Most people are aware of some of the steps that can be taken to try and prevent identify theft. But what should you do if you become a victim anyway? Find out here.
There is no doubt about it, identity theft is a problem, and it’s becoming an even bigger problem as the internet becomes a bigger part of our daily lives.
A previous post on how to prevent identity theft can help you with some of the steps you should take to reduce your chances of becoming a victim. However, sometimes you can do everything right, and still become a victim. This is the identity theft help you need so you can start resolving the problems you will face as quickly and easily as possible.
1Contact the Police
This is an important step to take for two reasons. Naturally, it starts a legal investigation to find the person who stole your identity.
It also plays an important role in helping you to recover from identity theft because it officially documents the crime.
Unfortunately, there are many people who claim to be the victim of identity theft in an attempt to avoid paying for items they actually purchased.
Filing a police report is a big step in convincing the companies you will talk to that you truly are a victim. Filing a police report gives you identity theft help by documenting that a crime has been committed.
2Contact All Your Creditors and Banks
The second identity theft help tip is to contact all of your financial related companies as soon as possible. The sooner you report the problem to them, the sooner you will be protected from being responsible for additional charges made to your accounts.
You should speak to someone in the fraud department of each company and document the details of the conversation. Following the conversation, send them a letter detailing what was discussed and send it to them via certified mail to you can confirm they received it.
If there are specific charges that you want to dispute, work with the representative in the fraud department regarding their procedures for this.
It is important enough to repeat this – document every conversation for your records and send a follow up letter (via certified mail) detailing the details of the conversation.
Contacting your creditors and banks gives you identity theft help by stopping future charges and beginning the process of disputing charges that may have already been made.
3Close Accounts That Have Been Tampered With
Closing the accounts that have been used is the best way to protect yourself against future problems and charges. However, keep in mind that you will no longer be able to use these accounts either. You will need to open new accounts and update any automatic payments that may have been set up with the closed accounts.