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Guidelines to Follow When Are the Victim of Identity Theft

Every year millions and millions of people have their identity stolen. To be a victim of identity theft is stressful and devastating. Being in an identity theft situation is always nerve-racking. Beyond everything we need our proof of identity to protect for most important section of our adult life like purchasing a home, buying a car, and opening a credit account among many other. This brings us to the big question, what will you do if you fall victim to identity theft. The good news is that the guide below will talk about identity theft protection and the right steps to take when you fall victim, read more here.

The first essential step is to let your creditors and banks know. Many banks and even creditors will take the necessary protection measures once they know that you as their cardholder have been victimized. Upon contacting your creditors and bank, they will be able to talk to you about the policies and protections measures they will take so you know what to expect.

Another action you should take upon realizing your identity has been stolen, is to freeze your active credit. The moment you realize you are in an identity theft situation and have fallen victim to online fraud or credit fraud the best move is to freeze your credit. It helps lock all that information away which will prevent agencies from giving your credit report to other creditors. In the freezing process you will be asked to create a pin that will be used to later lift the freeze so make sure you keep a record of all that information to avoid confusion and delays in the future. The most important tip here is to place a fraud alert and also freeze your credit to protect yourself much more.

The other step to take if you find yourself a victim of identity theft is to report it to the federal trade commission and personal lawyer. Whether via a phone call or online, contact the federal trade commission to let them know of your identity being stolen and provide as many details as possible. The advantage of reporting to the federal trade commission is that they will provide a helpful recovery strategy as well as give you proof someone has indeed stolen your identity. A good idea will be to ensure you keep a copy of both the items as you inform the police, banks, and creditors. Also consider seeking the services and help a lawyer, check this service. Ensure that the lawyer you are seeking help from has great credibility. Ultimately, this is what you should do when you fall victim to identity theft.