ARE YOU A VICTIM OF IDENTITY THEFT?

Most people find out they've been victimized when they are contacted by their financial institution. Fraud experts say we can't rely on someone else to catch the problem, and we must take steps to protect ourselves.

WHEN WAS THE LAST TIME YOU READ YOUR STATEMENT?

Did you know that surveys show that nine out of 10 people don't check their credit card statements? In fact studies show that they check their social media pages more.

DID YOUR CREDIT SCORE CHANGE?

Monitor your credit regularly, check for score changes, go over your report in detail, check for incorrect names, addresses and accounts that are not yours. Sign up for Credit Monitoring, in most cases you will be notified of important changes and you can set up alerts for suspicious activity. 

KNOW THE SIGNS

 

HERE ARE SOME SIGNS TO LOOK FOR:

Financial

  • Statements for unknown credit card account/s

  • Errors (misinformation) on credit report

  • Denials when applying for loans for credit

  • Denied on a utility or rental application

  • Turned down for employment (due to a bad background check)

  • Collection notices for unknown accounts or loans

  • Bills for goods or services you didn’t purchase

  • Increases in your rate of interest (APR) on credit cards (due to unknown credit activity)

  • Increase in your auto insurance rates (due to unknown tickets or accidents)

  • Missing mail - regular communication from your financial institutions ceases (bills, emails, statements)

Medical

  • Collection notices and bills

  • Explanations of Benefits (EOBs) for services not provided

  • Communication from unknown medical providers and/or facilities

  • Misinformation on medical records

  • Regular receipt of solicitations for treatment of specific health issues that you do not have

Tax or Wage Related

  • Tax returns are denied because a return has already been filed

  • Notifications from IRS or State Tax Board requesting the filing of a return for income not earned by you

  • Notifications from IRS or State Tax Boards indicating a dependent's Social Security number has already been claimed

Government

  • Denied benefits, EBT, unemployment, or other government benefits

  • Incorrect work history statements (Social Security Administration)

  • Summary/statement of benefits for things you did not receive

  • Inability to renew Driver's License

Note:  Many of the above-mentioned red flags are also applicable to fraudulent activity and accounts for both children and the deceased. 

YOUR IDENTITY HAS BEEN STOLEN... NOW WHAT?

Finding out your identity has been stolen is tough. You’ll face anger and shame that the crime even happened to you. But worse than that will be the frustrations you encounter as you’re trying to clean up the mess.

Since identity theft tends to start as a financial crime in most cases, the most important part of clearing up the damage is fixing credit report errors or unauthorized charges and accounts opened in your name.

The key to cleaning up your credit report is to move quickly and be patient. The faster you catch and dispute errors, the easier it will be to clean them up. Just understand that even when errors are caught early, disputing a credit report entry will take time.

At Executive Fix Consulting Services we can help. 

Call today for your free consultation. 1866-546-9349

or click here to get started!

WE'RE HERE TO HELP
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It’s your credit.  Don’t neglect it.
 
While your credit score gauges your creditworthiness with a number, your credit report tells the full story of your financial activities. Review your Credit Report rvery year, or more frequently if you suspect fraud or errors, check your report. You are entitled to a free copy annually from any of the three main credit bureaus.

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