how to get a free credit report

identity theft is a pressing problem throughout the nation. If you think identity theft, you can have it a bit of a spy novel. Identity theft is a little more subtle. Nobody gets a mask and fake fingerprints. It is not like in the movies. But it is very devastating to your credit. In the past, people have actually filed bankruptcy because of identity theft.

In most cases of identity theft attacks the unsuspecting person who is not their credit reports. Someone your social security number and the name, through a variety of different means, and then open this account with your name and social security number. Only they have the cards, and bills to another address.

Of course the bills are not paid. The credit company contacts a fake phone number and sends invoices and threatening letters to a different address. In the meantime, you do not know anything about it. Until finally you get a few phone call from someone who tracks, or you yourself for the credit and do not get because of bad credit. That is, if you find that you were the victim of identity theft.

Some laws are now in place to protect against identity theft. One of them is the Fair Credit Reporting Act to give you a free credit report every year from each of the three reporting agencies. You are also entitled to a free credit report if you find that you have opted for a loan. If you opt for the credit, you must be in writing. The company to which you applied will tell you that their decision on the information received from one of the three reporting agencies.

While some people are trying to brush off this incident as embarrassing, it is important to make a copy of the credit report of the Agency to the company to ensure that there is nothing on the credit report that do not belong to you. In most cases of identity theft is discovered, if a consumer is switched on, for a loan and receives a copy of your credit report.

If you find that your credit report is in respect of errors on your credit card, you must immediately and tell them that you believe that you were the victim of identity theft. This would be obvious if there were a lot of costs and liabilities that do not belong to you. A mistake on the credit report does not indicate identity theft in most cases. There is often that simple mistake on the credit report, which is easy to make.

You should also contact the other credit reporting agencies, so that you can ensure that they are not the same erroneous information. Ask that information be removed immediately in writing of your credit reports. You may have to do an investigation, but have to adjust the position of your credit report in the investigation proceeds.

Monitoring your credit reports can help head off the possibility of identity theft.

Nelson Taylor owns and operates http://www.mycreditreport411.com Free Credit Report