One of the best ways to check for identity theft is to keep a close eye on your credit report. The reports that come from Equifax, Experian, and Transunion conatin information about inquiries related requested in your name, as well as delinquent balances or other negative reports. The fair and Accurate Credit Transactions Act(Facta) enacted in December 2003 enables all Americans to get a free copy of their credit report, at their request each year from the three major consumer credit bureaus. One of the easiest ways to get a copy of your credit report is using a web site such as AnnualCreditReport.com. You will be asked personal questions in order to verify your identity, then you will be shown your report and be given an opportunity to print out your report.
- Step 1
You will be asked the state in which you reside in and then your identity information such as name, date of birth, social security number, and place of birth. All information that only you should know.
- Step 2
After verifying that the information displayed is your correct information, you will need to correctly answer one or more questions about credit that only you should know the answer to.
- Step 3
After verification you will be provided a link to view your credit report online. You will notice that all screens in this process are displayed using a secure Web page. If ever you come across a web page that does not display that it is a secure Web page then leave that site because it’s most likely going to be an unsafe site for you to so business on.