How to Save Money & Protect Your Id from theft FREE Carroll Co, MD

How to Save Money and Protect Your Identity from theft - FREE Carroll County, MD

 

How to Save Money and Protect Your Identity from theft - FREE Carroll County, MDDon’t waste hundreds of dollars a year depending on someone else to monitor your credit for you. Lifelock’s ultimate service is $29.99 per month or $329.89 annually. Did you know LifeLock agreed to settle charges with the FTC and 35 state attorneys general for false claims? Is your identity safe with them?  

 

Identity theft is when someone takes your personal information, or your child's personal information, without your knowledge to commit fraud or theft.

 

Personal information such as your:

  • social security number
  • credit card number
  • date of birth
  • address

 

With your personal information thieves can open new credit and or bank accounts, divert your mail to a new address and then not pay the bills. That’s why a critical step is checking your credit report at minimum once a year. Avoid Identity theft by monitoring your accounts and restricting personal information.

 

Protect yourself for FREE! Contact the 3 credit bureaus and tell them you don't want credit established without contacting you first. Parents can, should do the same for minor children. Thieves know no boundaries, they look for vulnerable targets. Why not share this information with the seniors in your life too?

 

Equifax 800-685-1111   Experian 888-379-3742   TransUnion 800-888-4213



If you think that someone has stolen your identity, acting quickly is the best way to limit the damage. Here are three things to do immediately:

First, contact one of the three nation-wide credit reporting companies and ask for a fraud alert on your credit report. The company you call has to let the other two credit reporting companies know. A fraud alert is a roadblock for a thief who wants to open more credit in your name.

Second, order copies of your credit reports and read them carefully. Report any mistakes to the credit reporting companies.

Third, create an Identity Theft Report. It can help you get fraudulent information off your credit report, stop a company from collecting debts caused by the theft, and help you get information about any accounts a thief opened in your name.

To get an Identity Theft Report: Contact the FTC online or by phone and file a complaint. That becomes an FTC Affidavit. Then, take the affidavit to the police department and file a police report. And then, attach your FTC Affidavit to your police report and presto – you’ve got an Identity Theft Report.

 

You can also call the FTC’s Identity Theft Hotline at 1-877-IDTHEFT (1-877-438-4338).

 

Minimize the risk of  Identity theft by:

  • Before you reveal any personal information, find out how it will be used and if it will be shared with others.
  • Pay attention to your bills and credit card statements. If your bills don't arrive on time, contact your creditor. A missing credit card bill might mean that the identity thief has changed your billing address and is using your account.
  • Guard your mail from thieves. Pick up your mail as soon as possible. Place outgoing mail in post office collection boxes.
  • Do Not give out personal information over the phone, email or through the mail unless you have initiated the contact and know with whom you are dealing. Thieves may pose as bankers, government officials or others to get you to reveal your social security number or bank account number.
  • Keep items with personal information safe. When you throw away receipts, credit card applications, and old checks or bank statements, make sure to shred them.
  • When you make up your PIN for your credit, atm or debit card don’t uses something a thief might guess such as a birth date, social security number, phone number or house number.
  • Order a copy of your credit report at least once per year. Catch mistakes and fraud before they ruin your personal finances.

Remember, if you think that someone has stolen your identity, acting quickly is the best way to limit the damage.


I hope you have found this information beneficial. Take care of you.


Source Federal Trade Commission

 

Avoid Identity theft - Protect Yourself  for FREE Carroll County, MD

Philling StationDiane M. Phillips, REALTOR®

Military Relocation Professional


Cell/Text: 443-286-4365
Office: 1-877-FRANKLY
DianeJustSold@gmail.com
RealEstatePhillingStation.com
FranklyRealty.com
Follow me @DianeJustSold
Be a fan on Facebook!

 

 Frankly RealtyMilitary Relocation Professional

 

Equal Housing Opportunity

Diane M Phillips reviews

 

 

Comment balloon 0 commentsDiane M. Phillips Realtor 443-286-4365 • December 30 2015 05:13AM
How to Save Money & Protect Your Id from theft FREE Carroll Co, MD
share
How to Save Money and Protect Your Identity from theft - FREE Carroll County, MD Don’t waste hundreds of dollars a year depending on someone else to monitor your credit for you. Lifelock’s ultimate service is $29. 99 per month or $329. 89 annually… more
Avoid Credit Traps Carroll County, MD Series Part 6
share
Avoid Credit Traps Carroll County, MD Series Part 6 6 Part Blog Series: Discover how to get your financial house in order. Avoid Credit Traps Honest people are often shocked when we hear of the latest scam or crime occurring just down the… more
Understanding Credit Scores Carroll County, MD
share
Understanding Credit Scores Carroll County, MD Series Part 5 6 Part Blog Series: Discover how to get your financial house in order. Understanding Credit Scores Why should you care about credit scores? There are two reasons in my opinion, 1… more
Looking to recycle your Christmas tree? Maryland
share
Looking to recycle your Christmas tree? Baltimore, Carroll, Harford, Howard and Frederick Counties Looking to recycle your Christmas tree? Select Maryland State Parks are accepting them to provide habitat for the birds! How cool is that! Another… more
Merry Christmas! Carroll County, MD
share
more
Think like a lender. Will he or she say yes? Carroll County, MD
share
Think like a lender. Will he or she say yes? Carroll County, MD Series part 4 Blog Series: Discover how to get your financial house in order. Think like a lender. Will he or she say yes? A lot of planning goes into proposal, engagement and… more
Address the MONEY mess! Carroll County, MD
share
Address the MONEY mess! Carroll County, MD Series part 2 Blog Series: Discover how to get your financial house in order Carroll County, MD You have no money in your pocket. Your car payment is late. You have credit card bills, a cell phone… more
Series: Discover how to get your financial house in order Carroll Co.
share
6 Part Blog Series: Discover how to get your financial house in order Carroll County, MD. Managing money is challenging. There is no doubt about that. According to a Money Watch article by Aimee Picchi, “Seven out of 10 Americans are strained by… more
What does the 25% interest rate mean to Carroll County, MD?
share
What does the 25% interest rate mean to Carroll County, MD? There is no easy answer because interest rates are driven by your credit scores and your debt ratios. Let’s look at a simple example just for a reference point. The average detached… more
Home Office for the holidays. Manchester, MD
share
Home Office for the holidays. Helen Keller said “The best and most beautiful things in the world cannot be seen or even touched - they must be felt with the heart. ” That’s what Christmas is about, love. This holiday season, starting before… more