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What are the first steps I should take if I’m a victim of identity theft?

  

If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the items of your conversations and copies of all correspondence.

 

Place a “fraud alert” on your credit reports and review your credit reports.

  

Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three firms to put an alert. The firm you call is required to contact the other two, which will place an alert on their versions of your report, too.

 

Equifax: 1-800-525-6285;  P.O. Box 740241, Atlanta, GA 30374-0241

 

Experian: 1-888-EXPERIAN (397-3742); P.O. Box 9532, Allen, TX 75013

 

TransUnion: 1-800-680-7289; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

 

Once you place the fraud alert in your file, you’re entitled to order free copies of your credit reports, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports. Once you receive your credit reports, review them carefully. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain. Check that information, like your Social Security number, address(es), name or initials, and employers are correct. If you find fraudulent or inaccurate information, get it removed. Continue to check your credit reports periodically, especially for the first year after you discover the identity theft, to make sure no new unlawful activity has occurred.

 

What is a fraud alert?

  

There are two types of fraud alerts: an initial alert and an extended alert.

 

An initial alert stays on your credit report for at least 90 days. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial alert is appropriate if your wallet has been stolen or if you’ve been taken in by a “phishing” scam. When you place an initial fraud alert on your credit report, you’re entitled to one free credit report from each of the three nationwide consumer reporting companies.

 

An extended alert stays on your credit report for seven years. You can have an extended alert placed on your credit report if you’ve been a victim of identity theft and you provide the consumer reporting company with an “identity theft report.” When you place an extended alert on your credit report, you’re entitled to two free credit reports within twelve months from each of the three nationwide consumer reporting companies. In addition, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then.

 

To place either of these alerts on your credit report or to have them removed, you will be required to provide appropriate proof of your identity: that may include your Social Security number, name, address and other personal information requested by the consumer reporting company.  If you have questions about the process, a qualified credit repair company may be able to assist you.

 

When a business sees the alert on your credit report, they must verify your identity before issuing you credit. As part of this verification process, the business may try to contact you directly. This may cause some delays if you’re trying to obtain credit. To compensate for possible delays, you may wish to include a cell phone number, where you can be reached easily, in your alert. Remember to keep all contact information in your alert current.

 

What is an identity theft report?

 

An identity theft report may have two parts:

 

Part One is a copy of a report filed with a local, state, or federal law enforcement agency, like your local police department, your State Attorney General, the FBI, the U.S. Secret Service, the FTC, and the U.S. Postal Inspection Service. There is no federal law requiring a federal agency to take a report about identity theft; however, some state laws require local police departments to take reports. When you file a report, provide as much information as you can about the crime, including anything you know about the dates of the identity theft, the fraudulent accounts opened and the alleged identity thief.

 

Part Two of an identity theft report depends on the policies of the consumer reporting company and the information provider (the business that sent the information to the consumer reporting company). That is, they may ask you to provide information or documentation in addition to that included in the law enforcement report which is reasonably intended to verify your identity theft. They must make their request within 15 days of receiving your law enforcement report or, if you already obtained an extended fraud alert on your credit report, the date you submit your request to the credit reporting company for information blocking.

 

The consumer reporting company and information provider then have 15 more days to work with you to make sure your identity theft report contains everything they need. They are entitled to take five days to review any information you give them. For example, if you give them information 11 days after they request it, they do not have to make a final decision until 16 days after they asked you for that information. If you give them any information after the 15-day deadline, they can reject your identity theft report as incomplete; you will have to resubmit your identity theft report with the correct information.

 

You may find that most federal and state agencies, and some local police departments, offer only “automated” reports, reports that do not require a face-to-face meeting with a law enforcement officer. Automated reports may be submitted online, or by telephone or mail. If you have a choice, do not use an automated report. Why? It’s more difficult for the consumer reporting company or information provider to verify the information. Unless you are asking a consumer reporting company to place an extended fraud alert on your credit report, you probably will have to provide additional information or documentation when you use an automated report.

 

Close the accounts that you know, or believe, have been tampered with or opened fraudulently.

 

Call and speak with someone in the security or fraud department of each company. Follow up in writing, and include copies (NOT originals) of supporting documents. It’s important to notify credit card companies and banks in writing. Send your letters by certified mail, return receipt requested, so you can document what the company received and when. Keep a file of your correspondence and enclosures.

 

When you open new accounts, use new Personal Identification Numbers (PINs) and passwords. Avoid using easily available information like your mother’s maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers.

 

If the identity thief has made charges or debits on your accounts, or on fraudulently opened accounts, ask the company for the forms to dispute those transactions:

 

For charges and debits on existing accounts, ask the representative to send you the company’s fraud dispute forms. If the company doesn’t have special forms, use the sample letter to dispute the fraudulent charges or debits. In either case, write to the company at the address given for “billing inquiries,” NOT the address for sending your payments.

 

Once you have resolved your identity theft dispute with the company, ask for a letter stating that the company has closed the disputed accounts and has discharged the fraudulent debts. This letter is your best proof if errors relating to this account reappear on your credit report or you are contacted again about the fraudulent debt.

 

File a report with your local police or the police in the community where the identity theft took place.

 

Then, get a copy of the police report or at the very least, the number of the report. It can help you deal with creditors who need proof of the crime. If the police are reluctant to take your report, ask to file a “Miscellaneous Incidents” report, or try another jurisdiction, like your state police. You also can check with your state Attorney General’s office to find out if state law requires the police to take reports for identity theft.

 

What do I do if the local police won’t take a report?

 

There are efforts at the federal, state and local level to ensure that local law enforcement agencies understand identity theft, its impact on victims, and the importance of taking a police report. However, we still hear that some departments are not taking reports. The following tips may help you to get a report if you’re having difficulties:

 

Furnish as much documentation as you can to prove your case. Debt collection letters, credit reports and other evidence of fraudulent activity can help demonstrate the seriousness of your case.

 

Be persistent if local authorities have told you that they can’t take a report. Stress the importance of a police report; many creditors require one to resolve your dispute. Remind them that consumer reporting companies will automatically block the fraudulent accounts and bad debts from appearing on your credit report, but only if you can give them a copy of the police report.

 

If you’re told that identity theft is not a crime under your state law, ask to file a Miscellaneous Incident Report instead.

 

If you can’t get the local police to take a report, try your county police. If that doesn’t work, try your state police.

 

(1) ONLINE GAMING

Play is an important contributor to human development, maturation and learning. That is why games are an essential ingredient in the curriculum of every school and college and also a popular pastime for adults. However, today’s busy lifestyle and living in matchboxes leave neither time nor room for outdoor games. This is when the internet comes in as a saviour to all those sports freaks who lack the opportunity.

Yes, online gaming is here to stay! Though computer games have been around for as long as there have been personal computers, online gaming is an increasing pastime and is popular due to the convergence of virtual worlds, games and social networking spiced up with Rich Internet Applications. Thousands of players from all over the world come together in one massive web that knows no team, nationality or boundaries. It is just a one to one challenge in a click’s notice!

Online gaming is a multi-million dollar industry today and thousands of websites have mushroomed in cyber-space that vie for the clicks of eager online gamers. Some have their link on another website but many are a separate entity. One such site is

addicting-games.org.uk which is solely dedicated to passionate gaming. Want to set the racing track on fire? Or be the sharp detective and break a coded message? Feel like helping Mario rescue the helpless girl? Then head for addicting-games.org.uk. From racing games to puzzles to board games to Harry Potter, this fantastic site offers a plethora of options to pacify gamers of all ages, likes and abilities.

As the name suggests one might get addicted to the site and never want to pull out of it! Besides giving the gamer the opportunity to learn new games and the pleasure of sharpening existing skills, online gaming also promotes social interaction. A player could have an opponent from the other side of the world who could be many years younger and from a completely different educational background. But all that matters here is skill. Interspersed with play is a chance to interact socially too. Best of all, online gaming follows a 24 x 7 calendar which is convenient for everyone living in any time zone on earth.

So, what are you waiting for? Grab the mouse! Surf the cyber space to enter the mesmerizing world of addicting-games.org.uk and addict yourself…..forever!

(2)  BEST GAMES WEBSITE

It’s the weekend and you are bored stiff with too much TV. You are wondering what to do! Chances are you will hit the internet and logon to some social networking site to join an ever increasing web of online gamers!

The online gaming community is growing. At a fast and furious pace! And why not? There is no need of joining expensive clubs to play some golf or football. You can hit those fantastic fours and sixes against a Bret Lee delivery with a deft click of your mouse. Or blaze past Raikkonen on the winding tracks at a Grand Prix from your chair! Or, easier still, you can opt for a more intellectual challenge with games that test your skills at solving puzzles, words and other popular games like chess.

The expansion of online games is largely an outcome of easy internet access and ever growing social communities on the net. Endless possibilities have also arisen after the integration of software like Flash and Java to the internet browsers. This has enabled streaming audio and video on websites and also made user interaction easy. Ranging from simple text-based games to those with complex graphics, online games have come a long way from single user to Massively Multiplayer Online Games.

One of the resultant effects of this is the growth of websites with links to playing online games or those that are completely dedicated to the games itself. One such popular site is

addicting-games.org.uk. It is mainly a community driven online gaming website whose main focus is online games but also provides for meeting up with new people and chatting with online buddies. With 578 games categorized under various genres of action/adventure, sports, puzzles, racing, shooting etc, the site boasts of a more than 390 members and still counting! All you have to do is to log on, register and start playing. It is that simple. You can create your own profile and strike up some good online buddies as you play. The best thing is that all of it is for free and anyone can join!

So, look no further, log on to addicting-games.org.uk and discover a whole new world of challenges and fun. All from the comfort of your home!

(3) GAMES AND FRIENDS IN ONE WEB!

Are you an online gaming freak who cant wait to log on to the net to play? Then join the ever increasing web of online game addicts who pursue their gaming interests passionately. The world wide web has indeed shrunk the world by many degrees and one of the most popular gathering places are online gaming communities.

While there are many websites that offer various kinds of games for enthusiasts,

addicting-games.org.uk is one that offers its members a unique cocktail of variety and spice! With a collection of 578 games and more than 390 members, it is slated to grow with popularity. It has a simple system of registering and then, logging on to start playing.

The website addicting-games.org.uk is solely dedicated to games. In a mood for action or adventure? There are 32 different games to choose ranging from Exreme Racing to Lord of the Rings battle! There are a still more under various genres like Puzzles (like Code Breaker and Jigsaw Puzzles) Shooting (like Asteroid Attack and Liner Assault) Retro, Sports (like Billiards, Mini Golf and Football) and Racing( like 3D Motorbike racing and MotoRush). Apart from this is a collection of miscellaneous games to suit the needs of gamers who like to try out different games. For new users, there are trial lessons along with clearly mentioned rules. Some games offer the user the choice of continuing the game the next time he or she logs on. This eliminates the nuisance of starting from the easier levels all over again the next time. Statistics of games played, points won and highest ever score etc make it more interesting and meaningful. You can climb up in the rank charts as you are rated according to your playing ability and in comparison to other players.

While playing, the user can also strike up some buddies online as there is room for social interaction also here. Creating an interesting profile will definitely be an attraction to other members with similar interests and could be the beginning of a long lasting friendship for you. Facilities to chat while playing adds spice to the game because one could be interacting with a person from the other side of the world which provides a good, healthy opportunity to exchange information about the countries, culture etc.

So, enter this virtual world of online games and get hooked forever!

(4) AN ADDICTING GAMES SITE

Are you an online games freak in search of a website that offers you a variety of games to choose from? Then, addicting-games.org.uk should be a permanent bookmark on your browser.

This unique website unfolds before you a collection of fascinating games to satisfy players of all ages and with different likes and abilities. A simple registration makes you a member and then starts the fun. Each game has a brief description to guide newcomers through the game and of course, trial lessons can give you the feel of it before you plunge into the actual game itself. Once you’ve challenged yourself many times and mastered the game you can try your skills out against an opponent from the ever-growing list of members registered on the site.

The games are sifted into genres according to the fare they offer. Under Action/Adventure, you can choose from a variety of games. There is the Ninja Hunter where you can wield your samurai against the toughest of enemies. Never learnt Karate or Kung Fu? No problems. You can try it out here at IK, and that too without the risk of breaking your back!!! The sky is the limit they say. In the real world, that’s a tough one you will agree. But in Reach the Sky, all you need is a few deft clicks of the mouse and some well-timed keyboard moves! Feel like being Harry Potter? Well, get ready to use your charms and spells to escape from Knock-Turn Alley.

Feel like playing some real sports? Then, click on Sports link and enter the virtually real world of sports! Realize your unfinished childhood dream of being the star of the sprinting track here as you take the 100m Dash challenge. You could be living in the hot tropics but you can still have a go at Ice Hockey from your keyboard! Feel like doing a Ronaldinho stunt? Then, Kicker it is.

On those days when you are in the mood to tickle your intellectual skills, hit the Puzzles link at addicting-games.org.uk for a variety of brain tickling challenges. You can play Robert Langdon and crack the encrypted codes to get the Da Vinci Code feeling. Or try worming out of tough Labyrinths. Or piece together intricate jigsaws.

All this and a lot more under the Shooting, Racing and Miscellaneous sections awaits you. The website also offers you a profile page where you can post details about yourself which you would like to tell others. You too can browse through hundreds of other profiles to find friends with similar interests.

Shouldn’t be long before you to get addicted to this wonderful gaming site which is perfect mix of pleasure and entertainment!

(5) CALLING ALL ONLINE GAMING ADDICTS

Does the very mention of Games pump up your adrenaline and make you want to pick up the sports gear and dash off to the nearest club or gym? What do you do if there is no gym or club around? Well, you don’t have to get depressed because this is the cyber age where everything and anything is always a possibility. Including games and sports! It is a virtual explosion of play out there in cyber space where virtually all sports fields, courts and boards are created and becoming a champ is only a matter of dexterous clicks of the mouse!

The world of internet is experiencing a new high in the arena of online gaming especially after the induction of Flash and Java into browsers. While online gaming started with subscription rates for members, today it has become so popular that many sites have offers for free, though a paid member has access to more and better services.

This has given rise to many gaming links and websites wooing surfers to try out their skills. Many sites have well planned gaming choices that are attractive and also safe to use. For instance, addicting-games.org.uk is a site where a plethora of games that cater to a variety of age groups and ability levels are available. What is more, it offers a wonderful chance to mingle with other members as well through chat windows and discuss game strategies besides striking up a lasting friendship.

Though online games have been frowned upon for its addictive side effects, it is touted as one of the best ways of improving your game skills coupled with social skills. An online gamer often starts with a challenge against a programmed computer. This not only enables the gamer to sharpen his own skills but also to learn new tactics in the game. Later, when the gamer is pitched against another gamer, there is further opportunity to try out these skills, learn more and compare oneself to others, and all this from the comfort of your home. It is an arena where every player has no nationality or boundary or age limit or physical ability. All that is required is deftness with the mouse and keyboard and a zest to play!

Online gaming has become so popular that it is an essential part of many social networking sites where meeting people and making friends over a board of chess or a game of football has become a favourite pastime. Playing against an experienced, champion in the game can be a valuable lesson in picking up expert advice to improve strategies of the game. Playing against another person from another part of the world can initiate a sort of “mouse-pal ship” with meaningful exchanges of cultural information as well!!!

Online gaming is a global phenomenon and is here to stay. It is perhaps, the key to bringing about a universal union of human beings and wean people away from differences of caste, creed or religion, uniting them into peaceful earthlings.