What to Do if Your Identity is Stolen
What to do if identity theft happens? This is a very popular question, which many people ask through the web once they confront with such a serious problem. If you search for an effective solution, you should read this article. With its help, you will get a detailed guidance on what to do if someone stole your identity.
Identity theft has many forms
As you may know, identity theft has several major forms. You may confront with fraudulent withdrawals from a bank account, credit card fraud, fraudulent use of medical care, fraudulent use of telephone calling cards, social security fraud (tax and employment fraud), fraudulent use of an IP address in order to engage in illegal acts online, false applications for new credits etc. If you are sure or only suspect that your identity is compromised, please follow the steps below to protect yourself and minimize the actual damage this problem may cause.
1. Report a Theft Immediately
Immediately report the affected institution directly. For example, if you think that identity thief has stolen your online-store account, instantly make a call to authorities of this shop and ask them to block your account temporary. They will do everything they can to protect you from money loses and give an advice on which steps to take if identity is stolen.
2. Set Fraud Alert. Check Reports
You should put a fraud alert on all your credit activities and reports. If you do not know how to do that, simply send an inquiry to one of the main credit agencies in America: Experian, TransUnion or Equifax. They will definitely help you handle this issue and provide with following instructions. Moreover, you should ask and get a detailed credit report from these agencies. It will help you determine and investigate where a thief has applied for a credit in your name.
3. Inform Federal Trade Commission
Write a complaint to the Federal Trade Commission (FTC). You can do that by filling online form, calling by phone or sending an email. Please do not forget to indicate the type of fraudulence. It will help FTC professionals assist you and tell what to do if your identity is stolen.
4. Report to the Police
Inform a local police office. If you suspect that your identity might have been stolen inform your local law enforcement office and obtain a copy of their report. Together with FTC Identity Theft Affidavit it will complete your Identity Theft Report, which can be used to work with different credit agencies or companies that identity thieves may use to get credits or buy stuff in your name.
Hopefully, you will never ask google a question “What to do if my identity is stolen?”. In case if it happens, please immediately take all appropriate actions to minimize the effect of such fraudulence.