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An Outsourcer’s Passage To India: How To Do It, Part I
Frankfurt airport departure lounge. Full of western tech executives, each with an open laptop. They're all from different companies, all travelling separately. But one particular subject is making them feel like they're old college buddies, and...

Business Continuity and Disaster Recovery - A Business Not a Technology Issue
Hackers, hurricanes, fires, flooding, power outages, denial of service attacks, application failures, employee error, sabotage and now terrorism are helping companies to focus on the necessity of a business continuity plan. Through the late...

Drive Solutions Inc, Expands Data Recovery Service
For over 11 years Drive Solutions, Inc. has been selling hard to find early model hard drives as well as new drives to large corporations, small business, and individuals alike. During this time Drive Solutions has performed Data Recovery...

How to Check the Status of Your Tax Refund Online
So, you were pleasantly surprised to learn that you are getting a refund on your taxes. Congratulations! The IRS expects to issue approximately $54 billion dollars in refunds for the 2003 tax year. The question for most taxpayers expecting a...

Webfarms II: Balancing The Load.
Okay, so you understand webfarms now. What's the magic that actually distributes the load, and how does it determine how the distribution is handled? At ORCS Web we use the Foundry Server Iron products to perform our webfarm load-balancing. If one...

 
...Identity Theft Recovery: The Road Back

Not too long ago, a friend of mine mentioned that one of his coworkers recently recovered his stolen identity. I asked how long the process took. "Only two years" he replied.

Compared to my business partner's six year nightmare "only" maybe appropriate but like most victims of identity theft, he probably thought "when". As in, "when will I get my life back?"

Privacy Rights Clearinghouse, a consumer nonprofit organization, reported that victims spend on average 175 hours trying to recover their identity, often over a period of years. Factor in out of pocket expenses, (usually over $1,500 according to the FTC) and recovery gets painfully magnified.

What are the steps to identity restoration? It starts with obtaining a police report. That report doesn't mean other law enforcement agencies have been contacted. Yet you must do a complete search of local and federal law enforcement databases too find out if anything else, including criminal activity exists on your identity.

You're also going to need the police report to contact the many and I mean many different agencies and organizations, including the Social Security Administration, The Federal Trade Commission, all of your financial institutions, the 3 major credit bureaus, the Passport Office,The Department of Motor Vehicles, the Post Office, as well as the Medical Information Bureau . All of these places must be sent a fraud notification alert. Concerning your financial institutions, get them to cancel your credit cards and close your bank accounts. Find out from your bank about any suspicious activity, such as accounts tampered with or opened fraudulently. Reopen new bank accounts with password verification.

Know your rights. According to the Fair Credit Reporting Act of 1992, you must be told not only what's in your file but if that information is being used against you. The Federal Trade Commission recently expanded the rights available to victims of identity theft, including your right to get negative information due to fraud blocked from your records.

This brings us to the credit bureaus. Make sure your


credit report reflects the identity theft and gets flagged with a fraud alert. Many victims have received assurances that the matter would be resolved, however months and sometimes years later, the credit bureaus have not cleared their records. This without a doubt ranks as THE biggest headache for identity theft victims.

Once a negative gets put on your record, it seems the credit bureaus refuse to remove it, in spite of the countless documentation you provide to them. This can affect you well into the future when buying a house, car or any other big ticket item. If you are going to do this by yourself, constant follow up is critical. That goes for all the organizations but especially the credit bureaus. Be diligent until the matter gets resolved. Getting a lawyer wouldn't be a bad idea.

Stay Away from "credit repair companies". No matter what they advertise, there's usually nothing they can do to help you with identity theft. Some of them even offer to help you apply for credit under a new identity. Hello? When trying to eliminate fraud from your record you don't want to create more fraud!

Advise the utility companies. It's not just bank accounts and credit cards. Many identity thieves commit fraud by opening telephone accounts, purchasing cable television or establishing credit with the gas & electric companies, in the hopes it will go unnoticed for as long as possible.

If necessary get counseling. Identity theft can be a shattering experience mentally and emotionally. Victims and family members often feel violated. It's not their fault of course but the feelings remain. A network of support groups and counselors exists if you need it.

The road back from identity theft can take years, cost a lot of money,and cause much stress and pain . But with follow up, support and belief that the nightmare will end...the nightmare WILL end.

About the author:

Daryl Campbell is a writer and home business owner. What it took you years to build, Identity thieves can take and destroy within hours. Get the professionals on your side to watch your back 24/7. http://digbig.com/4fcpt

 

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Content Menu
  • 10 easy steps to speed up your computer without upgrading

  • 10 proven tips to survive a computer crash

  • 7 critical steps to protect your data

  • add value by documenting your business

  • an introduction to tape backup

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  • background of password cracking

  • backing up your stuff part 2 a solution

  • before you take the plunge essential information on data recovery

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  • business continuity and disaster recovery a business not a technology issue

  • business continuity and disaster recovery business impact analysis

  • business continuity and disaster recovery reducing your risk profile

  • business continuity and disaster recovery risk analysis and control

  • business continuity and disaster recovery selecting a business continuity strategy

  • business continuity and disaster recovery the business continuity and disaster recovery plan

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  • business needs vs network performance critical challenges facing network managers

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  • career paths for a comptia a certified technician

  • career paths for comptia a certified technician

  • choosing a data recovery company

  • choosing data recovery company

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  • compensating for disruptions in the oil and gas industry

  • computer data recovery options

  • computer disposal throwing away your computer money and idenity

  • computer viruses the basics

  • coping with a serious data loss from your computer hard drive

  • corporate information security is our information more secure since september 11th

  • datarecoverynet com enters medical industry

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  • data backups one key to business survival

  • data recovery

  • data recovery 1 on 1

  • data recovery and data loss a costly proposition

  • data recovery and data safety tips

  • data recovery beginners tips

  • data recovery for less

  • data recovery from laptops

  • data recovery made easy

  • data recovery software at your rescue

  • data recovery software comparison

  • data recovery the best method is prevention

  • data recovery the easy way

  • data recovery what not to do

  • data recovery what you need

  • data recovery you can get it back

  • data security are your assets secure

  • dealing with your pending pc disaster a guide for small business

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  • dirty little computer viruses and how to protect yourself

  • disaster planning ­v how important is it to you

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  • drive solutions inc expands data recovery service

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  • identity theft and credit reports

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  • identity theft the road back

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  • intranet

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