What Should I Do if I Think My Identity Has Been Stolen?
If you become a victim of identity theft, or even suspect that you might be a victim, take immediate action.
1. Contact one of the credit reporting agencies' fraud alert departments and place a fraud alert on your credit report. This prevents identity thieves from opening accounts in your name. Many credit card companies offer no-cost fraud protection where you would not be held financially responsible for charges made to your account by thieves who steal your personal information. In order to receive the most protection possible, though, it is important you call one of the credit reporting agencies as soon as you possibly can, even if you aren’t 100 percent sure your identity has been stolen, but may only think it has.
Tell the agency you think your identity has been stolen. The agency will ask you to verify your identity with your Social Security number, name, address, and possibly other personal information.
One call does it all. The credit reporting agency you contacted must contact the other two. Each agency will place a fraud alert on their version of your credit report. For the next 90 days, your creditors and other businesses that want to offer you credits will see the alert on your credit report. If anyone asks for credit in your name, the appropriate lender will contact you to verify your identity and find out if you asked for credit.