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If a thief steals your identity and begins racking up debt. Clark Howard says do this
INFORMATIVE 
Tags: Identity theft, fraud, crime
Oh I lost my identity I have been name deflowered. What could suck worse?: Not being able to catch the idiots who did it.. But if it does happen, do this say radio guru Clark Howard
| | If a thief steals your identity and begins racking up debt: |
| | A) Contact the fraud units of the three credit reporting agencies. Request that your account be flagged and add a victim's statement saying, "MY ID has been used to fraudulently apply for credit. Call me at this number to verify all applications." Find out how long the fraud alert will be posted and how to extend it if you need to. Check your credit report and look for items you don't recognize. |
| | B) Contact your credit card companies and financial institutions to report the fraud. Get new cards, have old accounts colsed with a memo stating, "account closed at customer's request." Follow up in writing. |
| | C) Call the police and get the crime on record, then get a copy of the police report. Keep a log of all conversations including date, name, phone number, and the information provided. |
| | D) Notify the Federal Trade Commission, which keeps a database of identity thefts. Phone: (888) FTC-HELP; Address: FTC, CRC-40, Washington D.C. 20580. |
| | E) Notify you bank and if necessary, cancel checking and savings accounts and get new account numbers. Request a password that may be used in every transaction. Get a new ATM card, account number and password. Don't use your SS # or birthdate as a password. |
| | F) Don't pay any bill or part of a bill resulting from identity theft. |
Lister:
rick
Source:
Clark Howard
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