No one wakes up in the morning hoping to deal with a stolen identity. But it can happen to anyone and could mean personal details like your Social Security number or bank account are being used to do anything from going on shopping sprees to filing a tax return in your name.
Getting everything back to the way it was can feel like a mountain to climb over the next several months. How do you even begin to put things straight?
But you can get out of this mess and get back in control of your personal information.
Here’s what you need to do:
1. Ask for a fraud alert to be placed on your credit account.
If you discover you’ve been a victim of identity theft, contact one of the three main credit bureaus (Experian, Equifax and TransUnion) and have them place a fraud alert on your information. Once you’ve contacted one agency, they’ll let the other two know.
Having a fraud alert in place is helpful if you were involved in a data breach or had your Social Security card, driver’s license or bank account information stolen. If someone tries to apply for a loan or new credit card with your info, the credit bureau lets creditors know an extra security check needs to happen to confirm the applicant’s identity. Read More