{"id":2072,"date":"2020-05-28T13:11:13","date_gmt":"2020-05-28T13:11:13","guid":{"rendered":"https:\/\/www.consumerslaw.com\/blog\/?p=2072"},"modified":"2020-09-16T15:15:55","modified_gmt":"2020-09-16T15:15:55","slug":"identity-theft-credit-report-error","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/identity-theft-credit-report-error\/","title":{"rendered":"Identity Theft During Economic Crises: Look for Credit Report Errors"},"content":{"rendered":"<p><img loading=\"lazy\" class=\"alignleft wp-image-1555 size-large\" title=\"Credit Score Consumers Law\" src=\"https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2020\/02\/Credit-Score-Excellent-1024x683.jpg\" alt=\"Credit Score Consumers Law\" width=\"742\" height=\"495\" srcset=\"https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2020\/02\/Credit-Score-Excellent-1024x683.jpg 1024w, https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2020\/02\/Credit-Score-Excellent-300x200.jpg 300w, https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2020\/02\/Credit-Score-Excellent-768x512.jpg 768w, https:\/\/www.consumerslaw.com\/blog\/wp-content\/uploads\/2020\/02\/Credit-Score-Excellent.jpg 1159w\" sizes=\"(max-width: 742px) 100vw, 742px\" \/><\/p>\n<p>You may think an identity theft hacker may not notice you. That\u2019s not true. The ways identity thieves pick their targets are more about accessibility. They don\u2019t care about your financial situation. Cybercriminals look for weak spots in personal financial security and privacy they can exploit for profit.\u00a0 Too often, the way we find we\u2019ve been financially hacked is when\u00a0credit report errors\u00a0are revealed. It\u2019s never at a good time, either. Most often it occurs when we\u2019re about to seek credit for a home mortgage, car or personal loan.<\/p>\n<p><!--more--><\/p>\n<h2>Finding a Credit Report Error: How Did Cybercriminals Find <em>You?<\/em><\/h2>\n<p>Social media is one of the main sources for cybercriminals looking for identity theft victims. Most of us became at-home workers or unemployed during the COVID-19 pandemic.<\/p>\n<p>At-home boredom led to more online communications and social media use than usual. The economic crisis resulting from so much unemployment also led to increased activity among cybercriminals. The two factors became a powder keg for unsuspecting social media users.<\/p>\n<h2>Financial Data is Gold to Cybercriminals<\/h2>\n<p>The original \u201chack\u201d may be your personal data. Hackers can use it or sell it to identity thieves. It\u2019s available on government websites and even \u201csecure\u201d websites, like Equifax\u00ae. In 2017, hackers accessed the personal information of more than 147 million Americans in the Equifax database.<\/p>\n<p>The FTC (Federal Trade Commission) later leveraged a $700 million fine, but the consequences were more far-reaching. Americans don\u2019t know who to trust with personal information. The Cloud only added to the confusion.<\/p>\n<h2>Two Things You Should Do<\/h2>\n<ol>\n<li><strong> If you\u2019ve been ignoring those change-your-password popups, stop ignoring them.<\/strong> The first way to reduce your risk of identity theft is to change passwords. Like most, you\u2019re probably using easy-to-remember passwords at several sites. Don\u2019t.<\/li>\n<\/ol>\n<p>Develop strong passwords. Although it&#8217;s important to develop passwords that are easy to remember, follow these guidelines:<\/p>\n<ul>\n<li>Be Unique: develop words with uncommon<br \/>\nsequences that combine at least 8 &#8211; 10 upper and<br \/>\nlower case characters, numbers and symbols.<\/li>\n<li>Avoid Personal Information: do not use your birthday,<br \/>\nfamily or pet names.<\/li>\n<li>Different Passwords for your Accounts: using the<br \/>\nsame password puts all of your accounts at risk.<\/li>\n<li>Store Passwords in a Safe Place<\/li>\n<\/ul>\n<p>Other ideas include:<\/p>\n<ul>\n<li>Don\u2019t click on email links; even friend\u2019s links. Send them an email asking if they sent the link. Check out 10 Tips to Prevent\u2026Email Hack<\/li>\n<li>Don\u2019t drop sensitive mail in a mailbox for pickup. Take it directly to the post office.<\/li>\n<li>Keep important documents (including your social security card) in a locked drawer or lockbox.<\/li>\n<li>Write checks only when necessary.<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>The next thing you should do is check your credit report. <strong>Now.<\/strong><\/li>\n<\/ol>\n<h2>About Credit Reports<\/h2>\n<p>You are entitled to <a href=\"https:\/\/www.consumerslaw.com\/blog\/how-to-get-a-copy-of-your-credit-report\/\">check your credit report<\/a> every 12 months for free. Late payments, bankruptcy, bills turned in for collection\u2026 These can harm your credit for years. More important, make sure your credit report is accurate and errors are corrected immediately.<\/p>\n<p>There are 3 steps to checking your credit report:<\/p>\n<ol>\n<li>Go to AnnualCreditReport.com and select the \u201c<a href=\"https:\/\/www.annualcreditreport.com\/requestReport\/requestForm.action\">request your credit report<\/a>\u201d button.<\/li>\n<li>Choose reports from Equifax, Experian or TransUnion. Questions will be asked and you may need to consult financial records to answer them. This keeps your credit report access limited to you.<\/li>\n<li>Review each requested credit report online and check for credit report errors.<\/li>\n<\/ol>\n<p>Common credit report errors include:<\/p>\n<ul>\n<li>Accounts \u2013 Inaccuracy, closed accounts reported open, false delinquencies\/dates<\/li>\n<li>Data \u2013 Erroneous information, <a href=\"https:\/\/www.consumerslaw.com\/blog\/does-your-credit-report-list-same-account-more-once\">multiple entries<\/a>, old debts that should be removed<\/li>\n<li>Identity \u2013 Wrong name, address, social security number, accounts you did not establish, <a href=\"https:\/\/www.consumerslaw.com\/blog\/someone-elses-information-my-credit-report\">someone else\u2019s information<\/a><\/li>\n<\/ul>\n<h2>How to Correct a Credit Report Error<\/h2>\n<p>If you encounter a credit reporting problem, don\u2019t wait to resolve it. Flitter Milz, P.C. is a national authority in consumer protection law. We offer a free evaluation of your <a href=\"https:\/\/www.consumerslaw.com\/blog\/what-is-a-consumer-law-attorney\/\">credit report problem<\/a> and can discuss effective ways to dispute with the credit bureaus. Contact our team today to find a fast and affordable resolution.<\/p>\n<p>The risk of identity theft is higher during economic downturns, but your diligence can protect your financial security. Call 866.259.0326 or <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">contact<\/a> us to learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may think an identity theft hacker may not notice you. That\u2019s not true. The ways identity thieves pick their targets are more about accessibility. They don\u2019t care about your financial situation. Cybercriminals look for weak spots in personal financial security and privacy they can exploit for profit.\u00a0 Too often, the way we find we\u2019ve &hellip; <\/p>\n<p><a href=\"https:\/\/www.consumerslaw.com\/blog\/identity-theft-credit-report-error\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">Identity Theft During Economic Crises: Look for Credit Report Errors<\/span> &rarr;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[50,38],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/2072"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=2072"}],"version-history":[{"count":7,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/2072\/revisions"}],"predecessor-version":[{"id":2133,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/2072\/revisions\/2133"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=2072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=2072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=2072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}