Here's an identity theft
solution for you should you ever became a victim. The first thing you
must do is to analyze what your exposure might be and take the necessary
precautions to decrease any further losses. Once you have a clear picture
of where the potential problems exist, you may need to take such actions
as:
Advising any
other individuals or organizations that can be potentially victimized by
the identity thief posing as you. These may include your credit
card companies, banks, credit or loan services, leasing organizations and
companies you interact with (utilities, etc.). Be specific about all
information you have incurred in regards to the identity theft. Utilize
any aid they may be able to offer, and comply with any procedures they may
ask you to do.
It is
most often best to contest bills and statements for goods or services you
know you did not purchase or transacted yourself. This may result in
threats due to the non-payment, but it will also open communication
concerning the fraud.
If you
suspect that a thief is using your identity for criminal activities,
notify the police. Be prepared to share with them any information you may
have that may be useful to their criminal case.
Credit cards must be canceled immediately if you feel the least bit
concerned about their security. Credit card companies will accommodate you
by issuing new cards.
You may
place a "stop" order on your bank account if you suspect your account may
have been accessed without your authorization. This will prevent any
further transactions from taking place and stop the identity thief from
wiping out your bank account.
Advise
your bank if your check books have been stolen or you feel any of the
checks are missing. Your bank will place a stop on unused checks.
If you
bank online, immediately change your PIN and passwords in case they may
have been compromised.
If you
have lost any of your identification such as passport, driver’s license or
employee identification or pass, advise issuers right away and request
replacements.
If
there is a possibility that your computer has been tampered with or
accessed without your knowledge, scan it for spy ware as soon as time
allows it. You should also change any passwords that may have been stolen.
Give
regard to your mail delivery that it is normal and there are no
unauthorized orders of redirection.
Create
a file of everything you determine concerning the identity theft. Document
all correspondence and request full details concerning money owed.
If you still do not feel
secure about the handling of this matter, it is best to hire an identity
theft attorney. If the legal impact of the theft is piling on you then
hiring such a lawyer is highly recommended. In most circumstances,
people and companies will be sympathetic to your being a victim of
identity theft. Approach the situation with tact and calmness and you will
find many who will make an effort to help you.
