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A loan is borrowed money which must be repaid in one or more payments. Lenders charge interest on the amount you borrow. This means that you pay back more than you receive. This is how a lender covers the cost of doing business and makes profit. The higher the interest rate, the more you must repay. You should know that the lower the monthly payment, the longer it will take you to repay the loan and the more you will pay to borrow the same amount at the same interest rate.
See the attached guides in English and Spanish for more information.
In October 2011, Idaho Legal Aid Services (ILAS) was awarded funds to form the Idaho Coalition Against Identity Theft (ICAIT) to serve Idaho identity theft victims. The Maryland Crime Victims' Resource Center awarded ILAS funds from the U.S.
Identity theft is a crime in which an impostor uses the name, social security number, and/or other identifying information of a victim to open credit accounts, use existing credit accounts, provide the victim's name to police during an arrest, or gain other benefits such a medical service, employment, or government benefits by using the victim's identity.
Some Resources for Victims:
ICAIT Website: https://sites.google.com/a/idaholegalaid.org/idaho-coalition-against-identity-theft/
Facebook: http://www.facebook.com/idahocoalitionagainstidtheft
Financial:
Using another’s information/identity in order to obtain credit, goods, or services.
Criminal:
Using another’s information/identity when apprehended for a crime;i.e.,a person stopped by law enforcement supplies another person’s name.
Governmental:
Supplying another’s information to a government agency;e.g.,giving another person’s information to the IRS.
Medical:
Receiving medical care or drugs using another person’s information or identity.
Idaho Coalition Against Identity Theft seeks to provide a coordinated community response to better assist victims of identity theft in our state.
WHAT VICTIMS CAN DO
Place a Fraud Alert on your credit reports by contacting one of the credit reporting agencies (“CRA’s”) listed on the back of this brochure. Request your free credit reports.
The immediate steps a victim should take to limit the damage caused by an identity thief.
What is Identity Theft?
Identity Theft is the largest consumer complaint filed with the Federal Trade Commission (FTC) annually. If you have been the victim of identity theft, it could mean someone has used your name to:
What is Identity Theft?
Identity Theft is the largest consumer complaint filed with the Federal Trade Commission (FTC) annually. If you have been the victim of identity theft, it could mean someone has used your name to:
make purchases
get credit cards
rent an apartment or
obtain utilities without your permission
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