to do if your personal information has been lost or stolen
Place a Fraud Alert on your credit reports.
P.O. Box 740241, Atlanta, GA 30374
P.O. Box 9532, Allen, TX 75013
Fraud Victim Assistance Division, P.O. Box 6790,
Fullerton, CA 92834
Once you place the fraud
alert in your file, you’re entitled to order free copies
of your credit reports, and, if you ask, only the last
four digits of your SSN will appear on your credit
An initial alert stays on
your credit report for at least 90 days. You may ask
that an initial fraud alert be placed on your credit
report if you suspect you have been, or are about to be,
a victim of identity theft. An initial alert is
appropriate if your wallet has been stolen.
An extended alert stays on
your credit report for seven years. You can have an
extended alert placed on your credit report if you’ve
been a victim of identity theft and you provide the
consumer reporting company with an “identity theft
Close the Accounts that you know, or believe, have
been tampered with.
Close accounts immediately. When you open new accounts,
place passwords on them. Avoid using your mother’s
maiden name, your birth date, the last four digits of
your Social Security number or your phone number.
- Call and speak with
someone in the security or fraud department of each
company, and follow-up in writing including copies (NOT
originals) of supporting documents. Send your letter
certified mail with a return receipt requested.
- If the identity thief
has made charges on your accounts, or fraudulently
opened accounts, ask the company for the forms to
dispute those transactions.
- If the company already
has reported these accounts or debts on your credit
report, dispute this fraudulent information.
File a report with your local police department or the
police in the community where the identity theft took place.
- Then get a copy of the
police report, or at the very least, the case number of
- It can help you deal
with creditors who need proof of the crime.
File a complaint with the Federal Trade Commission.
-FTC’s Identity Theft
Hotline: 1-877-IDTHEFT (1-877-438-4338)
-Or you can write to the
Identity Theft Clearinghouse, Federal Trade Commission,
600 Pennsylvania Avenue, NW, Washington, DC 20580.