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Video instructions and help with filling out and completing Ftc identity theft
Instructions and Help about Ftc identity theft
If your identities been stolen the first thing you should do is file a police report and then the next thing is you should go to the FTC's website and fill out the form under identity theft it's laid out very nicely and you can fill out an affidavit swearing to this has happened to me and create an identity theft package once those things are done then you need to call the credit bureaus and you want to put a fraud alert on your credit the fraud alert is going to last for 90 days but it's a good idea to have that immediately done because you want to put a stop to any other transactions being taking place under your identity the next thing you need to do is contact each trade line who's been affected and make sure they are aware that this has happened you want to call your credit card companies let them know that this has happened to you and to be on the lookout for it they may even suggest getting a new credit card they may issue you new cards if it's in regards to your checking account your bank may close that account for you and open up a new account with a new routing number all of those types of things if there's an account that is yours and there's been some activity on it you'll want to go through the dispute process about that so there are several things that you need to do but the important thing is you have to be organized you have to start making a list of all the things that have happened keeping a file getting contact names all of the companies that are saying you owe them money that you really don't you have to keep in touch with them find out who you talk to write their name down get their phone number what's the next step what are you going to do on your end what do I need to do do they need copies of your police report do many copies of your ID theft affidavit you have to get all of that information laid out and be very organized because it's going to take some time you cannot resolve this overnight it will take some time you'll get to a point where you think everything's been done and I'm done with it but then something else could come up four months down the road that you have to address so it may take some time but it being persistent and being committed and being organized is key if your identity it's been stolen it could take anywhere from either one month to one year resolve the issues.