Identity Theft Victims

Steps To Take Once You Find Out You are An Identity Theft Victim

Here is a list of immediate steps that you can take to stop this thievery and start to fix your bad credit?

1 Check your credit reports from the three bureaus on a regular basis. Also ask that an alert be placed on your file.

2 Call the three bureaus and ask to speak to the fraud department. Experian 888-397-3742, Equifax 800-525-6285 and TransUnion 800-680-7289.

3 Check your bank account and credit card account statements carefully every month for any wrong use.

4 Keep careful records of each credit charge you make. Write each charge down and keep with your credit card.

5 As a victim, report to the police immediately and get a police statement.

6 These copies must be sent to your credit bureaus. Asking them to attach this police report to you credit reports. Do the same to any other account that you have.

7 Close all accounts and re-open new ones. With credit cards make sure that the account is closed, and ask if any others have been opened in your name.

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In using your cards and accounts these people are posing as you. It is essential that you be alerted each time that a lender tries to see your file. This also may be an alert that the identity thieves are trying to open a new account, and this will foil their efforts.

Most alerts that you place on your file will last 90-180 days, If you want you can ask your credit agent to extend this for a period of several years by putting this request in writing.

Did you know that by taking these kind of actions, and you have proving who you are, that you will not be held responsible for the charges that have been made in your name? This is very helpful, especially if you have ended up deeply in debt. Learn more about what you need to do here
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By keeping good records and being persistent in your effort to prove that fraud has been committed against you, you will be well on your way to fixing your bad credit report and score.