One of the fastest growing crimes, identity theft affects an estimated 9 million people every year. Identity theft occurs when someone gains possession of your personal information, such as your social security number, and uses it for financial gain.
Place Fraud Alerts
If someone has used your social security number, you need to place fraud alerts on your credit file with each of three national credit bureau reporting agencies: Experian, Equifax and Trans Union.
Close Fraudulent Accounts
Close any accounts that have been breached or were opened fraudulently. This will require obtaining a copy of your credit report. You can get one for free when you place fraud alerts on your file.
File Fraud Report with FTC
File a complaint with the Federal Trade Commission. This report will help law enforcement track identity thieves and provide back up for the police report. You can also file a report with the Social Security Administration.
File Police Report
File a police report with your local law enforcement officials.
Send Fraud Reports to Creditors
Begin the process of contacting creditors that issued the fraudulent accounts and send them copies of the FTC and police reports that indicate you have been a victim of fraud.
0 comments:
Post a Comment