If you’ve lost personal information or identification, or if it has been stolen from you, taking certain steps quickly can minimize the potential for identity theft. You will want to move fast. To make it easy, follow this 4-step guide:
- Place a fraud alert. Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge.
- Close accounts. Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit when disputing new unauthorized accounts.
- File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
- File a complaint. The FTC maintains a database of identity theft cases that law enforcement agencies use for investigations. Filing a complaint also helps authorities learn more about identity theft so they can better assist you.
Tools and Links
Please note: This security information is provided to you solely for informational purposes as a courtesy to our clients. It is not intended to be nor shall it be deemed to be legal, technology or business advice. If you need business, legal or technology advice, you are encouraged to seek the assistance of a qualified professional in that field.