Responses to a worst-case scenario.
You find out a crook is using your debit card for ATM withdrawals. Or, someone has used your personal information to open a new credit card. What do you do?
There is much you should do as soon as possible. As a first step, call one of the three credit bureaus (Equifax, Experian, TransUnion) and request a free, 90-day fraud alert; call one bureau, and it will alert the others. Request fraud alerts and extra security or passwords for your bank, investment, and credit card accounts. Change your PINs and online passwords. Soon after these moves, turn to the Federal Trade Commission (identitytheft.com) and fill out their identity theft affidavit, which can generate written form letters for you to mail to banks and credit bureaus. These letters can either request credit freezes or extended fraud alerts. You should mail these letters with a copy of the FTC affidavit and subsequently file a police report (this will aid the banks and credit bureaus). Keep checking your credit card, investment and/or bank statements as time goes by.2
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2 – cleveland.com/business/index.ssf/2017/05/when_someone_is_opening_accoun.html [5/14/17]