Change Account Numbers and Passwords
As soon as you become aware of fraudulent activity, you should change your existing account numbers and the passwords associated with them. If your information has already been compromised, you can never be sure just how much information an identity thief may have about you. By changing these numbers, you can likely ensure that you are the only one who knows your most current account information.
Get Certified as a Victim
There are few companies that will become your advocate in the filing of official documents to resolve identity theft. If you want the additional back-up and support that third-party verification can provide, find a company that will do the research and certify that you are, in fact, a victim of identity theft. By completing the required documents and, with the back-up of an accredited third party, you are not only protecting yourself from future fraudulent incidents, but you are also arming yourself with stronger proof when resolving your identity theft issues.
Request Source Documents
By requesting copies of the original source documents from creditors, account holders or other entities by which you have been affected, you will have a greater chance of proving that you were a victim of identity theft, and therefore, not responsible for the activities that have occurred. Federal law requires a holder of these documents to supply them to you within 30 days of your request. You can use these source documents to dispute information that was reported incorrectly.
Dispute Fraudulent Activities
Using the support documents you have completed, the ID Theft Affidavit and a police report, contact all the affected companies and agencies to notify them of the fraudulent activity . Let these companies know that you are a victim of identity theft, and that you are not responsible for lines of credit, criminal activity, or additional fraud committed under your name. You must be persistent in notifying these agencies and getting any information removed that is incorrect.
For more steps to take in resolving your identity theft visit the following sections: