Victims of identity theft reported a loss of more than $ 15 billion in 2014. That’s more than the combined losses of theft, vehicle theft and other property theft at the same time you buy fake ID. While it’s not surprising that identity theft can leave you feeling weak, there are things you can do to take control.
Step 1: Order your credit report when you realize that you have been a victim. You must quickly know the errors that appear in your report.
If you find any errors or fraudulent charges, report them immediately to the credit information companies. They will examine these things and transmit the commercial information they have reported. The company has 30 days to respond.
If the company issuing the loan finds an error, it must notify the credit information company to correct your file. If your credit changes due to a commercial investigation, the reporting company will send you a letter to the results.
Step 2: Place a fraud alert to make it harder for an identity thief to open more accounts in your name. Call one of three credit reporting companies nationwide and have them place a preliminary fraud alert on your credit report. They must contact the other two companies about your alert.
Step 3: Consider a Credit Freeze A credit freeze, also known as a security freeze, gives you the maximum control over who has access to your credit. It can prevent a thief from opening new accounts on your behalf because lenders and other lenders will not receive your credit report.
Some things to know: Due to strict laws, you will need to contact each reporting company separately to place a credit freeze. In addition, the credit freeze does not affect your credit score. Finally, the cost depends on where you live. If you are 65 years of age or older, or a victim of identity theft and submit a valid inspection or incident report, a complaint to a law enforcement agency or the Department of Motor Vehicles (DMV), the fee will be removed. You may also need to buy fake ID for emergency use.
Step 4: Report an identity report flight. Identity Report is an excellent weapon. You can use it to obtain fraudulent information removed from your credit report; prevent an enterprise from recovering debts resulting from identity theft or the sale of debts to another company for recovery. You can also use it to place an extended fraud alert on your credit report and to obtain information about accounts that have been opened or misused by the thief’s identity.
Filing an identity theft report is simple: Submit a complaint about the FTC theft. When you have finished writing all the details, print a copy of the report. Print this as an identity affidavit.
File a police report on your identity theft, and get a copy of the police report or report number. (Be sure to bring your affidavit on FTC Identity Theft and attach it to your police report).
Step 5: Report Fraud to Existing Accounts For any of your accounts with fraudulent charges, contact the company immediately. Explain that you are the victim of identity theft. Close the account and follow their reporting process. You can ask if they accept your identity theft report. In addition, write to the business fraud department. By law, they must review your letter, investigate your complaint, and report the results of their investigation.
With a credit card or bank account that remains open, take steps to protect yourself. Change your password and place the word code in the accounts that allow them. Code codes are offered to certain accounts as an additional level of security. You can usually choose your word code. You might consider using something you want to know and not publicly.