Shopping with toddlers is always an adventure. After one outing, I received a phone call from the last store we visited. They had found my purse in a shopping cart, but were sorry to report there was no wallet inside.

I told them I’d found my wallet in the bag with my purchases, so all I was missing was the purse. My story had a happy ending and didn’t require credit restoration. My teenage daughter wasn’t so lucky when she lost her wallet while trying on clothes in a store’s dressing room; she never saw it again. Losing a purse or wallet is one of the easiest ways for someone to steal your identity.

Mail is full of requests to open new credit card accounts. These are usually thrown into the trash, often unopened. If bank statements are also thrown in the trash, it would be a simple matter for someone to use your bank information to open a credit card in your name or to access your bank accounts. This kind of damage would require serious credit restoration.

A co-worker received a phone call, supposedly from her bank, notifying her that someone had found her debit card and turned it in. In order to verify, they wanted her account number, pin number, and other personal information. By the time they hung up, they had all they needed to access her bank accounts, which they did within a few minutes. This event required serious credit restoration.

Occasionally I have received suspicious emails. One said I’d won the bid on a watch which they would send to me as soon as I made payment. Since I’d never bid on a watch, I contacted the company the email was supposed to have come from.

I learned that if I would have followed the link in the email, it would have taken me to a fraudulent web-page where they would have gained access to my personal information. I found out you should always check the web address to make sure any links you follow really take you where you think you are going. I was grateful my actions didn’t require credit restoration.

Another suspicious email, supposedly from a well known bank, requested personal information in order to verify my account information. I knew right off that this email was a fraud. I didn’t even have an account with that bank!

Identity protection is very important. Identity theft is the most common crime in America. By taking steps to protect ourselves now, we can avoid credit restoration later.

Nitro Credit specializes in credit repair, credit help, increasing your credit score, and credit restoration. We ensure you have a clean slate and the confidence of good credit.