James Rinaldo Jackson enjoyed a spurious lifestyle by stealing the identities of these famous individuals. Jackson became privy to their most intimate information including social security numbers, bank and credit card statements and even credit reports.
The former identity thief describes his wicked gift in his book, “Your Evil Twin.” When recounting his misadventures Jackson said, “It is very easy to be anyone you please, on any given morning you awake.” Jackson, who was quite good at thieving identities, has since gone straight. However, don’t take comfort in the fact that he is off the job or that when he was in the identity theft business he targeted the rich and famous. Though Jackson has turned over a new leaf, there are countless criminals who would rather steal your identity than create a financial identity of their own.
Identity theft occurs when personal identifying information is accessed, without permission, and used to commit a crime. Stealing the information in the first place is criminal and the Federal Trade Commission indicates that at least nine million Americans are victimized each year. The sad fact is most of these people will not realize the violation until their credit report or credit score is negatively affected and they are turned down when applying for credit. Then where to turn?
The first thing a victim of identity theft should do is to file a police report. With the police report in hand, you can go back to lenders, requesting the account be closed as fraud and to write off the debt so that you’re not responsible. Go through reports of all three credit-reporting agencies with a fine toothed comb. It is extremely important to move as much damage away from your credit as possible. Many lenders will provide a fraud affidavit – a notarized form – which indicates you had nothing to do with the fraudulent account.
Figure out the extent of the theft – whether, for example, your social security number has been compromised. Monitoring programs that are in place for monitoring your credit reports can help you. Placing a fraud alert on your credit report will necessitate that the creditor contact you before any credit in your name is approved. It will also assist you while cleaning up the mess left behind by the identity thief. There may be a number of accounts to dispute and a copy of the notarized affidavit and police report will go a long way as documented proof of innocence.