As we grow older we become more and more aware of how our credit rating affects a lot of aspects in our lives. Without decent credit you will not be able to buy a house or a car or even get a credit card. The world has gotten so wrapped up in what a person’s credit rating is that a lot of job cannot be obtained unless you have good credit. Landlords are even starting to check a person’s credit before renting a home or an apartment out to a person. This is why it is important for you to check identity theft on your credit report because it could hurt you a great deal if you do not.
To check identity theft means that you are being proactive in making sure that your credit rating is protected. You would not want to be close to buying the home of your dreams only to have it all crumble because you did not check identity theft issues on your credit reports. While you can eventually get everything cleared up, you may miss out on that house of your dreams because of the time it takes to get everything cleared up. Once you suspect that a thief has affected your credit, it is important to notate your reports for identity security purposes.
Steps To Take
If when you check identity theft on your credit report there is something or several things that seem out of place you need to take action right away. The first thing to do is to think clearly to make sure those credit marks and accounts opened were not something you or a spouse did and just forgot about. Once it is determined through your check identity theft search that you have been hit, contact the local authorities to take action. It is important that the police try and figure out who stole your identity in order to obtain credit so that they do not hurt anyone else.
After all of that is said and done, let all of the credit reporting agencies know that you did check identity theft and it came up that there is foul play being reflected on your credit reports. You will probably have to provide them with a copy of the police report to show that you are taking action on this matter. The credit agencies do have procedures they have to follow and should work as quickly as possible to get your credit report all cleared up and back to normal.