Today identity theft occurs more than you are probably aware of, which means that there is a chance that someday you will be the victim of identity theft. If you ever are a victim, it is important that you know what to do. It is important that you take immediate action if you ever think that you are a victim of identity theft. So, if you are wondering what to do when a victim of identity theft, the following are five steps that you should follow.
Step # 1 – Contact the Fraud Department of Each Major Credit Bureau – One of the first things that you should do if you think that you may be a victim of identity theft is to contact the fraud department of each major credit bureau. The three major credit bureaus include Experian, Trans Union, and Equifax. You can easily find their information online, including mailing addresses and numbers to call if you are reporting fraud.
Step # 2 – Close Accounts that Have Been Tampered With – Once you have contacted the fraud department of each of the major credit bureaus, then you will need to close the accounts that you think have been tampered with or accounts that you think were opened fraudulently . If the accounts are closed, they 'll no longer be able to be used by someone who has stolen your identity, which will help to keep the problem from getting so big.
Step # 3 – Contact the Police – Contacting the police in your area is important as well. You'll need to file a police report with the police, either in your own community or in the community where you think that the theft happened. Also, when you make the report, make sure that you get a copy of it. This way you can show your creditors and your bank that you are someone who is a victim, not someone who is abusive credit.
Step # 4 – Change Passwords on Accounts – You will also want to change all of the passwords that you have on your accounts. Change the passwords on online accounts and make sure that they are very strong. Also, if you open new accounts, do not use the same passwords for them that you used for other accounts that have had problems.
Step # 5 – Keep Good Records – As you are working to deal with identity theft, it is important that you keep good records. Make sure that you keep copies of everything, including records of phone calls that you make, email messages, any written correspondence, and any other paper work, like statements and police reports.