10 Minute Office Tidy Tip 79: What To Do If You Experience Identity Theft

by shannon on June 17, 2013

I truly hope that you never experience identity theft. It happens more often than you might realize. Here is a list of recommendations of what to do immediately:

  • Close compromised accounts. Phone the financial institution and speak with someone in the fraud division. Maintain a log recording each company, date and time of call, name and title of the person you speak with, and the actions agreed to.
  • File a report with your local police. Many banks, credit card companies, and credit reporting agencies will request a copy of a police report to verify your account.
  • Phone all three national credit-reporting agencies (Experian, Equifax and Trans Union.) Ask that each of them place a fraud alert on your account.
  • If checks have been stolen, notify your bank and issue “stop payment” requests on all missing or outstanding checks.

Most importantly, keep good records of any correspondence relating to your identity theft case so that it can be resolved as quickly as possible. Keep these records for at least seven years after you have resolved your case just to be sure that you never have credit discrepancies again.

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