Identity Theft Straightening Out Your Credit In The Aftermath

October 18, 2017 0

in Financial Services @ 2:55 am

By Debbie Pettitt

FBI statistics reveal that identity theft is one of the fastest-growing crimes in the United States, with about 1 in 5 families in the U.S. being a victim of identity theft. Identity theft is obtaining another person’s personal information (e.g., name, social security number, credit card number, passport) without that person’s knowledge and using that information fraudulently. For someone who discovers they are a victim of identity theft, it is important to act fast. Here are some immediate steps to take in order to stop further misuse and to restore your good credit:

1. Contact the fraud departments of any one of the 3 credit reporting companies to place a fraud alert on your credit report. When a fraud alert is placed on your credit reports, creditors will contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert, and they are required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you’re entitled to order free copies of your credit reports. When you receive them, check them over carefully for any new accounts that may have been opened without your authorization. Also be aware of any new inquiries by banks, lenders and credit card companies that you were not familiar with.

2. Report the crime to your local police or sheriff’s department and request a police report.

3. Contact your creditors, banks, phone companies, and utility companies and have them freeze your accounts. Banks, credit card companies and other creditors may require a copy of your police report. You may be liable for a small sum of the fraudulent charges; check with each of your card issuers for their policies. Most creditors promptly issue replacement cards with new account numbers.

4. File a complaint with the Federal Trade Commission.

5. Monitor all bank and credit card statements and other bills carefully to ensure there are no fraudulent charges. If you find fraudulent checks or withdrawals on your bank account, notify the fraud department of your bank in writing immediately.

Stop payment on any missing checks and/or close your existing account. You can also notify the check verification companies not to accept further checks under the account number that was stolen. To find out if the identity thief has been passing bad checks in your name, contact SCAN @ 1800-262-7771.

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If unauthorized credit card charges appear, notify your credit card company in writing without delay.

6. If you believe the theft involved your social security number, contact the Social Security Administration. They may re-issue a lost or stolen social security card or may, under some circumstances, give you a new social security number.

As you know, your credit rating is all important. Every precaution should be taken to protect your credit rating. Once you have your identity straightened out, you might consider registering with Equifax Credit Watch. Equifax Credit Watch makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit Report – like when someone tries to get credit in your name or there are sudden changes in your credit card balances. – so you can act before serious damage is done.

Below are important phone numbers you will need for reporting your identity theft:

Credit Reporting Agencies:

Equifax 1800-525-6285

Experian 1888-397-3742

TransUnion 1800-680-7209

Federal Trade Commission Hotline:

FTC Hotline 1877-438-4338

Check Verification Companies:

Telecheck 1800-710-9898

Certegy 1800-437-5120

To find out if the identity thief has been passing bad checks in your name:

SCAN 1800-262-7771

About the Author: Copyright 2006 by Debbie Pettitt who is the webmaster for Understanding Identity Theft, providing essential information on identity theft, it’s prevention and what to do if you’re a victim. If you’ve been a victim of identity theft, this page may be helpful:


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Forthcoming Ipo In India}

October 5, 2017 0

in Financial Services @ 2:40 am

Forthcoming IPO In India


Vanesh Panchal

What Is Forthcoming IPO?

Without diving into a great deal of specialized points of interest, let us comprehend what an Initial Public Offering or IPO implies in extremely shortsighted terms. Give us a chance to say that there is a Company A, which is doing great, and needs to raise cash for further development.

Subject to satisfying all conditions set by the Securities and Exchange Board of India, the organization can raise cash by issuing crisp shares to people in general furthermore to choose venture banks, common assets, and foundations. The new issue of capital at an offer cost would be dictated by the shipper brokers and the organization.

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In this manner when shares are issued to the general population, the organization will then get its shares recorded and turn into an undeniable organization. The procedure of posting an organization by offering shares to different classifications of speculators is called an IPO.

An Initial Public Offering, or IPO, is the primary offer of stock by an organization to general society. An organization can raise cash by issuing either obligation or value. In the event that, the organization picks the value course, the main such offering of value shares to general society by means of posting of the shares in the securities exchanges is called an IPO.

Open organizations have a large number of shareholders and are liable to strict guidelines and regulations. The organizations must have a governing body and they should report budgetary data each quarter from a speculator’s outlook, the most energizing thing around an open organization is that the stock is exchanged the open business sector, similar to some other product. On the off chance that you have the money, you can contribute.

Geojit BNP Paribas offers its customers the office to subscribe to IPOs through its different online stages or by going by any of our branches the nation over. You can discover points of interest on IPOs, up and coming or open, on this page.

With the Indian economy blasting and a few organizations opening up to the world, IPOs proffer an incredible speculation opportunity. A standout amongst the most alluring elements of IPOs is that the shares offered are normally evaluated low. Actually, numerous an organizations’ stock cost can increment fundamentally amid the extremely same day that the shares are advertised. Along these lines, financial specialists can earn admirable returns by putting ahead of schedule in an organization through an IPO.

SRE helps customers put resources into the essential business sector through the IPO course in an easy way. Our relationship with driving dealer investors, for example, ENAM and ICICI, guarantees a smooth handling of IPO structures. We likewise give the most recent news about up and coming current IPO’s including their posting dates. Our veteran experts offer solid speculation exhortation in view of intensive essential exploration and instinctive technique of the at present open IPOs. Our internet offering focuses the nation over additionally empower financial specialists to present their structures till the most recent day of the issue.

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