How To Know If Identity Was Stolen – There are many ways your identity can be stolen. Taxpayer and payroll identity theft, financial identity theft, medical identity theft, child identity theft, driver’s license identity theft and, of course, criminal identity theft. When you discover that your identity has been stolen, it’s natural to panic, but it’s important to think clearly and start solving the problem right away.
A fraud alert alerts your credit report and alerts all lenders and creditors that they should take further steps to check your creditworthiness. To raise a red flag, you need to contact one of the credit reporting agencies, such as Experian, Equifax, or TransUnion. If you contact one agency, they will automatically contact the others. Once a fraud alert is activated, you will receive a free copy of your credit report from each agency. You’ll need to prove any fraudulent charges and file a credit line dispute.
How To Know If Identity Was Stolen
You also have the option of placing a security freeze on each of your credit reports. A freeze prevents creditors from accessing your credit report. All new applications will be rejected without access to the file.
Identity Theft Protection: Protect Your Good Name
If you know that your identity has been stolen, you must contact your bank and any other institution directly concerned. This includes all credit card issuers with which you have an account.
You will need to file a formal police report. You will need a copy of the police report and the report number.
You will then need to contact the Federal Trade Commission (FTC). There you will need to file an identity theft affidavit. For this you will need information from the official police report. The FTC will help you what to do depending on the type of fraud.
If your Social Security number has been leaked, you will need to contact the Social Security Administration (SSA) and the Internal Revenue Service (IRS). It’s important to contact both the SSA and the IRS because whoever stole your identity could potentially be waiting for a tax refund or getting a job or health care in your name.
How To Prevent And Detect Child Identity Theft
You will also need to contact the Postal Inspection Service to check if there is a request for a change of address. This ensures that whoever stole your identity won’t also steal your mail.
As soon as you become aware that someone has access to your personal information, you must change all login information, passwords and PINs to prevent them from continuing to access your personal accounts.
If new accounts have been opened in your name, don’t forget to close them. A report of identity theft that you file with the FTC will allow you to close any binding contracts that were open. Ask the company to close the account and keep all papers and evidence that the account has been closed and that you are not responsible for it. Any fraudulent charges must also be removed from your account. Call each company and explain that someone has stolen your identity and explain which charges are fraudulent.
Contact each credit reporting company with a copy of your identity theft report as well as your driver’s license or ID. Explain what you need removed from your credit report and the credit companies will block it.
What To Do If Your Identity Is Stolen
If you ever think that there is a possibility that your personal information has been hacked or stolen, you should act as soon as possible.
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