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Get Credit Report

Credit report plays an important role in your financial advances. You should get credit report to check your credit history and its impact on your financial life. Also you must get credit report to look for identity theft. Identity theft is growing menace and if you are a victim of it, you should take immediate measures to counteract it.

You must continue to ensure that your identity is yours and only yours. Here’s a checklist to help you along the way:

• Bank accounts -If an identity thief has tampered with your bank accounts, checks or ATM card, close the accounts immediately. When you open new accounts, insist on password-only access for extra security.
  


• Phone service - If an identity thief has established phone service in your name or is making unauthorized calls that are being billed to you, contact your service provider immediately to cancel the account. Open new accounts with new PINs.
  


• Mail - If an identity thief has stolen your mail and/or rerouted it to a new address, report it to your local postal inspector. Your local post office can refer you to the nearest postal inspection service.
  


• Driver's license - If you suspect that the thief used your identity to get a driver’s license, contact your Department of Motor Vehicles to report the crime.
  


• Bankruptcy - If the identity thief filed for bankruptcy under your name, write to the U.S. Trustee in the Region where the bankruptcy was filed. In your letter, describe your situation and provide proof of identity. You can find the address in the Blue Pages of your phone book under U.S. Government, Bankruptcy Administration.