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Elisha Hoffman Abrams Attorney At Law - Areas Of Practice
 

Stolen Identity:

Credit reports are compiled by three national credit bureaus: Equifax, Experian, and Trans Union, as well as by regional companies. The fraudulent use of names, social security numbers, and credit cards is on the rise. To cut your chances of becoming a victim of “Identity Theft”, call (888) 567-8688 to have your name removed from the major credit bureaus’ mailing lists for pre-approved credit. If you are a victim of identity theft, call the Federal Trade Commission’s hotline at (877) 438-4338. Federal law limits cardholders’ liability.

Some Visas and MasterCards now have zero-liability policies protecting their customers from identity theft. However, what is not covered is the expense of repairing a damaged credit history. A bad credit report can prevent you from getting a loan, a car, a mortgage, insurance, an apartment, and even a job. It is a good idea to inspect your credit report annually to identify whether there are errors and omissions on your credit reports. This inspection will also alert you if you are the victim of identity theft. You can order copies of your credit report from the three major agencies which are:

Equifax – (800) 685-1111 Experian – (888) 397-3742 Trans Union – (800) 916-8800

Federal law allows a credit bureau to charge up to $8.50 for a copy of your credit report. If you are the victim of identity fraud you should do the following:

1. Call the fraud departments of the major credit bureaus and ask that a fraud alert be placed in your file.

2. Call the fraud department of your creditors to close accounts that have been opened or used fraudulently. You should also request that creditors call you before opening or changing accounts pertaining to you.

3. File reports with the police in the city and/or cities where the identity theft occurred.
 
 

Elisha Hoffman Abrams provides affordable legal representation, advocacy, counsel, information, and outreach to protect the legal rights of her clients in Philadelphia and the surrounding areas.

Client Commitment

Elisha Hoffman Abrams advocates on behalf of her clients in many areas of consumer protection, privacy, credit issues, elder care, employment, discrimination, the American with Disabilities Act, and other legal problems which her clients face. She also provides complete notary services. It is the objective of Elisha Hoffman Abrams to foster and maintain close and honest relationships with her clients, and she is committed to keeping her clients legally informed.

  
Further Services

If you’re looking for further information about the services of Elisha Hoffman Abrams, or if you desire to set up a consultation, please give her a call.