What to Do If You’re the Victim of Identity Theft
With the increased crime rate many people have their identities stolen yearly. 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. Once you have realized you are a victim of online fraud or credit fraud as a result of your identity being stolen, freezing your credit will be beneficial, view here!. The main importance of making the wise move is that it will keep all that information away, enabling prevention of agencies from providing your credit report to other creditors. In the freezing process you will be asked to create a pin that will be used to later lift the freeze so make sure you keep a record of all that information to avoid confusion and delays in the future. The most important tip here is to place a fraud alert and also freeze your credit to protect yourself much more.
Suppose you fall prey to identity theft it is will be wise to report the case to the federal trade commission and your lawyer. Contact the federal trade commission online or via phone and let them your identity has been stolen, check this site. The federal trade commission will do a great job at proving your identity has been stolen and provide a helpful recovery plan. It will be wise to keep a copy of the proof and plan as you talk to the police, creditors, and banks. 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. Ultimately, this is what you should do when you fall victim to identity theft.