Loading ...

– My Most Valuable Advice

Guidelines to Follow When Are the Victim of Identity Theft

The research proves that millions of innocent citizens have their identities stolen. Identify theft is never an easy situation for anyone. Beyond everything we need our proof of identity to protect for most important section of our adult life like purchasing a home, buying a car, and opening a credit account among many other. When push comes to shove and you become the victim of identity theft what guidelines will you follow. Luckily, the discussion below will expand on identity theft protection and the right thing to do when you have been a victim of identity theft, discover more.

Once you suspect or have realized your identity is stolen, it will be wise to let your creditors and bank know; learn more. Contacting your creditors and banks is crucial following that most of the bankers and creditors are going to have protections for their cardholders that are a victim of identity theft. Upon contacting your creditors and bank, they will be able to talk to you about the policies and protections measures they will take so you know what to expect.

If you suspect your identity is stolen, you should freeze your active credit. The moment you realize you are in an identity theft situation and have fallen victim to online fraud or credit fraud the best move is to freeze your credit. It helps lock all that information away which will prevent agencies from giving your credit report to other creditors. You will be requested to come up with a new pin that will be needed when it comes to lifting the freeze later so make sure you keep track of all the information to avoid delays in the future. It is recommended to inform the creditors and banks the right way and also freeze the credit because this way you will have better protection than when you do just one.

The other step to take if you find yourself a victim of identity theft is to report it to the federal trade commission and personal lawyer. Contact the federal trade commission online or via phone and let them your identity has been stolen, check this site. The advantage of reporting to the federal trade commission is that they will provide a helpful recovery strategy as well as give you proof someone has indeed stolen your identity. A good idea will be to ensure you keep a copy of both the items as you inform the police, banks, and creditors. In such a situation of course it will be good if you talk to your lawyer. Ensure that the lawyer you are seeking help from has great credibility. To close, these are crucial steps you should take once you realize your identity has been stolen.