Combating Identity Theft


Identity theft occurs when someone obtains key pieces of your personal information and impersonates you.  The culprit is able commit numerous forms of fraud against you including taking over your financial accounts, opening new bank accounts, purchasing merchandise, and  applying for loans and credit cards. 


The following tips are provided should you discover you are a victim of identity theft.


Keep detailed notes


 


Report the crime to the police


 


Notify credit bureaus


Contact the three major credit bureaus.  They will alert you to any other attempts.


Equifax
P.O. Box 740256
Atlanta, GA 30374
(800)-685-1111
Web site: www.equifax.com



Experian
PO Box 2002
Allen, TX 75013
(888) 397-3742
Web site: www.experian.com



TransUnion LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
Web site: www.transunion.com


Notify your financial institution


 


Notify other institutions


 


Restoring your credit


Clearing up your credit is in your hands.  Merely reporting the matter to the police is not sufficient.  You are the only person who can clear your credit history.  Take control by taking prompt action.  Persistence pays off. 


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