CONSUMER INFO

Immediate Steps To Take

One of the most important keys to ensuring that you recover from identity theft is to take action immediately. We have compiled many helpful tips and guides from around the web to provide you with the tools that you will need.


Create a Fraud Alert

Why?

Three national credit reporting companies keep records of your credit history. If someone has misused your personal or financial information, call 1 of the companies and ask for an initial fraud alert on your credit report. A fraud alert is free. You must provide proof of your identity. The company you call must tell the other companies about your alert.

An initial fraud alert can make it harder for an identity thief to open more accounts in your name. When you have an alert on your report, a business must verify your identity before it issues credit, so it may try to contact you. The initial alert stays on your report for at least 90 days. You can renew it after 90 days. It allows you to order one free copy of your credit report from each of the three credit reporting companies. Be sure the credit reporting companies have your current contact information so they can get in touch with you.

How

  • Report that you are an identity theft victim.
  • Ask the company to put a fraud alert on your credit file.
  • Confirm that the company you call will contact the other 2 companies.
    • Placing a fraud alert is free. The initial fraud alert stays on your credit report for 90 days.
    • Be sure the credit reporting companies have your current contact information so they can get in touch with you.

The credit reporting company will explain that you can get a free credit report, and other rights you have.

The initial fraud alert stays on your report for 90 days. You can renew it after 90 days.

  • Record the dates you made calls or sent letters.
  • Keep copies of letters in your files.

Get Your Credit Report

Why?

Now that you’ve placed an initial fraud alert, you’re entitled to a free credit report from each of the three credit reporting companies.The credit reporting company that you call will explain your rights and how you can get a free copy of your credit report. Order the report and ask the company to show only the last four digits of your Social Security number on your report.

If you know which of your accounts have been tampered with, contact the related businesses. Talk to someone in the fraud department, and follow up in writing. Send your letters by certified mail; ask for a return receipt. That creates a record of your communications.

When you review the credit reports, you may find unauthorized charges or accounts. Learn how to review your credit report and dispute errors.

How

  • Explain that you placed an initial fraud alert
  • Order a free copy of your credit report
  • Ask each company to only display the last 4 digits of your SSN on the report
  • Record the dates you made calls, sent letters, etc
  • Keep all copies of your letters

Create An ID Theft Report

Why?

An Identity Theft Report will help you deal with credit reporting companies, debt collectors, and businesses that gave the identity thief credit or opened new accounts in your name. You can use the Report to:

  • Get fraudulent information removed from your credit report
  • Stop a company from collecting debts that result from identity theft, or from selling the debt to another company for collection
  • Place an extended fraud alert on your credit report
  • Get information from companies about accounts the identity thief opened or misused

How

  • When you finish writing all the details, print a copy of the report.
  • This report is called an Identity Theft Affidavit.
  • When you file a police report, ensure you bring the Affidavit with you
  • Compile and submit the details of the identity theft
  • Get a copy of the police report or the report number
  • Your FTC Identity Theft Affidavit and your police report make an Identity Theft Report

Jump To ...


Types of Identity Theft

- Credit Identity Theft
- Tax-Related Identity Theft
- Child Identity Theft
- Medical Identity Theft

Helpful Resources

Speak With An Identity Theft Counselor

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Please ensure that you are able to receive e-mails from info@idcommission.com, as we will be sending you an introductory packet via e-mail.



A Life Saver

"My credit was in shambles before I called National Identity Commission. The repair process was fast, and they stayed in touch with me the entire time. Thanks for giving me my life back!"

Jennifer Doherty - Little Rock, AR

5 Days, Back In Business

"So glad a friend of mine shared NIC with me, because I was sure that this identity theft thing was going to have me stranded. I called, and 5 days later I had my credit restored. Can’t say enough!"

Sam Evanson - Chicago, IL