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Protect your identity!

27 Oct

Identity theft is a serious crime that can ruin your finances, credit history, and reputation – and it can take time, money, and patience to resolve. Acting quickly is the best untitledway to limit the damage. You need to:

Place a fraud alert

• Contact 1 credit reporting company.

Equifax 1‑800‑525‑6285, Experian 1‑888‑397‑3742, TransUnion 1‑800‑680‑7289

• Report that you are an identity theft victim.

• Ask the company to put a fraud alert on your credit file.

• Confirm that the company you call will contact the other 2 companies.

Placing a fraud alert is free. The initial fraud alert stays on your credit report for 90 days.

Be sure the credit reporting companies have your current contact information so they can get in touch with you. Order Your Credit Reports. Placing an initial fraud alert entitles you to a free credit report from each of the 3 credit reporting companies.

Order your free credit reports

• Contact each credit reporting company.

• Explain that you placed an initial fraud alert.

• Order your free copy of your credit report.

• Ask each company to show only the last 4 digits of your Social Security number on your report.

Create an Identity Theft Report

• Submit a complaint about the theft to the FTC (Federal Trade Commission). When you finish writing all the details, print a copy of the report. It will print as an Identity Theft Affidavit.

• File a police report about the identity theft, and get a copy of the police report or the report number. Bring your FTC Identity Theft Affidavit when you file a police report.

• Attach your FTC Identity Theft Affidavit to your police report to make an Identity Theft Report.

Some companies want more information than the Identity Theft Report includes, or want different information. The information you need to provide depends on the policies of the credit reporting company and the business that sent the information about you to the credit reporting company.

Doc1More detail information can be found at http://www.consumer.ftc.gov/articles/pdf-0009-taking-charge.pdf . Act quickly!