Identity Theift

How to protect your identity

Information from Federal Trade Comission

1. Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation — and can take time, money, and patience to resolve.

2. If you take action quickly, you can stop an identity thief from doing more damage. Follow these three steps as soon as possible: 1. Place an Initial Fraud Alert 2. Order Your Credit Reports 3.Create an Identity Theft Report

3. Placing both extended fraud alerts and credit freezes on your credit reports can make it more difficult for an identity thief to open new accounts in your name.

4. Your credit report is full of information about where you live, how you pay your bills, and whether you’ve been sued, or have filed for bankruptcy. The information in your credit report is used to evaluate your applications for credit, insurance, employment, and renting a home, so it’s important that the information is accurate and up-to-date. Check all key information, including your:

  • name
  • address
  • Social Security number
  • employers

5. If you see errors on the report, like accounts you didn’t open or debts you didn’t incur, dispute the errors with the credit reporting companies and the fraud department of each business that reported an error.

6. If the errors result from identity theft and you have an Identity Theft Report, ask the credit reporting companies and business to block the disputed information from appearing on your credit reports. The credit reporting companies must block transactions and accounts if you are an identity theft victim.