If it Happens to You - What Do You Do When Your Identity is Stolen

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You will never know when your identity is stolen unless you get a phone call from a creditor or a range branch that you owe hundreds of thousands of dollars for purchases that you never did. Or perhaps, you can even have a visit from the police before you perceive that your identity has been stolen. What do you then?

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Identity theft has become very rampant and extensive. More and more habitancy are falling victims to this identity theft because it is roughly a very silent crime. The victim does not perceive that he or she is a victim unless the above mentioned situations happen. If in case it happens to you, here are the things that you should do:

Once you perceive that you've been a victim of identity theft, you should immediately call the police and article the crime. You need to get a copy of the police article or case whole since most prestige card associates require that this be presented in order to warrant that indeed, a crime has occurred and that the purchases or charges that were made in your prestige card are not yours.

After reporting the crime to the police, you need to taste your local prestige card company. Ask for a replacement cards and get new list numbers. You have to close your account, of procedure before you can do this. Make sure that your old list would reflect "closed at consumer's request" for prestige purposes. It's also a best institution that you summarize in a letter your request to supervene up your phone conversation.

If the thief has opened any accounts under your name, then you need to close all these accounts as well. If you open any new accounts, ask that they be password protected. Just like any other password, use passwords that are easy to recall but not very obvious. Avoid using your mother's maiden name and the last four digits of your communal security number.

Next step would be to call prestige reporting agencies, specifically their fraud units. You also have to article the identity theft that you experienced. You can request that your accounts will be flagged with 'fraud alerts' which would mean that before any new accounts are opened under your name, you will be informed by the creditor to the whole that you will specify on your report. However, you will not get 'instant credit' from branch stores but this is the surest way to prevent inherent unauthorized accounts.

On your part, you have to log all of the conversations that transpired in the middle of you and the authorities, as well as the financial entities. You also have to keep a duplicate copy of any documentation that you sent to them.

On the other hand, if the identity theft includes your communal security number, you have to tip off the communal security Administration's Office of Inspector General. You also need to taste the Ftc's buyer Response center to file a complaint. While they may not be able to bring criminal cases, they can help victims by giving facts that can help the victims determine the identity theft issue.

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