It starts with what sounds like a promising phone call: For a one-time fee, you can lower the interest rate on your credit card. But the person on the other end of the line isn't with your bank or credit card company — and what that person is really after is your identity.
We obtain a database of names of people who have had their identities stolen through this scam, and inform them about the breach. And we talk to experts and a former fraudster who tell us how you can protect your personal information, including testing whether Equifax and TransUnion are doing enough to protect you.
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