protect your credit
- Unexpected phone calls from creditors.If you get a call from a creditor demanding payment for a purchase no one in your family made, have the caller give you all the information possible and investigate.
- Strange credit card charges. It’s easier to spot these if you keep all your receipts and reconcile them with your statements each month.
- Getting turned down for credit unexpectedly.This is one of the more common ways people discover they’ve been victimized.
- Account usernames and passwords or ATM PINs stop working. This suggests that an identity thief may have changed your access codes.
- Missing bills If bills from your accounts suddenly stop arriving, it could mean an identity thief has changed your address in order to use bank accounts without raising suspicion.
- Strange information in your files. If information in a personal file is not yours it could signal identity theft or it could be an innocent mistake. To avoid mistaken identity problems use your middle name or middle initial on accounts to distinguish you from others who have the same name.
Courtesy of myfico.com.
If you suspect you are the victim of identity theft, contact the Texas Attorney General’s office at 877-438-4338.