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Identity Theft

If you are a Victim of Identity Theft:

Report the incident to the police immediately and request the case number and a copy of the police report. Report all stolen cards to the issuers immediately. Notify your bank if checks were stolen and close account. Be prepared to fill out affidavits of forgery to establish your innocence. Contact TransUnion and place a fraud alert on your credit file. Phone: 800.680.7289

Change all your passwords for all your online accounts. Use strong passwords utilizing symbols, numbers, uppercase and lowercase letters. Remember, longer passwords that utilize these elements are more difficult to guess.
  1. Contact your bank or other financial institution to discuss temporarily freezing your accounts. This will stop any further financial loss.
  2. Immediately identify and close any unauthorized or compromised credit or charge accounts. Yes, this step is painful, but trustworthy financial firms should have you back to normal in 24 hours or so by getting you new cards with new account numbers.
  3. Go online regularly and look for any unauthorized transactions. Report them immediately.
  4. Contact the Social Security Administration if your SSN has been compromised. Contact your state’s Department of Motor Vehicles if your driver’s license or car registration is stolen.
  5. Determine if any other PII (Personally Identifiable Information) is at risk. You may need to contact several organizations with whom you do business in order to further protect it.
  6. Don’t forget to file a report with your local law enforcement agency. This helps measure the problem and shows that you have given your best effort to banks, creditors, credit bureaus, debt collectors and other businesses.
  7. If your personal information has been stolen through a corporate data breach, you will likely be contacted by the business whose data was compromised. You will generally be offered free credit monitoring or identity protection service for a year.
  8. Contact one or all of the three credit bureaus to report the incident (Equifax at 1-800-525-6285, Experian at 1-888-397-3742, or TransUnion at 1-800-680-7289). Have them place a fraud alert on your credit report to prevent any further fraudulent activity.

For additional information visit the following credit reporting agencies:

TransUnion: 800.680.7289 www.transunion.com
Equifax: 800.525.6285 www.equifax.com
Experian: 888.397.3742 www.experian.com

Additionally, you may want to consider ID Theft Insurance. There are a number of companies who offer this service.

You can find out more about Identity Theft at the site below:

http://www.consumer.ftc.gov/features/feature-0014-identity-theft