GuardMyIdentity.Org

Online Resource For Protecting Your Good Name
Guarding Your Identity
and Combating Identity theft.

How identity thieves use your personal information:

They may call your credit card issuer to change the billing address on your credit card account. The imposter then runs up charges on your account. Because your bills are being sent to a different address, it may be some time before you realize there’s a problem.

What Happens Once My ID is Stolen?

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    They may open new credit card accounts in your name. When they use the credit cards and don’t pay the bills, the delinquent accounts are reported on your credit report.
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    They may establish phone or wireless service in your name. • They may open a bank account in your name and write bad checks on that account. • They may counterfeit checks or credit or debit cards, or authorize electronic transfers in your name, and drain your bank account. • They may file for bankruptcy under your name to avoid paying debts they’ve incurred under your name, or to avoid eviction. • They may buy a car by taking out an auto loan in your name. • They may get identification such as a driver’s license issued with their picture, in your name. They may get a job or file fraudulent tax returns in your name. They may give your name to the police during an arrest. If they don’t show up for their court date, a warrant for arrest is issued in your name. Early detection of a potential identity theft can make a big difference. Keep an eye out for any suspicious activity by routinely monitoring: •Your financial statements. Monitor your financial accounts and billing statements regularly, looking closely for charges you did not make. •Your credit reports. Credit reports contain information about you, including what accounts you have and how you pay your bills. The law requires each of the major nationwide consumer reporting agencies to provide you with a free copy of your credit report, at your request, once every 12 months. If an identity thief is opening credit accounts in your name, these accounts are likely to show up on your credit report. To find out, order a copy of your credit reports. To order your free annual report from one or all the national consumer reporting companies, visit www.annualcreditreport.com, call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually; they provide free annual credit reports only through www.annualcreditreport.com, 877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.