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Don't Get Got by Identity Thieves

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A friend IM'd me the other day about something I had to post about, even though she might choke me after she reads it. She discovered this week that one of her credit cards had been canceled and reissued with a new credit limit, without her knowledge and permission.

That should send red flags up for anyone: "My identity may have been stolen!"

My friend was concerned, but busy career woman that she is, was putting off calling the card's issuer to see what was up. I insisted she call right then and there. And that's the same advice I'd give everyone reading. Identity theft can't be taken lightly, and if you think your identity may have been stolen for any reason, make resolving the issue your top priority. Like I told my friend, if someone has enough of your info. to tamper with a credit card in your name, they have enough to empty a bank account in your name, too.

The Federal Trade Commission has an identity theft web site that recommends four steps if you think you've been got:

1) Cancel any accounts that might have been affected.

2) Place a fraud alert in your credit report with all three agencies: Experian, Equifax and TransUnion.

3) File a report to the FTC.

4) File a report with local police.


I'm not sure how my friend's situation worked out, but whatever the case, nobody should take identity theft lightly.

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