversation.

Check your financial information (credit report) regularly, and look for what should be there and what

Identity Theft Protection
DON'T BE A VICTIM. Use PROVEN fraud protection techniques to SAFEGUARD YOU and YOUR FAMILY against IDENTITY THEFT.
                                                                                                                     Page 1
                                                Presented by Daniel Toriola

And remember to ask periodically for a copy of your credit report.

To obtain the excellent credit report service, avoid becoming a Victim of Identity Theft, get FREE online
Credit Report, make your Credit Score higher or correct your credit visit Legalhelper ( ).

Your credit score is important for obtaining credit. Your credit score is important to know, whether you
need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores to decide whether
you are a good credit risk. If you have a high credit score, you are more likely to obtain the best rates.

Alex Katz - Security Analyst

Don't Let This Happen To You
The world's Identity theft nightmare and how to immunize yourself.
                                                                                                        Page 2
                                              Presented by Daniel Toriola

                                    Fraud Alerts and Identity Theft: Is This Enough?
                                                         By Bernard Pragides

Note: You have a one in ten chance of becoming the victim of identity theft this year. With this in mind,
you need to make sure that you take all reasonable steps available to you to protect yourself from
becoming the victim of identity theft. With this in mind, if you have detected that you may have become
the victim of identity theft, one of the initial steps that you will want to take in response is to put a fraud
alert on your credit reports. You will want to contact the three major credit reporting agencies and have
them flag your accounts with these fraud alerts. This is very important as a first line of identity theft
defense on your part. All it takes is to make that very important phone call to the credit bureaus. Do it
before it is too late. Every moment is crucial.

 Fraud alerts do serve a very helpful purpose when it comes to protecting you from become a victim of
identity theft or becoming re-victimized by an identity theft. When you ask the credit reporting agencies
to place a fraud alert on your credit reports, when an attempt is made by an identity thief to open up
new credit accounts in your name, the financial institution from which the credit or loan is being sought
will see the credit alert and will proceed accordingly. For example, rather than issue a new credit card
to the identity thief in your name, the financial institution will put the whole process on hold until the
time that it can confirm that it really is you who is seeking this extension of credit – in this case, a credit

 Despite the definite importance of fraud alerts, these alerts simply are not enough to clean up after
you have become the victim of identity theft or to protect you from becoming the victim of identity theft
in the future. Fraud alerts are one weapon in your arsenal that can be a part of your overall effort at
responding to and preventing identity theft. You must do everything in your power and avail of all
resources to protect yourself from this very dangerous crime of Identity theft. These thieves are out
there targeting innocent victims, in fact there are thousands of people who are already victims without
their knowledge.

 For example, if you have been the victim of identity theft, in addition to seeking and obtaining fraud
alerts you absolutely must also file an appropriate police report. Moreover, you must notify each and
every financial or similar type of institution or business through which you have an account. You need
to make these types of individual notifications in the aftermath of becoming the victim of identity theft.

 If you have not been the victim of identity theft per se, fraud alerts also represent one line of defense
that can be helpful to you. But, you must maintain a vigilant and comprehensive approach to doing
everything possible to protect your identity.

Author and internet entrepreneur Bernard Pragides offers expert advice and tips regarding identity
theft. Learn more about identity theft and fraud by visiting his Identity theft protection resource site at

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                                                                                                              Page 3
                                                Presented by Daniel Toriola

Related eBooks:

Fraud Alerts and Identity Theft: Is This Enough?
Identity Theft Statistics Now Show That There Has Been An Increase In Id Theft Online
Identity Theft Resources And Practical Tips To Prevent Id Theft
How to Report Identity Theft
Protection From All Types of Identity Theft

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