What to Do If You’re the Victim of Identity Theft
The research proves that millions of innocent citizens have their identities stolen. Identify theft is never an easy situation for anyone. Most importantly, we need to protect proof of identity for many essential parts of adulthood like buying a home, buying a car, and opening a credit card to mention a few. Having that said, suppose you have your identity stolen what will be your options. You don’t have to worry as from the study below you will discover more about identity theft protection and the correct guidelines to follow if you become the prey of identity theft, click here for more.
One of the important guidelines you should follow on realization your identity is stolen is contacting your creditors and bank on the same. Many banks and even creditors will take the necessary protection measures once they know that you as their cardholder have been victimized. Also, by contacting your creditors and bank right away, they will communicate the policies and protection actions they will take, and this way you will know what to anticipate the this info.
Another action you should take upon realizing your identity has been stolen, is to freeze your active credit. In an identity theft situation, credit freezing will be a wise move for many reasons. 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.
Also when you find yourself in an identity theft situation it is important to report 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. A smart move will be to keep the copy of both the items available to you as you go to talk to the police, banks, and creditors. 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. In conclusion, the article explains the essential procedures to take when you suspect your identity has been stolen.
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