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Credit Awareness/Identity Theft
 

Credit information is used in virtually every aspect of American financial life.

Consumer credit is considered when applying for loans to buy homes and automobiles. Credit checks are required to get utility, telephone and other services. Few landlords will rent apartments or houses without ording a credit report and credit may also affect an employers' hiring and promoting decisions.

 
Credit Awareness and Identity Theft

Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. This crime can take many forms and victims often must spend money and time repairing the damage done to their good name and credit record.

Use the tools below to find out how you can safeguard your credit history and identity.

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OPRA
OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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New Jersey Department of Banking and Insurance