Sunday, April 6, 2008
Not So Free - Your Annual Credit Report - Hot Tips and FAQ's
Free Your Annual Credit Report - Hundreds of millions of victims in past five years. The fastest growing crime in America, One in four American citizens have been affected. You need to protect yourself against Identity theft - Obtaining a Credit Report be a bad experience, know the dangers.
Do you know the current scams out there? such as Triangulation, Impostor Websites.
Do you know the best way to protect yourself?
Identity theft - or ID theft is the process when a criminal steals your name or identity. Your contact information and other personal information to commit fraud and crimes. ID theft has become the fastest growing crime in the United States and elsewhere.
This is due to the increasing growth and spread of the Internet which has provided new opportunities to collect money by stealing the identities of others.
Know the Credit Report Scams
Trangulation - Be wary of email forms
How it works:
By using email forms the criminal will trick you into handing out your credit card details and personal information. They might even use an internet link embedded in the email which takes you off to a website where you put your information into a form.
How they trick you:
This type of scam tricks so many people as like the best scams out there you have little evidence a scam has occurs, you will only discover it when you check your credit card statements and credit reports and see fraudulent activity.
It works by you purchasing a credit report from a website - the criminal will then go and purchase a credit report for you but by paying for it using someone else's credit card details - they will then most probably email you the report and get you to pay for it by asking you put your credit card details in an email form. They will then use your credit card details to go off and purchase another report form someone else.
How to defend yourself against credit report fraud:
Try and defend yourself before something bad happens by using services of a credit monitoring and identity theft protection. Use Credit Monitoring and ID theft protection services. They are all fairly competitively prices so do your research and compare a few websites - you should not have to spend more then $5 - $20 per month - you can get one for 90 days or seven years for total peace of mind.
Free ways to protect yourself against credit report theft.
- Review bank/credit card statements for fraud
- Shred/destroy credit card receipts/other financial papers
- Check credit reports
- Never give out social security number
I hope you know know what you can expect and be on the lookout for it when searching for Free Your Annual Credit Report
For more helpful information and tips be sure to check out www.credit-reporter.net
Get your totally free credit report today - follow Credit Report, and check out www.credit-reporter.net.