Identity Theft
By Kristen Penner, Family Resource Management
Have you been a victim of identity theft? There have been lots of fraudulent claims for unemployment in the recent months which can cause lots of stress for those affected. Knowing what to do is very important if you feel your identity has been compromised.
The first step is trying to verify if the fraud is in fact fraud. Contact the company the fraud has occurred and verify that your information has been used by someone else. If it indeed that your account has been compromised request that a freeze or hold is placed on your account with the company. Then, no one can add new charges unless you agree.
Second, place a fraud alert and get a copy of your credit report. You will need to contact one of the three credit bureau’s Experian, TransUnion, or Equifax to have a hold or freeze placed on your account. The credit bureau that you contact will notify the other two agencies. Review your credit report and make sure there aren’t any fraudulent transactions. If there is make sure you file a claim for those.
Third, contact you banking institutions to make them aware that your identity has been stolen. They can help monitor your accounts and stop any transactions.
Fourth, report to the federal Trade commission giving as many details as possible.
Unfortunately having your identity stolen can cause lots of stress and financial strain for a person. Being pro-active and getting things reported in a timely manner can help stop the fraud before it gets totally out of hand.
For more information, visit
http://www.consumer.ftc.gov/features/feature-0014-idenity-theft
