Identity Theft is a growing problem, largely due to the availability of information in computer databases, increased use of credit, debit, and ATM cards, and doing business over the Internet.
Individuals often discover they have been victimized when they learn of purchases they did not make. The victim must then bear the burden and expense of reversing the damage and restoring their credit.
Information provided on individual credit reports can help people remain aware of their financial activity. As of September 1, 2005, New York residents are eligible to receive their credit report once every 12 months...free of charge.
For instant access to your free report from each of the three nationwide consumer reporting companies, visit https://www.annualcreditreport.com/cra/index.jsp. You may also request your credit reports by phone by calling 1-877-322-8228.
I hope you will find this information helpful and worth sharing with family and friends.
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