How to Check Your Credit Report for Evidence of Identity Theft

Imagine you find a house of your dreams. It is the ideal place, and the best way, and even perfect price. Raising, you start the process of loan application. You know this part of the process will be easy since you always pay your bills on time and not be a credit card that you pay in full each month. To your surprise, but rejected your request because of the multiple credit cards taken in your name, maxed out, and never paid. Your credit is ruined, your dream home will never be a reality thanks to the identity thief.
this scenario may be hypothetical, but similar situations happening to people all over the country daily. Many people are victims of identity theft, and not even realize it until they need to use credit for anything, such as buying a car or a house. However, it does not have to be this way. If you check credit reports annual, and you can make sure that any unauthorized activities are sabotaging your credit.
now that you can obtain a copy of your credit report free, and the only possible excuse for not monitoring it you can not understand how to read it, which is what we are going to discuss now.
the credit report is divided into four parts. Part I contains your personal information, such as name and Social Security number, and employer. You may want to verify this portion of the mistakes, but if you are interested in catching identity theft activity, you will find the evidence here.
instead, one Groups should focus on the second part of the report. This is your credit history, which includes a list of all your creditors. For each account, you will find the date of opening the account, and type of account is the amount of the account was originally Therefore, the amount still outstanding, the amount of payments, account status and payment history. Exceed each entry in this section of your report carefully. If you find any accounts that you do not remember opening, and make note of them. Any information, such as the amount due, the accounts do not coincide with your expectations, and then making note that also.
once I reviewed the credit history part, the public would find the records. Again, this probably will not be much use to you if you are tracking identity theft evidence because they include concessions, bankruptcy, etc. But do make sure the information in this section is accurate. Some lenders believe that approximately 80% of the total credit reports do contain some types of errors and since this section important you want to be accurate.
the last section - Section investigation - should be evaluated carefully. I see, every time you or potential creditor checks your credit report, note that the investigation was carried out in this section. Victims of identity theft are likely to see a number of queries, which he or she can not be calculated. Now you keep in mind that there are two types of queries contained in this section. " Soft & quot; investigations, as they are called, and refer to the queries submitted by potential creditors that you did not request. For example, a credit card company may check your credit history before you submit an offer for the Gold Card. " Difficult & quot; investigations are you have to be interested because this is supposed queries you requested. If there is anything on that report you do not agree, then made a note of it.
once you check your report, and the Liaison Office of credit and creditors for any errors or contradictions you notice. If you believe you were a victim of identity theft and the need to know what are the next steps to take, or if you want more suggestions on how to not become a victim, you need to read the identity theft: A Resource Manual of pcsecuritynews.com. The eBook is available in http://www.pcsecuritynews.com. georgiana leora



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