Annual credit report free Salisbury

While reserving a rental car, you give your credit-card number to the reservation agent over the phone.

What you don’t know is that an identity thief is paying rapt attention – and writing down every detail. By the time you arrive to pick up annual credit report free Salisbury your rental car, your credit card has been denied.

Confused and frustrated, you call your annual credit report free Salisbury credit-card company, only to discover that the card has been used and maxed out. The identity thief hijacked your card annual credit report free Salisbury and used it for his or her own purchases.

You discard canceled checks, credit card and bank statements without shredding them to protect sensitive information. An identity thief engages in “dumpster diving” – going through your trash to collect your data. You receive an email that requests you to “reset your data” with your bank, or perhaps even a bank that isn’t your own. You’re confused, but you comply with the request, entering sensitive banking information as well as your Social Security number. 1 free credit report You press send – and the identity theft has just obtained personal data through a simple email message.

Fortunately, buying credit protection or a monitoring system for your credit can prevent this. Here’s why: According to the Federal Trade Commission, nearly 10 million Americans are victims of identity theft per year, with an average loss of $5,000 per victim. The FTC adds that it takes the average victim of identity theft 12 months to notice that the crime has occurred. By that time, the damage has already been done, and cleanup can take years. A credit-monitoring system will notify you of changes in your credit on a daily or weekly basis, alerting you well in advance that your data may have been compromised. dispute credit report Credit protection and monitoring systems cost extremely little compared to the annual credit report free Salisbury damage identity thieves can do to your credit score. Enrollment in these systems has absolutely no adverse affect on your credit and can, in fact, save your financial life. Credit protection and monitoring systems do annual credit report free Salisbury the work for you. Once you enroll, there’s no need to continually review your credit – you’ll be notified of any changes to your credit report. If you’re preparing for a major purchase, thinking about applying for a credit card, or hoping to obtain the apartment or job of your dreams, you’ll want to keep extremely close watch on your credit. A credit-protection or monitoring system can help you do this with a minimum of effort. By protecting your credit, you’re annual credit report free Salisbury not only acting on your own behalf, but protecting your family as well. Loved ones also suffer when your credit is annual credit report free Salisbury hijacked – monitoring your credit report can help provide a stable base for your entire household. best free credit report Getting a monitoring system for your credit is simple. First, it’s important to research your options to find one that best fits with your individual needs. Once you’ve found the right program for you, you’ll fill out an online application and provide personal information such as your name, phone number, Social Security number, and address.