id1Step 1. Notify each of the three major credit reporting agencies (Equifax, Experian and TransUnion) of the identity theft and request that a credit freeze be put on your account so that no one can access your credit report without your authorization even if they have your Social Security number or other personal information. (Go to www.scamicide.com for directions as to how to accomplish this.)

Step 2. Report the crime to the appropriate law enforcement authorities where you live and where the fraud Plano Loan Ratesoccurred. Use the FTC’s ID Theft Affidavit, which can be found on the FTC’s website www.ftc.gov.

Step 3. Inform all your creditors that you have become a victim of identity theft.

Step 4. Get new credit cards with new account numbers for all tainted accounts.

Step 5. Set up complex passwords for each of your new accounts.

Step 6. Change your PINs.

Step 7. When you closed tainted accounts, make sure that the accounts are reported to the credit-reporting agencies as being closed at the customer’s request due to identity theft to avoid lowering of your credit score.

Step 8. Ask your creditors to notify each of the credit-reporting agencies to remove erroneous and fraudulent information from your file.

id5Step 9. Contact the creditors who have tainted accounts in your name and request that they initiate a fraud investigation. Get a copy of the completed investigation.

Step 10. Send copies of those completed investigations to each of the credit-reporting agencies and request that erroneous and fraudulent information be removed from your files.

Step 11. If fraudulent charges do appear on your credit report, notify the credit-reporting agencies in writing and tell them that you dispute the information and request that such information be removed from your files.

Resources

Criminal Identity Theft: What to Doid6

Identity Theft: What to Do if It Happens to You

Five Steps to Take Immediately If You’re the Victim of Identity Theft

5 Things to Do Immediately If Your Identity Is Stolen

Can You Do Anything to Prevent Identity Theft?

Guide for Assisting Identity Theft Victims

 

Excerpted from WGGB-TV TV Station.

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