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1.
If a credit bureau issues an alert that you may be, or have been, the victim of identity theft, what is a creditor's responsibility?
A creditor must take extra steps to verify the identity of anyone making a transaction on your account(s). In the case of an extended alert, you may request that the creditor call you before any transactions are allowed.
2.
If you need to close a financial account in the event of fraud, it helps to fill out a fraud dispute form with the company. It will carry more weight if it is accompanied by _______.
An identity theft report filed with the police department. A report like this carries legal authority.
3.
What is an identity theft affidavit?
It is a form provided by the Federal Trade Commission that creditors may accept when you claim you are not responsible for new transactions. The information you provide will help creditors investigate your claim.
4.
An action in which you restrict access to your credit report is called _______.
A credit freeze. A freeze lets you restrict access to your report, except when you lift it.
5.
If your telephone service becomes a victim of identity theft, which federal agency can assist you?
Federal Communications Commission. The FCC handles communications-related issues.