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8. Put a security freeze on your account - You have
the right to put a security freeze on your credit file
so it is not shared with prospective creditors. A
thief can also have all your information - name, date of birth, and even social security number, but will not
be able to do anything as your account can not be accessed and assessed for credit to be issued.
To put a freeze on your account, you have to write
each major credit bureau. If you have been a victim of
identity theft, this is done for free, if not there is
a fee. There is a charge to lift the freeze either for
a period of time or for creditor you have approved to
access your report. For the fees visit
Fees of Freezes for individual states.
9. Do not lose your wallet/purse - I believe this is
self explanatory. Be aware of where your wallet/purse
is at all times. If you find your credit card missing
report immediately. Under federal law if you report
the loss of your card before it is used, you’re not liable
for any of charges you did not make. If you report after it is
stolen, the most you would be liable for would be $50.
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