Original post written by Assured Neace Lukens and shared with permission.
Identity theft is becoming more common in today's digital world. If your personal information is stolen, thieves only take a few minutes to cause costly damage that will take weeks, months and maybe even years to repair. It is a frightening reality we have to face. If you discover that you are the last victim of identity theft, here are the first five steps you should take:
Step 1: Call the companies where you know the fraud occurred. Ask them to close or freeze your account. Change logins, passwords and PINs for your accounts
Step 2 :. Place a fraud alert with one of the three credit bureaus and review your credit report, taking note of all the transactions you don 't recognize. (. The credit bureau you contact for fraud alert must say that the other two)
- Equifax: http://www.equifax.com/CreditReportAssistance/ or 1-888-766 -0008
- Experian: 1-888-397-3742 or http://www.experian.com/fraudalert
- TransUnion: 1 or http://www.transunion.com/fraud -7289 -800 to 680
- free credit report: www.annualcreditreport.com or 1-877-322-8228
Step 3: flight Report identity in the Federal Trade Commission via the online complaint form or by calling 1-877-438-4338. Make sure to print and save your affidavit immediately that you will not be able to get to it once you leave the page
Step 4 :. file a report with your local police department.
Step 5 :. Contact your insurance agent to see if you have identity theft coverage
you can limit the damage caused by identity theft by acting quickly. In our next blog identity theft, we will discuss what to do after contacting your agent about coverage. To alleviate the stress and financial burden associated with a stolen identity, consider buying insurance against personal identity theft.
For more information on identity theft coverage, contact your local independent insurance agent today.
Source: Federal Trade Commission
- See more: http://www.neacelukens.com/blog
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