Are you a victim of identity theft? If so, the thief will not do any further damage to your budget as you must act quickly. If your identity is stolen, you need to learn what to do and who to contact.
Credit cards may limit your liability
Regardless of how much shopping thieves are, if you contact the credit card quickly, the liability of about $ 50 may be restricted. This is the same with bank-issued credit cards and debit cards. If they are used illegally and contact the bank within 2 days, your loss will be very low. If you do not report it fast enough (within the first 60 days) the loss limit will be about $ 500 higher. If you wait longer than that, you may have to pay all the amount spent by the thief.
Reporting fraud
To regain your identity, this is necessary first. You need to contact the following agencies.
Credit reporting agency
You need to contact a credit research company such as Equifax, Experian, TransUnion. You need to ask the report to warn you of fraud. Therefore, companies do not issue credits to thieves. You can ask for the first alert, an alert lasting 90 days, or an alert lasting seven years.
After submitting fraud report, you can receive credit report. Please check carefully about what you do not see properly. You need to ensure that fraud does not damage your credit score.
a creditor
Please contact the creditor after contacting the credit bureau. If you find out that you are in use, please cancel your credit card. Then you have to open a new account. Please confirm that closed accounts are labeled "Closed on consumer's request" so as not to damage your credit score.
The police
The next person to contact is the police. Because someone will stop from you, they need to do the crime and submit the police report.
Loan collection agency
For liabilities created by a thief, you can contact the debt collection agency. Please be sure to tell what happened, please contact the creditor who the creditor collection agency got the information.
Social security administration
If someone uses social security numbers, you need to contact the Social Security Administration. It is possible to change your number, but it is quite a hassle.
Check problem submitter / agency
If the check is stolen, you need to contact the bank to close the account immediately. In addition, you need to contact the major check verification company Certegy (1-800-437-5120) and Telecheck (1-800-710-9898).
If you believe that your identity has been stolen, please contact SCAN at 1-800-296-0170. They track bad inspections through the United States. Also, by calling Chex Systems at 1-800-428-9623, you can check whether a checking account opened under your name is opened.
ATM card issuer
If stolen, you need to contact the company that issued the ATM card and cancel it. Once you have a new card, please use your new password.
Telephone / Utility Service Provider / Agency
If you have a landline phone, please contact your telephone company and tell them that you have stolen your identity. Give them a password and instruct them not to change the service without a password. Please do the same thing with your utility and mobile phone service.
post office
Please do not want the thief to change your address to commit more crimes, so let the post office know about the crime. This will help to prevent identity theft
Driver's license
If you believe that the license has been stolen, please contact DMV.
US State Department, Passport Service
If you believe that someone got your passport by your name, please contact the US Department of State Passport Services Office: Washington, DC November 19, 2003 Street 1111-19th Street Passport Section Suite 500 (202) 955-0430.
US Trusty
Please contact the US administrator of your local Justice Department in order to save your credibility from those who may have filed your bankruptcy status.
Inland Revenue Service (IRS)
If tax fraud is confirmed by your identity, please contact IRS (1-877-777-4778).
Attorney general
You can talk with lawyer officers and get rid of the name of someone else's crime committed by your name.
Recovery and protection of your identity
Unfortunately it is difficult to regain your identity, but that is something to do. Please be very careful that it will not happen to you again.
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