Credit reports and free Tennessee

Debt collectors. If debt collectors try to get you to pay the unpaid bills on fraudulent credit reports and free Tennessee accounts, ask for the name of the collection company, the name of the person contacting you, phone number, and address. Tell the collector that credit reports and free Tennessee you are a victim of fraud and are not responsible for the account.

Ask for the name and contact information for the referring credit issuer, the amount of the debt, account number, and dates of the charges. Ask if they need you to credit reports and free Tennessee complete their fraud affidavit form or credit reports and free Tennessee whether you can use the FTC affidavit. Follow up by writing to the debt collector explaining your situation. Ask that they confirm in writing that you do not owe the debt and that the account has been closed. Under new provisions in the FCRA, a debt collector must notify the creditor that the debt may be a result of identity theft.

(§615(g)) The FCRA also prohibits the sale or transfer of a debt caused by identity theft. (§615(f)) For additional information on dealing with debt collectors, read our Fact credit reports and free Tennessee Sheet 27, which has a section credit reports and free Tennessee for victims of identity theft at www.privacyrights.org/fs/fs27-debtcoll.htm#8 7. free credit score report Check and banking fraud. If you have credit reports and free Tennessee had checks stolen or bank accounts set up fraudulently, ask your bank credit reports and free Tennessee to report it to ChexSystems, a credit reports and free Tennessee consumer reporting agency that compiles reports on checking accounts. Also, place a security alert on your file (see web address below).

Your bank should be able to provide you with a fraud affidavit. Put "stop payments" on any outstanding checks that you are unsure about. Close your checking account and other affected accounts and obtain credit reports and free Tennessee new account numbers. Give the bank a password for your account (not mother's maiden name, Social Security number, date of birth, pet's name, sequential numbers, or any other easily guessed words).

If your own checks credit reports and free Tennessee are rejected at stores where you shop, contact the check verification company that the merchant uses. free credit history TeleCheckFor annual file disclosureFraud, id theft department Under a new federal law, you now have a right to obtain any reports that these companies compile about you. For ChexSystems and any of the check verification companies listed here that you have had to contact as a result of your identity theft situation, we recommend that you request a copy of your file once a year. If not, you will find it difficult to open new bank accounts and/or write checks.

Visit the credit reports and free Tennessee web sites listed above to learn how to order your free annual reports. And read the PRC's credit reports and free Tennessee guide on these "specialty reports." www.privacyrights.org/fs/fs6b-SpecReports.htm 8. ATM cards. If your ATM or debit card has been stolen or compromised , report credit reports and free Tennessee it immediately. You may be liable if the fraud is not reported quickly. Start with a phone call and immediately follow up in writing.

Be sure to read the debit card contract for information about liability. Some cards are better protected in cases of fraud than others.

ATM and debit card transactions are subject to the Electronic Fund Transfer Act. (15 USC §1693) Even if you are a victim of identity theft, your liability for charges can increase the longer the crime goes unreported. annual free credit report by law For more on EFTA, see the FTC's guide, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm. Also read its guide on electronic banking, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtm 9. Brokerage accounts. You do not credit reports and free Tennessee have the same protections against loss credit reports and free Tennessee with brokerage accounts as you do with credit and debit card or bank accounts. The Securities Investor Protection Corporation ( www.sipc.org ) restores customer funds only when a brokerage firm fails.