Civic Resources

5 Steps to Report Identity Theft – Level 3

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A victim of identity theft could go months before they even notice that something strange is going on. Most victims have to be very proactive in getting their identity back under their control.

Steps you need to take to get your finances and credit back under your control:
1) File an initial fraud alert with a credit reporting agency
To file an alert, you can call one of the three major credit reporting agencies: Experian, Equifax, or TransUnion. Filing a fraud alert is free and will stay on your account for 90 days.

2) Initiate a credit freeze
For even more protection, you might also want to put a credit freeze on file with all three credit reporting agencies.

3) File an identity theft report
File an identity theft report to let federal and local authorities know about the crime…Then, you’ll need to file a police report. You can do this in person at your local police station.

4) Contact credit bureaus and businesses
For each fraud, you’ll need to file a dispute with the fraud department of each credit reporting agency and contact any lenders or collections agencies involved.

5) Place an extended fraud alert
You can also place an extended fraud alert with each of the reporting agencies.
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