Guidelines to Follow When Are 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. Beyond everything we need our proof of identity to protect for most important section of our adult life like purchasing a home, buying a car, and opening a credit account among many other. Having that said, suppose you have your identity stolen what will be your options. Luckily, the discussion below will expand on identity theft protection and the right thing to do when you have been a victim of identity theft, discover 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. 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.
If you suspect your identity is stolen, you should freeze your active credit. Once you have realized you are a victim of online fraud or credit fraud as a result of your identity being stolen, freezing your credit will be beneficial, view here!. 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. Whether via a phone call or online, contact the federal trade commission to let them know of your identity being stolen and provide as many details as possible. 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. In conclusion, the article explains the essential procedures to take when you suspect your identity has been stolen.