Identity Theft Recovery
Step 1: Call the companies where you know the fraud occured
- Call the fraud department. Explain that someone stole your identity.
- Ask them to close or freeze the accounts. Then, no one can add new charges unless you agree.
- Change logins, passwords and PINS for your accounts
Step 2: Place a fraud alert and get your credit reports
- Place a free, one-year fraud alert by contacting one of the three credit bureaus. That company must tell the other two.
- Get your free credit reports from Equifax, Experian, and TransUnion. Visit Annual Credit Report or call 1-877-322-8228.
Step 3: Report identity theft to the Federal Trade Commission
- Complete the online Identity Theft form or call 1-877-438-4338. Include as many details as possible.
Step 4: Go to your local police office with:
- a copy of your FTC Identity Theft Report
- a government-issued ID with a photo
- proof of your address (mortgage statement, rental agreement, or utilities bill)
- any other proof you have of the theft (bills, IRS notices, etc.)
- Tell the police someone stole your identity and you need to file a report. Ask for a copy of the police report.