I'm a Military wife, mom of boys, life style writer, love music, baker, crafter, foodie, picture taker, fitness junkie, LOVE being outdoors and secret Starbucks addict.

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Identity Theft – Lesson Two

If you missed my first article in this three part series, please click here for the first article.

“Detect suspicious activity by routinely monitoring your financial accounts and billing statements.”- ftc.gov

The second “D” in the ID theft series is…… “DETECT”

Your financial accounts are well, YOURS. You are the only one who has access, or should have access to these accounts and you should be the one to monitor the activity and report anything that is out of your regular spending habits. VISA gives you 90 days to report anything that is fraudulent, that is 3 months worth of time to go through your statements. If you don’t check your accounts on a regular basis, you should. This is the OCD part of me about checking things.

Be on alert for some signs that usually require immediate attention. Pay attention if your bills come through the mail and they don’t show up on time. Be alert if you receive calls or letters about purchases you didn’t make, or have denials of credit for no reason.

Inspect your credit report. Your credit report contains information about you, including what accounts you have and your bill payment history. There are 3 credit bureaus. Equifax, Experian and Transunion. You are able to get a FREE credit report, ONE from EACH bureau  a year. You can get them all at once and go over them OR you can get one from Equifax now, then Experian 4  months from now, then Transunion 4 months after that. That way you can check your credit throughout the year and make sure that there is no fraud on your credit report.

www.annualcreditreport.com

Other Related Articles:

Online shopping

Getting out of debt

Mortgage modification

Credit Card safety tips

ID Theft

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