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How To Recover From Identity Theft
Having your identity stolen can make you feel mad and violated. If you have excellent credit on top of that then you probably feel scared. There are certain things you must do as soon as you realize what happened. So, if you've experienced this crime you'll need to know how to recover from identity theft.
The Federal Trade Commission (Consumer Protection Division) is the agency that keeps track of identity theft and its victims. Identity theft is a big business and with our economy in shambles, it's only going to get bigger. There are many people right now who do not know that their identity has been stolen. So, here are some tips on how to recover from identity theft.
First you must contact the police. You'll need that police report down the line. In fact, keep it forever. Next, request an extended alert on your credit report from all 3 credit reporting agencies. An extended alert will remain on your report for 7 years compared to an initial alert which lasts 90 days.
It's been advised to cancel all credit cards that you don't need. Call each company and request closure of your account. Make sure they document the conversation by sending you a letter stating "account closed by consumer". Keeping extra credit cards just increases your risk of being a victim.
Also, contact your bank to flag your account. Choose an amount and tell the bank to contact you when an amount higher than that has been withdrawn. If you have access to your account online, check your balance daily. Many people have discovered a discrepancy early which helps the bank to recover the money. Not to worry, you will be reimbursed within 24 hours.
Start being more vigilant of your surroundings. Make sure no one can tamper with your mail. Get off of mailing lists with credit card companies. Many people have had their identity stolen by someone talking on a cell phone which also doubles as a camera. It's a given that most identity theft victims never know how or when they've been victimized.
If you have a good or excellent credit score you have more to lose than the average person. Credit will be extended more readily to someone with a great credit history. So that makes you the type of person identity thieves consider a goldmine. So the time to take action is now. Don't become oblivious to what the world is telling you. Protect your name and your rights.
It's sad to say, but it is what it is. The latest statistics say that every 2 seconds someone becomes a new victim of identity theft. So whether you've been a victim or not, protect yourself before it happens. Learn how to recover after identity theft and put these people out of business.
About the Author Hi, my name is April. If you've been violated, there are definite ways to quickly recover from identity theft. Take action immediately. Please check out my website at www.savemoneysavetimenow.com.
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