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In 2002, 41% of all ID theft complaints involved a credit card. That percentage has dropped to 21% in 2008.[41] Two states, California[42] and Wisconsin[43] have created an Office of Privacy Protection to assist their citizens in avoiding and recovering from identity theft. In Massachusetts in 2009-2010, Governor Deval Patrick made a commitment to balance consumer protection with the needs of small business owners. His Office check credit report free Savannah of Consumer Affairs and Business Regulation announced certain adjustments to Massachusetts' identity theft regulations that maintain protections and also allows flexibility in compliance. These updated regulations went into effect on March 1, 2010. The regulations are clear that their approach to data security is a risk-based approach important to small businesses and might not handle a lot of personal information about customers.[44][45] Most states followed California's lead and enacted mandatory data breach notification check credit report free Savannah laws. As a result, companies that report a data breach typically report it to all their customers.[46] Surveys in the USA from 2003 to 2006 showed check credit report free Savannah a decrease in the total number of victims and a decrease in the total value of identity fraud from US$47.6 billion in 2003 to $15.6 billion in 2006. credit check for free The average fraud per person decreased from $4,789 in 2003 to $1,882 in 2006.

The 2003 survey from the Identity Theft Resource Center[47] found that: In a widely publicized check credit report free Savannah account,[48] Michelle Brown, a victim of identity fraud, testified before a U.S. Brown testified that: "over a year and a half from January 1998 through July 1999, one individual impersonated me to procure over $50,000 in goods and services. Not only did she damage my credit, but she escalated her crimes to check credit report free Savannah a level that I never truly expected: she engaged in drug trafficking. The crime resulted in my erroneous arrest record, a warrant out for my arrest, and eventually, a prison record when she was booked under my name as an inmate check credit report free Savannah in the Chicago Federal Prison." In Australia, identity theft was estimated to be worth between AUS$1billion and AUS$4 billion per annum in 2001.[49] In the United Kingdom the Home Office reported that identity fraud costs the UK economy £1.2 billion annually[50] (experts believe that the real figure could be much higher)[51] although privacy groups object to the validity of these numbers, arguing that they are being used by the government to push for introduction of national ID cards. free credit check history Confusion over exactly what constitutes identity theft has led to claims that statistics may check credit report free Savannah be exaggerated.[52] The public fascination with impostors has long had an effect on popular culture and extends to modern literature, and cinema.[53] fixed rate credit cards Many people today have bad credit or low credit scores. This could be because of several reasons such as: medical bills, divorce, no insurance, credit cards and many other reasons. You should pay all debts and repay your bad credit as soon as possible as it will blemish your financial record and prevent you from getting a loan and also you will be plagued with telephone calls from the Financial Institution to pay up your check credit report free Savannah pending bills. If you are one such individual who is suffering from bad credit here are some useful tips on what you can do to repair your bad credit: The first thing that you will need to do is to get check credit report free Savannah a copy of your credit report from all three major crediting agencies: Experian, Transunion and Equifax. The credit reports will list all your credit accounts, both the good and bad. If there is an error, write to the bureau and ask it to fix the mistake. You check credit report free Savannah should also contact the creditor who reported the error. access credit reports Some creditors will contact the bureau on your behalf. If your debts are overwhelming, contact a non-profit credit counseling organization to work out a debt consolidation plan. A counselor will help you consolidate you debts and will contact your debtors on your behalf to reduce or eliminate finance charges which can reduce your monthly payments by up to forty percent.