What To Do and Not To Do
If You Are a Victim of Identity Theft
theft victims are those people that have had their personal
information (or identity) stolen and the criminal run up their
bills. If you are victim of Identity Theft, you are well aware how
difficult it can be to get back on your feet again. Identity Theft
victims often have to go through a series of steps to repair their
credit and identity.
the victim has made contact with the three credit bureaus they
often put a Fraud Alert on your credit report, which is supposed
to be a protection for you, but the truth is it is a ‘mistake’
since it labels the victim. If you go to apply for a loan or
credit card, it is likely you will receive a rejection in the
is there a solution for Identity Theft victims and how can they
repair the credit? First, it is important to avoid Identity Theft
by protecting your Social Security Card, Driver License and other
important information about yourself. However, if you are already
in the credit bureaus labeled under the Fraud Alert, then you may
find yourself giving up. Identities are stolen in several ways.
The Internet is swarming with predators waiting to mess up someone
else’s life. People may stand over your shoulder peeking down at
you while you are keying in your PIN number at the bank. You might
have been in a relationship and the person decides he/she owns you
and when you break up that person takes your identity. There are
several ways that your Identity can be stolen. The solution is
then protecting your identity with shields that no one can break
through. For a list of ways to prevent Identity Theft, visit my
article "How to Protect Yourself from Identity Theft and PC
you are a victim of Identity Theft, then your identity needs to be
protected more so than ever. This sounds crazy since someone
already has your ID, but it will only hurt you further if you do
not. You will need to stay alert to the activities that affect
your credit report. It is important that you keep updated copies
of your reports at all times. If you notice activity, immediately
dispute the claims against you. Be sure to file a police report
since you will need these reports to show the three bureaus and
others that your identity has been stolen. Once you receive the
police reports, make sure to send copies to each credit bureau so
that the bureaus can get you on record. All three bureau names,
addresses and phone numbers are available here.
The credit bureaus are going to put up a Fraud Alert once the
copies are evaluated. Here is where you need to stay alert.
Instead of Fraud Alerts, you can request the bureaus put up a
FREEZE on your accounts. A Freeze gives you the options that Fraud
Alerts will not. For example, if you go to a bank and apply for a
loan with a Fraud Alert on your accounts, most likely you will be
turned down. However, if the banks see that you have a FREEZE on
your accounts, they will investigate and possibly give you the
loan. Freeze means that someone has affected your life by stealing
your identity; while Fraud means that someone has committed a
criminal act on your account, and that someone could very well be
will also need to report any checks that you suspect were stolen.
Monitor your banking account at all times to make sure that no out
of place activities are going on. It is important that you alert
your utility providers and anyone that you have open accounts
with. If you have, credit cards report them immediately to get
replacements. You may even want to cancel your current bank
account and open a new account. This will offer a source of
protection. It is also important that you contact your Social
Security Office to find out if your Social Security has been used
out of place. If actions have been listed on your card, be sure to
let the Social Security Administrators know.
others aware of what is going on in your life, can spare you
additional headaches. You are already a victim of criminal
behaviors, why not take the steps to repair your credit and
restore your life. Finally, you will need to contact Washington
D.C. or the Identity Theft Clearinghouse, Federal Trade
Commissions and let them know you are a victim of Identity Theft.
Identity theft affects nearly 10 million Americans every year.
Protect yourself Now!
Paper Shredders at Amazon.com
Trusted ID Total ID Protection and Credit Monitoring. 14-day free trial and free credit score. Try now.