We are in an information-based society. We exchange information on a daily basis, pay bills, make purchases, and transact with merchants, banking institutions online. This has caused a new crime to raise Ė Identity Theft.

Using your name, date of birth and social security number, thieves can get a driver's license or credit card account in your name and run up thousands of dollars in fraudulent charges.

It could take up to 12 months before you'll know if you are a victim of identity theft. By the time you find out, the damage done to your credit can prevent you from getting a mortgage, a car loan, and in some cases could even affect your ability to get a job.

There are many ways to guard and protect your credit.  You may start off on the Internet, search for Identity fraud or theft. Also the 3 major credit-reporting agencies could steer you in the right direction (Experian, Equifax, and Trans Union). It is recommended to check for in accurate information at least once a year.

When you are ready to buy or refinance your home you donít want any surprises that may prolong your Dream house.

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