Maya is a Santa Monica citizen who was accessible to buy a new car. She adored money for a bottomward payment, had a acceptable job, and could calmly allow the account payment. However, aback Maya activated for a accommodation at a dealership, she was angry down. The banker told her that the bounce was based on several delinquencies on her acclaim report. Maya was puzzled – she has one acclaim agenda and a apprentice accommodation that she pays on time, and no added debt. However, aback Maya ran her own acclaim report, she was abashed to acquisition out that addition had fraudulently opened several accounts in her name. Now, instead of active her new car, Maya is spending abounding hours advertisement the artifice and charwoman up her credit.
Fortunately, there are accomplish you can booty to abate your accident of character theft. Federal law anesthetized in acknowledgment to the Equifax abstracts aperture now requires that all three acclaim advertisement agencies benumb and unfreeze acclaim inquiries, for free, for consumers in all 50 states. A acclaim benumb bureau that abeyant lenders cannot appearance your acclaim history, which bureau no one – including you – can borrow money in your name. You can put a benumb on your acclaim to anticipate fraud, but be abiding to unfreeze it if you’re planning to administer for any affectionate of loan. The law additionally allows parents to benumb the acclaim of accouchement adolescent than 16, and extends chargeless artifice alerts from 90 canicule to one year. You can acquisition added advice at www.consumer.ftc.gov/.
Monitoring your acclaim address is addition way to anticipate character theft. You’re advantaged to one chargeless address anniversary year from anniversary of the above credit-reporting bureaus. Savvy consumers generally appeal one address from anniversary bureau every four months or so, to aerate their chargeless reports. You can admission this account at www.annualcreditreport.com. Added websites allegation for this service, but anticipate alert about advantageous for your acclaim address aback the account is accessible for free.
Other astute tips can advice you assure your acclaim history:
You can additionally opt out of pre-screened acclaim offers, addition god footfall to lower the adventitious of character theft. (Call 888-567-8688 or go to optoutprescreen.com.) It’s additionally important to atom paperwork that contains anecdotic information, and booty affliction aback administration of computers, phones, and added cyberbanking accessories that accommodate claimed information.
If you’re a Santa Monica citizen or accept questions about a aggregation accomplishing business here, you can acquaintance the City Attorney’s Customer Protection Division at 310-458-8336, or smconsumer.org.
Submitted by Andrea Cavanaugh
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