Be aware that 40 million crooks obtained credit card numbers this past year, ¡°Be Suspicious¡±. Also be aware that most identify theft is not reported, especially when it involves family members, so the statistics are off. These statistics show that consumers lost $5 billion last year when in actuality it is closer to $50 billion. There have been an estimated 9.9 million victims in America.

In a recent article in MSN Money their research showed that 32% of people said they had been a victim of identity fraud by a friend or family, and 13% were victimized by a co-worker. Beware! These people know your patterns and habits.

? Contact the fraud departments of the three major credit bureaus, to place a fraud alert on your credit file.

? Close all accounts that have been affected and request copies of fraud-dispute forms and complete and return immediately. Keep copies!

? File a police report in each jurisdiction the theft occurred

? Send copies of the report to your creditors or anyone that requires proof of the crime

? File a complaint with the FTC (800-IDTHEFT or www.consumer.gov/idtheft) and Post Office

? Contact the Identity Theft Resource center at 858-693-7935 or www.idtheftcenter.org

? Request a new driver¡¯s license from the state of motor vehicles and have a fraud report attached to your driving record.

? Notify check-verification firms about any fraudulent checks:

International check service 800-526-5380\rTelecheck 800-927-0755\rCertegy Check Services 800-437-5120

? Call 1-888-CALL-FCC and file a complaint.

? Change your passwords and PIN immediately.

Michelle Dunn has over 17 years experience in credit and debt collection. She is the founder of Never Dunn Publishing, LLC, is a writer, consultant and the Editorial Advisor for Eli Financial Debt Collection Compliance Alert Newsletter. Michelle started M.A.D. Collection Agency and ran is successfully for 7 years. She owns and runs Credit & Collections.com a free online community for credit and business professionals.

She has written 5 books in her Collecting Money Series and is currently writing a book for the Streetwise Series, part of the Adams Media Corporation. For more information on Michelle¡¯s services or to order any of her books please email her at michelle@michelledunn.com or visit http://www.michelledunn.com & http://www.credit-and-collections.com