It's a big deal… and it's real!

Do you know the warning signs that you may be the victim of Identity Theft Fraud?

Most of the time there are no single warning sign that identity theft fraud has occurred. As one woman relayed to me:

I didn't know I was the victim of identity theft until I checked my credit card statement one day and it said I owed nearly $10,000. I kept my balance under $1000.

1. It's important to keep track of your bills.

2. Has your credit card statement suddenly stopped arriving?

3. Have you stopped receiving your bank statements?

Don't assume that the bank of credit card company or even the post office has made a mistake. You have to be proactive to protect yourself against Identity Theft.

The best advice I can offer is to find a way to stay on top of your credit reports. I use the Avail Credit-Coach because I have 24-7 access to my credit report and if something seems fishy, I can go to my computer and check.

More signs that you've been the victim of Identity Theft:

4. Have you been denied credit for no obvious reason?

5. Have you started getting bills from creditors you don't recognize?

6. Are you getting collection calls  about accounts you don't recognize?

You can't be sure of  identity theft unless you have a copy of your credit report. Only then can you check your credit history and see if identity theft has occurred.

The best way to keep track of your credit report is with the Avail Credit Coach.

Protect Yourself Against Identity Theft

1. Lock up your social security card and your passport.

2. Buy a shredder and use it for all discarded mail.

3. Don't put social security numbers on checks

4. Ask your doctors office how they use your personal information

5. Don't give personal information on a wireless or mobile telephone

6. Don't use your mother's maiden name as a password

7. Carry the credit cards you use. Keep others locked up.

8. Keep a list of credit card numbers and telephone contacts.

9. Make sure an internet site is secure if you buy online. (ours is)

Identity theft is a 9 billion dollar industry.
This is a party you DON'T want to throw!
You can prevent identity theft.
Know what is inside your credit report.

What if you have become a victim of identity theft?

1. Keep notes. Document every conversation.

2. Notify ALL creditors & Banks in writing & by phone of what happened.

3. Ask for new cards and monitor all activity.

4. Report fraud to local police & get a copy of the report.

The Fair Credit Billing Act limits a consumer's responsibility for fraudulent charges to $50. You may need to provide a police report copy to document your claims!

♦Would you like to maximize your chances for better credit?

♦Would you like to have access to your credit report 24-7?

♦Would you like the ability to dispute reporting errors EASILY?

♦Would you like a personalized debt elimination plan?

♦Would you like the peace of mind knowing what's in your credit report?

Would you like to know how much and exactly what to pay extra each month?

If you answered yes to any of the above questions, watch our free 7 minute video to learn how you can achieve these goals & raise credit score.