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Visit the web sites listed above to learn how to order your free annual reports. And read the PRC's guide on these "credit report free no credit card Utica specialty reports." www.privacyrights.org/fs/fs6b-SpecReports.htm 8. ATM cards. If your ATM or debit card has been stolen or compromised , report it immediately.

You may be liable if the fraud is not reported quickly. Start with a phone call and immediately follow up in writing. Be sure to read the debit card contract for information about liability. Some cards are better protected in cases of fraud than others. ATM and debit card transactions are subject to the Electronic Fund Transfer Act. (15 USC §1693) Even if you are a victim of identity theft, your liability for charges can increase the longer the crime goes unreported.

For more on EFTA, see the FTC's guide, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm. Also read its guide on electronic banking, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtm 9. Brokerage accounts. You do not have the same protections against loss with brokerage accounts as you do with credit and debit card or bank accounts. free credit report ca

The Securities Investor Protection Corporation ( www.sipc.org ) restores customer funds only credit report free no credit card Utica when a brokerage firm fails. If an identity thief or other fraudster targets your brokerage account, refer to your account agreement for information on what to do. Immediately report the incident to the brokerage company and notify the credit report free no credit card Utica Securities and Exchange Commission, www.sec.gov Also notify the credit report free no credit card Utica Financial Industry Regulatory Association, formerly NASD, www.finra.org. To protect against fraud, put a password on each of your investment accounts. financial background check For more on identity theft involving brokerage accounts, how it can happen, and what to do, see the PRC alert, www.privacyrights.org/ar/BrokerageAlert.htm 10. mail. Notify the local Postal Inspector if you suspect an unauthorized change of your address with the post office or if the U.S mail has been used to commit fraud. Notify the local Postmaster to forward all mail in your name to your own address. Postal Service to find the nearest Postal Inspector at (800) 275-8777 or visit its web site at http://postalinspectors.uspis.gov/. The online complaint form is available at https://postalinspectors.uspis.gov/forms/MailFraudComplaint.aspx. Postal Service, Criminal Investigations Service Center, Attn: Mail Fraud, 222 S. Riverside Plaza Suite 1250, Chicago, IL 60606-6100.

Secret Service has jurisdiction over financial fraud. Attorney guidelines, it usually does not investigate individual cases unless the dollar amount is high or you are one of many victims of a fraud ring.

To credit report free no credit card Utica interest the Secret Service in your case, you may want to ask the fraud department of the credit card companies and/or banks, as well as the police investigator, to notify the Secret Service agent they work with http://www.secretservice.gov/criminal.shtml. free credit report from all three agencies Social Security number (SSN) misuse. The Social Security Administration (SSA) does not in most cases provide assistance to identity theft victims.