What To Do
Visit the Federal Trade Commission’s Identity Theft Recovery page for more information.
- Call the fraud department at the banks and lenders with the affected accounts.
- Call the credit reporting agencies (Equifax, TransUnion, Experian) to place a fraud alert on your credit report. Request copies of your reports and dispute the errors.
- A fraud alert adds a note to your credit report that requires a business to contact you before granting credit, to verify you requested it. The fraud alert stays on your report for 90 days, and you can renew it.
- File a report with the Federal Trade Commission (FTC) and your local law enforcement.
- Close all new, fraudulent accounts.
- Keep watching your accounts to make sure illegal charges are removed.
- Remove the fraudulent information from your credit report.
- Think about extending the fraud alert or asking for a credit freeze.
- A credit freeze with a credit reporting agency stops others from applying for credit in your name.