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Questions & Answers > Identity Theft > What will your course of action be in case you get to know from your creditor or by carefully scrutinizing your credit report that somebody has stolen your identity?

What will your course of action be in case you get to know from your creditor or by carefully scrutinizing your credit report that somebody has stolen your identity?

By Derek Brown
Published: Friday, March 12th, 2010

The first and foremost thing that should be done is to report the identity theft crime to the authorities and attain a copy of your case number. Many of the credit card companies, monetary institutions as well as others will definitely ask you for this number in order to ensure that the crime has occurred in actuality.

Then you should immediately get in touch with credit card issuers, shut all your existing credit accounts along with that get hold of replacement cards having new account numbers as soon as possible. Ensure that your previous account shows that it was on your request it was closed in the credit report. Following up your conversation on telephone with letters is a wise idea which clearly sums up your request.

Close the account which has been opened by the thieves. In case you open any new account ensure that you make a special request for passwords to be valid only on those accounts. Besides, select a password that is not common and can be easily hacked by others. Do not make use of passwords such as the maiden name of your mother, digits from your social security number, and others.

Next report the matter of your credit numbers being stolen to the credit reporting bureau’s fraud units such as Experian, TransUnion, as well as Equifax. Ask them to flag fraud alert on your accounts. This indeed suggests that no new account can be formed in your name without being intimidated by the creditor on the number you have given. However, the drawback of this will be that you will not be able to lay your hand instantly on instant credit in case you require at any of the departmental stores. This flag is also referred to as victim’s statement is one of the best means to put off unauthorized accounts.

Ensure that you maintain a track of all your conversation with the authorities as well as monetary entities along with retaining a copy of documentation that you render them. In case somebody has used your social security number, then report it in the Social Security Administration’s office. Keeping all these measure’s in mind you will surely be able to prevent identity thefts in future.

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