Many of us who have had a good record of debt and bill repayment are surprised to find that their credit score is lower than it should be. This can happen when you have been a victim of identity theft or there's been an error on your credit report.
Identity theft is more widespread that many folk think and it can impact you without you ever knowing, until of course you make an application for credit and get fell.
Identity theft is where a criminal will assume your identity by stealing your information and gaining access to your accounts. They'll use this information to drum up debt leaving your money record in in a complete mess.
Sometimes they're going to use your information more discretely by removing small quantities of money from your accounts over a time period.
This may occur when they get access to your PIN numbers of credit cards or accounts.
They can also use your information to get new credit cards and use them up to the credit limit before attacking the next unsuspecting victim.
When this occurs you are left with the debt and the poor credit score.
You should always check all of your accounts on a regular basis and look for any dubious activity. If you notice anything that you are unsure of contact your bank instantly and get them to analyze.
As well as checking your accounts you need to also check your credit report constantly to determine if there is anything on it that you suspect shouldn't be there. There'll be info on your credit report of new accounts if they've been made in your name and you'll be in a position to act on these right away if you see them on your records.
If there is any notable activity you need to report it to the police right away and get a statement from them that you can then send to your bank or the lending institution that shows on your report. Alert the credit firms and get them to attach the police report to your records and make sure you close the accounts which have been attacked.
Identity theft is more widespread that many folk think and it can impact you without you ever knowing, until of course you make an application for credit and get fell.
Identity theft is where a criminal will assume your identity by stealing your information and gaining access to your accounts. They'll use this information to drum up debt leaving your money record in in a complete mess.
Sometimes they're going to use your information more discretely by removing small quantities of money from your accounts over a time period.
This may occur when they get access to your PIN numbers of credit cards or accounts.
They can also use your information to get new credit cards and use them up to the credit limit before attacking the next unsuspecting victim.
When this occurs you are left with the debt and the poor credit score.
You should always check all of your accounts on a regular basis and look for any dubious activity. If you notice anything that you are unsure of contact your bank instantly and get them to analyze.
As well as checking your accounts you need to also check your credit report constantly to determine if there is anything on it that you suspect shouldn't be there. There'll be info on your credit report of new accounts if they've been made in your name and you'll be in a position to act on these right away if you see them on your records.
If there is any notable activity you need to report it to the police right away and get a statement from them that you can then send to your bank or the lending institution that shows on your report. Alert the credit firms and get them to attach the police report to your records and make sure you close the accounts which have been attacked.
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