Identity Theft is the number one growing white collar crime in the world. If you have been a victim of ID Theft, you know what a nightmare it can be to correct your credit report. However, if you have yet to be a victim of ID Theft there are steps to take to help maintain your identity safety.
First you must order your credit report and check for inaccuracies. The Fair Credit Reporting Act allows each individual to obtain a free copy of their credit report annually. Should you find any mistakes or inaccuracies, you need to immediately file a dispute with all three of the credit bureaus.
A great way to help protect yourself from identity thieves is to Opt-Out from credit offers. If you want an even more iron clad way to protect yourself, you can put a Credit Freeze on your file. This will require you to be notified anytime a credit request is made.
Being a victim of Identity Theft is a completed privacy violation and one that can haunt you for years. It can damage your credit in such a way that it could possibly prohibit you from financing a home. Many individuals have had to inquire about bankruptcy or Credit Counseling Services as a result of Identity Theft. My Credit My Future will provide you the needed tools to not only protect yourself from Identity Theft, but help correct any damages caused if you do become or have already been a victim.