Identity Theft Questions
We understand getting all the information you need to prevent ID theft is important. That’s why we have provided this page as an information source. Here are some commonly asked questions concerned with ID theft protection.
Q: How do I know if my identity has been stolen and/or abused?
A: The best way to check if your credit has been used by an impostor is to request a credit report. By doing this you will be able to see if anyone has been using your name. If there is any information on the report that does not seem normal take immediate action.
Q: I think someone may have obtained personal information, what should I do?
A: The first thing to do is file a 90-day fraud alert! You can do this by contacting one of the following three bureaus, Equifax, Experian, or TransUnion. Next it is important to check your credit card statements and credit scores. Make sure no one has recently used your credit. By filing a Fraud Alert you will be able to receive free credit reports from all three of the bureaus annually. What if I have evidence of an actual/attempted identity theft? Immediately file a police report and you will be able to extend your 90-day fraud report to 7 years. Remember to report the incident to the Federal Trade Commission. The sooner you take these steps the better, if you wait to long you may be responsible for debt that you did not accumulate.
Q: Should I change my Social Security number if I am victimized?
A: Typically this is a bad step to take. Your Social Security number has been with you for many years and is a reference number to many documents and your credit report. Your old credit reports will be attached to your new credit reports (with the new number) which will look very misleading to creditors. Also to change your Social Security number is a large hassle and can be very time consuming.
Q: How can I prevent ID theft?
A: Unfortunately there is no way to completely eliminate the chances of identity theft. Although, but following the steps we have provided throughout the website you will be able to lessen your chances of becoming a victim.
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