Even if youve been very careful about keeping your personal information to yourself, an identity thief can strike. If you suspect that your personal information has been used to commit fraud or theft, take the following four steps right away. Remember to follow up all calls in writing; send your letter by certified mail, return receipt requested, so you can document what the company received and when; and keep copies for your files.

1. Place a fraud alert on your credit reports and review your credit reports
   Call the toll-free fraud number of anyone of the three major credit bureaus to place a fraud alert on your credit report. This can help prevent an identity thief from opening additional accounts in your name. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will automatically be notified to place fraud alerts on your credit report, and all three reports will be sent to you free of charge.
   • Equifax To report fraud, call:
     1-800-525-6285, and write: P.O. Box 740241, Atlanta, GA 30374-0241
   • Experian To report fraud, call:
     1-888-EXPERIAN (397-3742), and write: P.O. Box 9532, Allen, TX 75013
   • TransUnion To report fraud, call:
     1-800-680-7289, and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

   Once you receive your reports, review them carefully. Look for inquiries you didnt initiate, accounts you didnt open, and unexplained debts on your true accounts. You also should check that information such as your SSN, address(es), name or initial, and employers are correct. Inaccuracies in this information also may be due to typographical errors. Nevertheless, whether the inaccuracies are due to fraud or error, you should notify the credit bureau as soon as possible by telephone and in writing. You should continue to check your reports periodically, especially in the first year after youve discovered the theft, to make sure no new fraudulent activity has occurred. The automated one-call fraud alert process only works for the initial placement of your fraud alert. Orders for additional credit reports or renewals of your fraud alerts must be made separately at each of the three major credit bureaus.

2. Close any accounts that have been tampered with or opened fraudulently
   Credit Accounts
   Credit accounts include all accounts with banks, credit card companies and other lenders, and phone companies, utilities, ISPs, and other service providers.
   If youre closing existing accounts and opening new ones, use new Personal Identification Numbers (PINs) and passwords.
   If there are fraudulent charges or debits, ask the company about the following forms for disputing those transactions:
   • For new unauthorized accounts, ask if the company accepts the ID Theft Affidavit (available at www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf). If they dont, ask the representative to send you the companys fraud dispute forms.
   • For your existing accounts, ask the representative to send you the companys fraud dispute forms.
   • If your ATM card has been lost, stolen or otherwise compromised, cancel the card as soon as you can. Get a new card with a new PIN.

   Checks
   If your checks have been stolen or misused, close the account and ask your bank to notify the appropriate check verification service. While no federal law limits your losses if someone steals your checks and forges your signature, state laws may protect you. Most states hold the bank responsible for losses from a forged check, but they also require you to take reasonable care of your account. For example, you may be held responsible for the forgery if you fail to notify the bank in a timely way that a check was lost or stolen. Contact your state banking or consumer protection agency for more information.

   You also should contact these major check verification companies. Ask that retailers who use their databases not accept your checks.

   • TeleCheck 1-800-710-9898 or 927-0188
   • Certegy, Inc. 1-800-437-5120
   • International Check Services 1-800-631-9656
   • SCAN 1-800-262-7771 - Call to find out if the identity thief has been passing bad checks in your name
3. File a report with your local police or the police in the community where the identity theft took place
   Keep a copy of the report. You may need it to validate your claims to creditors. If you cant get a copy, at least get the report number.
4. File a complaint with the FTC
   By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials track down identity thieves and stop them. The FTC also can refer victim complaints to other appropriate government agencies and companies for further action. The FTC enters the information you provide into our secure database.

   To file a complaint or to learn more about the FTCs Privacy Policy, visit www.consumer.gov/idtheft . If you do not have access to the Internet, you can call the FTCs Identity Theft Hotline: toll-free 1-877-IDTHEFT (438-4338); TDD: 202-326-2502; or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.