Identity Theft & Scams Archives | Arizona Credit Lawyers
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Identity Theft Repair 101: How To Dispute Credit Card Fraud Charges On Your Credit Report

Identity Theft Repair 101: How To Dispute Credit Card Fraud Charges On Your Credit Report

How To Protect Your Credit Score & Accounts From Identity Theft in Arizona If you are a victim of identity theft, you may be feeling discouraged and vulnerable. The most important thing you can do is take action. It won’t help to sulk about your misfortune. Start making the right phone calls and meet with credit lawyers in Arizona if you need help to get your finances back on track. The biggest concern with identity theft is getting your money back if there are continual charges on your account or loans taken out in your name. But another factor is your credit report. How will this affect your credit score? Here’s what you need to do to ensure that your credit report stays free of fraudulent charges during this time. Contact the FTC (Federal Trade Commission) & Credit Bureau Along with contacting your bank and credit card company, you need to alert the FTC (Federal Trade Commission) as well to watch for and identify continuing fraudulent charges. There will be charges that have already been processed that you can dispute later on your credit report. But the quicker you can notify the credit bureau that fraudulent charges will be coming through, the better. When your account is flagged for identity theft, fixing all the false charges will be easier in the future. Place Fraud Alerts & Freezes on All Credit Accounts & Alert Authorities Stop the identity thief in their tracks by blocking all further charges. And report the identity theft to the police. Take all the steps necessary to eliminate fraudulent charges under your name and other damage...
Tips for Arizona Consumers who are Pulling their Credit Reports for the First Time

Tips for Arizona Consumers who are Pulling their Credit Reports for the First Time

It’s important for Arizona consumers who want to build and maintain a good credit score to regularly pull and check their credit reports. This will allow you to catch suspicious activity that could indicate identity theft and find errors that might bring down your credit score. If you’ve never checked your credit reports, don’t worry. Now is a good time to start. It won’t cost you anything to request copies of your credit reports from each of the three major reporting bureaus. It’s also fairly simple to make these requests, but there are a few things you should know if you’re pulling your credit reports for the first time. How Arizonians can Simplify the Process for Pulling Credit Reports There is a federal statute known as the Fair and Accurate Credit Transactions Act. It grants you a free copy of your credit report from each of the major reporting bureaus every 12 months. If you have looked at your credit reports in a while, or if it’s your first time pulling them, it’s best to request all three at once. You can go to TransUnion.com, Experian.com, and Equifax.com and request a credit report from each bureau individually. There are online forms on each credit bureau’s website. Or, you can get their addresses and write letters requesting physical copies of your credit reports through the mail. Of course, the most convenient way to get copies of your credit reports from TransUnion, Experian, and Equifax is to go to www.annualcreditreport.com and fill out the easy online form offered here. Credit Report Pulling Prep-Work If you choose to fill out an online...
Why Arizona Consumers should be Concerned about what Happens on the Dark Web

Why Arizona Consumers should be Concerned about what Happens on the Dark Web

Most Arizona consumers have at least heard about the Dark Web, but they may not know exactly what it is or why it exists. Of course, it isn’t a real place. The Dark Web is a term that describes the part of the internet that is inaccessible to most internet users. If you’re an average Arizona consumer, Dark Web activity should give you cause for concern. Why? This is where hackers go to sell stolen personal identifiable information (PII) online. If you are the victim of a single identity thief or a large-scale data breach, it’s likely that your data will show up on the Dark Web. Here, a fraudster can simply purchase it the way you might buy a toaster on Amazon. That’s pretty scary, huh? A Quick Rundown for Arizonians about the Differences between the Dark Web and the Deep Web Here is a fact that most Arizona consumers will find surprising: Over 90% of the internet is known as the Deep Web. This just means that a huge chunk of the internet isn’t searched by search engines, and most of the Deep Web is pretty innocent. Actually, it’s mostly made up of things like school websites, internal business pages, and database entries that are searchable within a site. For example, if you have access to your son or daughter’s school lunch menus or bus schedules, this information is probably part of the Deep Web. However, you can still get to it because you were given access, but it isn’t publicly searchable. What is publicly searchable on the internet? Any web address that starts with “www,” which...
How Your Credit Report Can be Damaged Without Your Knowledge

How Your Credit Report Can be Damaged Without Your Knowledge

Credit Reporting Agency Errors Credit reporting agencies are also capable of making mistakes that can harm a person’s credit. Such mistakes are made when the reporting agency retrieves the wrong information and passes it on to a lender. For instance, the lending institution may request information on a John Smith who lives in Los Angeles, California, but the reporting agency may accidentally deliver information about a John Smith who lives in New York City. Therefore, the person may subsequently be turned down for a loan or other financial arrangement based on the wrong information. If you suspect that your rights have been violated or that you are a victim of a credit error, Arizona Credit Lawyers can help. Contact us without delay to minimize your damages and prevent future problems. Published By: Arizona Credit Lawyers – Gary Nitzkin 3260 N. Hayden Road, Suite 210 Scottsdale, AZ 85251 Phone: 480-771-6001 / 480-771-6001 Email: info@azcreditlawyers.com Website:...