TAILIEUCHUNG - Credit Repair Sixth edition phần 5

tài khoản tính tắt hoặc bất kỳ hành động tương tự khác có thể được báo cáo từ ngày hoạt động cuối cùng trên tài khoản lên đến bảy năm. Ngày cuối cùng của hoạt động là không muộn hơn 180 ngày, kể từ ngày vi phạm pháp luật riêng của mình. | 4 36 CREDIT REPAIR 6. Identity Theft Protection Products and Insurance If you want to protect yourself from or at least minimize the financial losses that occur when your identity is stolen consider buying special identity theft protection. Many private companies often security agencies now sell products or packages designed to insure against identity theft damages or to protect you from becoming a victim. You can also find products on the Internet. Before you buy these services or products however check them out carefully. Some are scams designed to get your personal information and take advantage of you. One cheap product to consider a paper shredder. Also a number of insurance companies sell identity theft protection either as a separate insurance policy or as an option that comes with your homeowner s insurance policy. These policies provide compensation for common expenses associated with identity theft including lost wages mailing costs and attorneys fees. Identity Theft Resources Law Against ID Theft In 1998 Congress passed and President Clinton signed the Identity Theft and Assumption Deterrence Act 18 USC 1028 . This law makes the use of another person s identity with the intent to commit any unlawful activity under either state or federal law a federal felony. Violations of the Act are investigated by federal agencies including the Secret Service FBI and Postal Inspection Service and prosecuted by the Department of Justice. The law allows for restitution to victims. Additionally many states have passed or are considering laws related to identify theft. For a list of state identity theft laws visit the Federal Consumer Information Center s website at . Even if your state does not have a law specifically identified as an identity theft law the issue is likely covered under other state laws. CHAPTER 5 How Creditors and Employers Use Your Credit Report A. Who Can Look at Your .

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