File a report with your local law enforcement. You will need information
from the police report to straighten out your credit and accounts
after the crime. Make sure to get the police report number and give
this information to all companies you contact in getting your credit
3. Contact the Credit Bureaus
Contact the fraud departments at each of the three credit bureaus:
Equifax (800) 525-6285
Experian (888) 397-3742
TransUnion (800) 680-7289
Get all three agencies to flag the accounts with a "fraud alert."
Find out how long the fraud alert will remain on your report and how
to extend that time, if needed. Ask that all creditors contact you
at a phone number you provide to verify all future applications.
Add a "victim’s statement" to the report.
Have each credit bureau send you a copy of your report to help guide
you in tracing where and when any fraud occurred to your accounts.
Send a dispute letter to the credit bureaus telling them what information
is inaccurate. Credit bureaus must investigate the items in question,
usually within 30 days, unless they consider your dispute frivolous.
In a few months, order new copies of your reports to verify corrections
and changes, and to make sure no new fraudulent activity has occurred.
4. Contact Credit Card Companies
Close any affected accounts so they’re registered as "Closed
at customer request."
Send dispute letter telling the credit card issuer what information
Get new accounts and protect accounts with passwords.
Follow up with a letter documenting the date, the name of the person
who helped you, and what actions were taken.
5. Contact Your Bank / Broker
Cancel checking and savings accounts and open new ones.
Stop payments on outstanding checks.
Get a new ATM card, account number, and PIN.
If you believe that a thief has tampered with your securities investments
or a brokerage account, immediately report it to your broker/account
manager and to the Securities and Exchange Commission (202-942-8088).
6. Contact Major Check Verification Companies
If your checks have been stolen or misused, contact these major check
verification companies for these services:
To request that they notify retailers who use their databases not
to accept your checks, call:
Certegy, Inc. 1-800-437-5120
Global Payments 1-800-766-2748
To find out if an identity thief has been passing bad checks in
your name, call:
7. Contact Government Authorities
Contact other authorities that specialize in identity theft. The
FTC runs the ID Theft Hotline and the ID Theft Data Clearinghouse:
FTC ID THEFT HOTLINE: (877) IDTHEFT (438-4338)
If your Social Security number has been compromised, report it to
the Social Security Administration:
SOCIAL SECURITY FRAUD HOTLINE: (800) 269-0271
If any mail was used in the fraud, contact the U.S. Postal Inspection
Service. This agency is helpful if any fraudulent utility bills or
apartment leases show up on your credit report:
U.S. POSTAL INSPECTORS: (800) 372-8347
Town & Country Bank 405 East St. George Boulevard St. George, Utah 84770 435.673.1150