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Monday, November 12, 2012

9事情当你的身份被盗



您可能会发现,你已经是身份盗窃的受害者通过集合机构的电话,声称你有债务,或者,如果你被剥夺了信贷由于不良信用评分。

据估计,多达31万美国人每年下降身份盗窃的受害者。
下面的步骤,你需要采取只要你发现,你是上述统计数字的一部分。

1。通知个人信用征信公司的EquifaxExperian的环联,你是身份盗窃的受害者之一。当您通知,它会通知你们两个。

2。建立欺诈警报。欺诈警报是指每一个的债权人要检查您的信用报告,它需要给你打电话。欺诈警报是有效的为90天。

3。指示信用局,以阻止的欺诈帐户今后的报告信息。

4。还要求他们删除查询出现由于欺诈性的要求。

5。信贷部门也可以请求冻结您的信用报告,这意味着没有人将能够访问它。安全冻结在大多数国家的身份盗窃的受害者。

6。您当地的警察部门和FTC(联邦贸易委员会)报告的犯罪。

7。如果你的信用报告虚假帐户,请联系债权人,并通知他们的身份盗窃。

8。如果一项法案,收集与您联络有关的欺诈帐户,告知你是身份盗窃的受害者,并询问他们的地址。您将需要向他们发送欺诈宣誓书会告诉你是不负责的帐户,该帐户需要关闭。

9。检查您是否错过任何ATM或信用卡。如果是的话,报告丢失的卡,你的债权人。

为了避免成为身份盗窃的受害者,知道您的个人信息可能被窃取和展示,出版,或以其他方式提供您的私人数据时要小心。

如何使用您的信息可能会落入他人之手:

从邮箱中,你的邮件可能被窃取。

如果你不有一个习惯,把垃圾脱落的敏感信息之前,您的银行对账单可能会提供一个垃圾潜水员

丢失或被盗的钱包,信用卡和ATM卡。

从您的计算机木马和其他病毒可能会窃取信息。

从与您有业务的公司,你的个人资料可能被窃取。

其他部分的信息,如您的电话号码,出生日期,地址可能被拾起的社交网站,如FacebookBebo的的,MySpace的,Hi5和他人。

欲了解更多信息如何处理身份盗窃在美国访问http://www.ftc.gov/bcp/edu/microsites/idtheft/

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