If you have had your ID taken over by someone else, you need to get started fixing it.
Here are 10 basic steps to take if you have been a victim of ID theft.
1. Get started right away. Don’t put it off. The faster you start, the better it will end up for you.
2. Get organized about the process. It’s going to take some time and effort, but you can do it.
3. Place a fraud alert at each of the three credit reporting agencies.
4. File a formal complaint with the Federal Trade Commission.
5. File a police report at your local police station. You will receive a police report number. Save it.
6. Place an extended fraud alert at the credit reporting agencies if your situation runs past 90 days.
7. Contact any business that is specifically involved.
8. Check and formally dispute any errors that are in your credit reports.
9. Place a block on credit report errors that you are disputing with a creditor.
10. Work with the IRS to correct any issues. Be sure you quickly respond to any mail you receive from them.
Nothing on this page should be taken as legal or financial advice. If you are a victim of identity theft, please consult qualified professionals licensed in your state.