March 17th, 2016 | Identity Theft
When you are a victim of identity theft, you need to take action immediately to begin to repair the damage. It’s not fair
that this has been thrust upon you, but it’s necessary to work diligently to clear your records of all of the thief’s activity.
As you take the following actions, keep a detailed record of all conversations and correspondence relating to the problem.
Keep this information for years to come, even after you think the problem has been resolved.
Step 1. Call the fraud department of the companies where you know fraud occurred. Ask them to close or freeze the
accounts and change logins, passwords and PINS for your accounts.
Step 2. Place a fraud alert on the three major credit bureaus:
Step 3. Get your free credit report(s) right away. Go to annualcreditreport.com or call 1-877-322-8228. Review your reports and
look for accounts or transaction you don’t recognize.
Step 4. Report Identity theft to the FTC. Complete the FTC’s online complaint form at ftc.gov/complaint or call 1-877-438-4338.
The FTC complaint system will create a Identity Theft Affidavit that will be needed for other steps. Print and save the Identity Theft Affidavit immediately as once you leave the page, you won’t be able to get your affidavit.
Step 5. File a report with the local police department. Present the local police with a copy of your FTC Identity Theft Affidavit, a government issued ID with a photo, proof of address (utilitiy bill, mortgage statement, rental agreement) and proof of ID theft
(bills, IRS notices, credit report). Ask for a copy of the police report. Having the police report with the FTC Identity Theft Affidavit
proves to businesses that someone stole your identity.
Step 6. Check out our The Learning Center page, Credit Reports and You at http://www.1stophomeloans.com/credit-reports-and-you.
Visit www.identityTheft.gov for additional information and assistance.