Identity theft is becoming more of a reality than ever before. Credit card companies and banks that issue debit cards are now providing Identity Theft Protection as one of their services. Should you become a victim and someone steals your name or social security number here are some steps you can take to keep the situation under control.
The first thing you should do is contact the fraud department of the three major credit bureaus. Equifax has a toll free number (1-800-525-6285). Experian is another credit bureau and they can be reached at 1-888-397-3742. TransUnion is also one of the big three reporting bureaus and they can be reached at 1-800-680-7289. You want them to flag your file with a fraud alert. Also have the credit bureaus contact you in the future whenever a new account is opened and ask them them for copies of your credit reports.
Next, start calling your creditors, a creditor is the company you have credit card with, not the (credit bureau) and speak with the security or fraud department. Then file a report with the police. You can file it with your local police. Finally, report the identity theft to the Federal Trade Commission. The FTC can be...
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