If You Think it's Happened
Action Steps
A lost wallet, late bank statement or the dreaded "breach notification letter" doesn't mean your identity has been stolen but it has been compromised and you'd rather be safe than sorry.

If you use an identity protection service, alert them to the potential compromise.

If you suspect that your mail is being diverted to another address, check with your local post office to see whether an unauthorized change of address form has been filed under your name.

Call the relevant institution if a statement does not arrive in the mail as scheduled.

Contact the bank, credit card company or other financial institution right away to alert them if you receive bank statements that include transfers or withdrawals you do not remember, checks are missing from your checkbook, new checks do not arrive in the mail or if your checkbook, credit cards and/or ATM card has been lost or stolen.

Close compromised account(s) to prevent unauthorized access.

Place a fraud alert on your credit by contacting one of the three major credit bureaus:
 

Equifax
800-525-6285
P.O. Box 740241, Atlanta, GA 30374-0241

Experian
888-EXPERIAN (397-3742)
P.O. Box 9532, Allen, TX 75013

Transunion 800-680-7289
Fraud Victim Assistance Division
P.O. Box 6790, Fullerton, CA 92834-6790

The fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert, and the alert will remain on your credit report for 90 days.

 


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