Your identity is stolen when somebody uses your name, social security number, or other personal information to get credit cards or loans.The Federal Trade Commission(FTC)reports there were 9 million cases of identity theft last year with losses to consumers of more than $5 billion. The most basic kind is charge card fraud, which accounts for over 60%of identity theft.Get your totally free credit report Examine for identity theft by examining your credit report

a minimum of when a year. You can get a free credit report every 12 months by calling(877)322-8228 or online and the Annual Credit Report web site.Protect yourself Evaluation your credit report for accounts you did closed and for account balances that are suspiciously high.Only bring the credit and identification cards you require. Make copies of the cards you bring and keep them in a safe place.

If your wallet disappears, you will have the info you require to report them as lost or stolen.Do not respond to e-mail messages or phone conversation asking for personal and financial information.Identity theft indication Here are the most common signs of identity theft: Your charge card

declaration has charges you did not make.You get costs for accounts you never opened.You are rejected credit for no evident reason.Money is missing out on from your bank account.If your identity is stolen Get a copy

of your credit report. Note accounts you did not open and account balances that are suspiciously high.Contact the major credit reporting companies. Ask to position a”Scams Alert “on your report

. This notifies businesses to validate your identity before releasing credit and stops burglars from opening new accounts in your name.File an”Identity Theft Cops Report”at your local authorities station and keep a copy.Contact business that have reported accounts you did not open or charges you didn’t make

. Send them a copy of your police report and a qualified letter disputing the fraudulent charges.Keep a record of your calls and letters.

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