The real free credit report

Social Security number (SSN) misuse. The Social Security Administration (SSA) does not in most cases provide assistance to identity theft victims. But be sure to contact the SSA Inspector General to report Social Security benefit fraud, employment fraud, or welfare fraud.

As a last resort, you might try to change your number, although we don't recommend it except for very serious cases .

The SSA will only change the number if you fit their fraud victim criteria. See the Identity the real free credit report Theft Resource Center's Fact Sheet 113 for more information, http://www.idtheftcenter.org/artman2/publish/v_fact_sheets/Fact_Sheet_113_Social_Security_Number.shtml If your SSN card has been stolen or lost, order a replacement. Complete the SSA's application available at www.socialsecurity.gov/online/ss-5.html or by calling the SSA at (800) 772-1213, or by visiting your local SSA office. You will need to provide the required documentation such as birth certificate and government ID at your local SSA office to get a replacement card. Your SSN can be used fraudulently for tax purposes. For example, an identity thief might use your SSN to file a tax return with the IRS in order to receive a refund. If the tax return is filed before yours, the thief will likely receive the refund. If your SSN has been stolen, it the real free credit report may be used by an imposter to get a job. free credit report and score online

That person’s employer would report income earned to the IRS using your SSN, making it appear that you did not report all of your income on your tax return. The IRS has established the IRS Identity Protection Specialized Unit to assist individuals with such problems. For more information, visit www.irs.gov/privacy/article/0,,the real free credit report id=186436,00.html.

Passports. Whether you have a passport or not, write to the passport office to alert them to anyone ordering a passport fraudulently. Phone service. Identity thieves often establish fraudulent cell phone accounts, with monthly bills going unpaid. The imposter might also have opened the real free credit report local and long distance telephone accounts. If the imposter has obtained phone account(s) in your name, contact the phone company for information on how to report the the real free credit report situation. The steps that you take to clear your name with both the phone company and credit bureaus are much the same as with credit card accounts described above in steps one and three. free credit report no credit card needed If your calling card has been stolen or there are fraudulent charges, cancel it and open a new account. For your own phone accounts, add a password that the real free credit report must be used any time your local, cell phone, and long distance accounts are changed.

Student loans. If an identity thief has obtained a student loan in your name, report it in writing to the school that opened the loan.

Driver'the real free credit report s license number misuse. You may need to change your driver's the real free credit report license number if someone is using yours as ID on bad checks or for other types of fraud. Call the Department of Motor Vehicles (DMV) to see if another license was issued in your name. Put a fraud alert on your license if your state's DMV provides a fraud alert process. Fill out the DMV's complaint form to begin the investigation process. Send supporting documents with the completed form to the nearest DMV investigation office. Identity theft involving family members and others you know. If a deceased relative's information is being used to perpetrate identity theft, or if you personally know the identity thief, additional information about how to address these situations is available the real free credit report in other fact sheets. Visit the Identity Theft Resource Center web site: 18. credit report three

Medical identity theft. Medical identity theft occurs when someone uses your name, Social Security number, or other personal information to obtain health care or medical products.

Another variation involves false claims for medical care made to your health insurer, again using your personal information. Like other forms of identity theft, victims of medical identity theft may first become aware of a problem the real free credit report with a call from a debt collector. Medical identity theft can be particularly insidious since remedies involve cleaning up your medical the real free credit report records as well as your credit reports.