What to Do If You’re the Victim of Identity Theft
The research proves that millions of innocent citizens have their identities stolen. Above all, as adults it is important to protect proof of identity for events like buying a car, house, opening a credit account, and more, view here for more. 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. The good news is that the guide below will talk about identity theft protection and the right steps to take when you fall victim, read more here.
The first essential step is to let your creditors and banks know. Letting the bank and creditors know is essential because almost all creditors and banks will have protection put in place for their cardholders that are victims of identity theft, check this page. On the other hand, your creditor and bank will inform you more about the various liability policies and protections in place when you contact them so you know information about what to expect.
It will be important to also 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. It is recommended to inform the creditors and banks the right way and also freeze the credit because this way you will have better protection than when you do just one.
The other step to take if you find yourself a victim of identity theft is to report it to the federal trade commission and personal lawyer. Ensure you file a detailed report about your identity being stolen to the federal trade commission online or give them a call. The advantage of reporting to the federal trade commission is that they will provide a helpful recovery strategy as well as give you proof someone has indeed stolen your identity. 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. Additionally, contacting a lawyer will be important at this point. 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.
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