Salmon Agency - Oviedo Insurance - Florida Auto, Home, Life

March 2014 Archive

Don't Let Identity Theft Keep You in the Dark: Allstate Highlights Steps to Protect Against or Recover from ID Theft

Thursday, March 6, 2014

Consider your reaction when bills arrive in your mailbox for products you never ordered or services you never used. Suddenly you notice that “mistakes” are appearing on your credit card and/or bank statements, and debt collectors are calling about debts that don’t belong to you.

Allstate gives its eligible auto and homeowners policyholders peace of mind from ID theft whether from a lost or stolen laptop, wallet, purse; a fraudulent credit card charge; or anytime you feel that your identity might be vulnerable. The company offers proactive education to help prevent identity theft and comprehensive case management for the duration of the identity resolution process.

All consumers can access resources on identity theft from the Federal Trade Commission who suggests that they complete these steps immediately upon learning of fraud:

1. If you notice signs of fraud, place an initial fraud alert ‐ Call one of the credit reporting agencies and ask that they place a fraud alert on your credit report. The agency you call is then responsible for alerting the other two, and the initial alert is good for 90 days. The agency can also add a freeze to their credit files, in the more extensive fraud situations.

2. Order your credit reports ‐ Order your credit report from one of the three, nationwide credit reporting agencies. Review them carefully for errors or signs of fraud, and share notable information with the credit reporting company.

3. Create an identity theft report ‐ File a complaint with the FTC via their Web site or by calling them at 1‐877‐438‐4338. The completed complaint is called an FTC affidavit. Take the affidavit to the police department where the theft occurred and file a police report. These two items comprise the identity theft report.

Once these steps are completed there are additional measures you can take that may help the situation:

A. Contact the issuers of your credit cards immediately ‐ Most companies provide toll‐free numbers that are manned 24/7 to deal with this type of event.

B. Alert your bank(s) ‐ If they have a process in place to do so, consider putting a fraud alert on your accounts.

C. Notify other, applicable organizations of the fraud, including (but not limited to): • Social Security Administration

• Department of Motor Vehicles

• Your utility companies

• Your health providers

4. Take steps to repair your credit ‐ The FTC provides tips on things you can do to try to repair your credit after you have been the victim of fraud.

For additional information about Allstate Identity Restoration Coverage, please visit www.allstate.com or call your local Allstate agent Lincoln Salmon at 407-365-1766.

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