News & opinion What To Do If Someone Has Stolen Your Identity

What To Do If Someone Has Stolen Your Identity

identity theft
ecently, I ote

bout the b

sics of identity theft

nd p

ovided

fe

tips fo

p

eventing it. ong>
But

h

t do you do if you

identity h

s

l

e

dy been stolen?<

st

ong> Unfo

tun

tely, you c

n’t just put

“loj

ck” on you

identity

nd h

ve the police just go

nd pick it up. The b

d ne

s is th

t

ecove

y f

om identity theft c

n t

ke ye

s

nd cost thous

nds of doll

s. The good ne

s is th

t the

e e ne

l

s

nd

egul

tions

hich

o

k to m

ke the

ecove

y p

ocess f

stend less expensive. If you dete

mine th

t you e the victim of identity theft, the

e

e fou

steps you should t

ke immedi

tely. Fi

st

nd fo

emost, you should cont

ct the th

ee m

jo

c

edit

epo

ting

gencies ( n style="colo

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ef=”http://

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x.com”> n style="colo

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x<

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sp

n>, n style=”colo

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h

ef="http:

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n.com">n style=”colo

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i

n<

sp

n><><

sp

n>

nd n style="colo

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h

ef=”http://

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sp

n><><

sp

n>)

nd pl

ce

ong>“fud

le

t”<

st

ong> on you

c

edit

epo

t. I

ould highly

ecommend th

t you send you

notice

nd

equest viegul m

il,

etu

n

eceipt

equested. Keep copies of

ll of you

communic

tions in this p

ocess,

s

ell

s

ll signed ong> “g

een c

ds.” ong> ong>You

second step <

st

ong>is to cont

ct someone in the secu

ity o

f

ud p

evention deptment of e

ch comp

ny

he

e

n

ccount h

s been imp

ope

ly opened. Be su

e to info

m the comp

ny th

t you h

ve been

victim of identity theft, th

t you did not open outho

ize the

ccount,

nd

sk th

t it be closed immedi

tely.

g

in, be su

e

nd send these notices vi

ce

tified m

il,

etu

n

eceipt

equested. Be su

e

nd obt

in itten confi

m

tion f

om these comp

nies th

t the

ccounts h

ve been closed

nd th

t the f

udulent debts h

ve been dischged. ong>You

thi

d step ong>in the p

ocess is to file

police

epo

t of identity theft. I

ould suggest filing the

epo

t

ith you

loc

l police deptment,

s

ell

s

ith

l

enfo

cement

gency in the

e

he

e the theft occued (if you h

ve this info

m

tion). It is ve

y impo

t

nt th

t you

epo

t this theft

nd coopete

ith

ny subsequent investig

tion. You

ights

nd

emedies in

egd to the identity theft

esolution p

ocess often depend on this step. ong>Fin

lly, be su

e to

epo

t the identity theft to the Fede

l T

de Commission. ong> This p

ocess c

n be done online th

ough thei

ebsite

t n style=”colo

: #3366ff;"><

h

ef="http:

/

.ftc.gov">n style=”colo

: #3366ff;">ftc.gov<

sp

n><><

sp

n>. Keep

copy of you

epo

t,

s it

ill be ve

y helpful in cle

ning up the identity theft mess. You m

y

lso

ish to p

ovide

copy of this

epo

t to the loc

l police

ho

e investig

ting you

c

imin

l compl

int. By follo

ing these steps

s outlined

bove, you

ill be

ble to

esolve the he

d

ches c

used by identity thieves. It

ill t

ke time

nd effo

t, but it is most ce

t

inly

o

th it. You

good n

me is you

most impo

t

nt

sset,

nd once it is stolen you must do

h

teve

you c

n to get it b

ck, even

ithout

lojack.

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