Discovering that your identity has been stolen can feel overwhelming, but taking quick, organized steps can help you regain control.
1. Contact Your Banks and Credit Card Companies
Immediately report fraudulent charges or accounts. Ask for new cards and account numbers, and set up alerts for unusual activity.
2. Place a Fraud Alert and Credit Freeze
Reach out to one of the three credit bureaus (Experian, Equifax, or TransUnion) to put a fraud alert on your credit file. Consider a credit freeze to prevent new accounts from being opened in your name.
3. Report the Theft
File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov and, if necessary, with your local police department. These reports can help you dispute fraudulent charges.
4. Monitor Your Accounts Closely
Check bank, credit card, and investment accounts regularly. Set up two-factor authentication wherever possible to add extra protection.
5. Keep Records
Document all calls, letters, and reports you file. Having a clear paper trail can make recovery easier if disputes arise later.
Identity theft cleanup can take time, but acting quickly and staying organized makes a big difference. Remember—you’re not alone, and resources are available to help you every step of the way.
Stay alert. Stay proactive. Stay protected.
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