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August, 2001
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Can Consumers Fight Back Against Credit Fraud?
Access to your account information or personal data is not as implausible as you might think--social security number misuse has increased over the last two years,
resulting in a variety of credit-related crimes. Fortunately, you can fight back against credit fraud by learning how credit fraud
and identity theft occur, and by actively monitoring your credit report for unauthorized account use on a regular basis. Your credit report will list any new activity on accounts
you havent been using, as well as new accounts that you did not open.
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Potential credit fraud is pre-approved credit offers
A thief who intercepts one may fill out the application and change the address to obtain a credit card in your name
for which you will never receive a statement. (To combat this, some creditors will not issue a card to a new address on a pre-approved offer certificate, but this policy isnt universal.) This makes checking your credit report especially important, because it will show you if there are accounts being reported in your name of which you are not aware.
The thief may even make the minimum payments for a while, until such time as the card is maxed out. Then the account would eventually be turned over for collections--in your name, and listed on your credit report.
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