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What Happens When You Are a Victim of Fraud?

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What Happens When You Are a Victim of Fraud?

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Many people have been victims of identity theft. "Identity theft happens when someone uses information about you without your permission" (5). Since it happens to so many people, it is good to know what to do if it happens to you.

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There are many ways identity thieves can steal you identity. The personal finance textbook says, "identify thieves could use your name and address, credit card or bank account numbers, Social Security number or medical insurance account numbers" (5) to steal a person's identity.

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If you fall victim to fraud, you can turn to the National Association of Consumer Advocates, or the NACA, for help. This is a "nonprofit association of attorneys and consumer advocates committed to representing consumers’ interests" (6).

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There are a few ways to know if someone stole your identity. One example would be if you were to see unusual spending on your credit card report. Other examples would be when: "you see withdrawals from your bank account that you cannot explain", "you do not get your bills or other mail", "you get medical or other bills for services you did not use", or "debt collectors call you about debts that are not yours" (5).

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To protect yourself, you should check your credit report frequently. This way you will know if anyone has been spending your money. To find your credit report, "there are three main credit reporting companies: Equifax, Experian, and Transunion" (6).