AFTER A PCS, BEWARE OF IDENTITY THEFT –
When it comes to identity theft, anyone can be a victim. Military members are actually at higher risk mainly because their personal information is accessed more frequently than civilians. And especially after a PCS. For example, each time a military member and their family moves or relocates to a new duty station, they most likely have to create new accounts involving forms and paperwork with sensitive personal information. Know the signs that you are becoming a victim of identity theft so you can make the necessary steps to stop it right away.
Here are some potential warning signs of identity theft after a PCS:
1. Receiving bills for accounts you never opened
2. Unauthorized charges on your credit card
3. Letters of denial from credit companies you never applied to
4. Not receiving your bills or bank statements in the mail.
5. Calls or mail from collection agencies or companies about purchases you never made
6. When using your credit card that is in good standing, you get a denied authorization
One way to avoid credit theft, aside from knowing the warning signs, is to review your credit report at least once a year. The three major credit bureaus are required by law to supply one free credit report to you annually. But, these reports are not automatically sent or emailed. You have to request the free credit report yourself.
To request your credit report, visit the official centralized website of Experian, Equifax, and TransUnion at Federal Trade Commission or call 1-877-322-8228.
To find a home in San Antonio TX, contact Melissa Muse Wiggans, Broker and Owner of Real Estate Muses. She understands military families having grown up in one herself. A certified Military Relocation Specialist she can assist those who PCS to San Antonio. She has experience with VA loans and understands nuances of military moves, BAH calculations and fast timelines. Call 210-485-9913 or visit www.realestatemuses.com.