Tag: identity theft

If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. Your protection against unauthorized charges depends on the type of card — and when you report the loss.

Report Loss or Theft...

 

This sample letter will help you dispute fraudulent charges on your existing accounts. The text in brackets indicates where you must customize the letter.

Remember to include copies of the applicable...

A thief may use your name or health insurance numbers to see a doctor, get prescription drugs, file claims with your insurance provider, or get other care. If the thief’s health information is mixed with yours, your treatment, insurance and...

Ask 1 of the 3 credit reporting companies to put a fraud alert on your credit report. They must tell the other 2 companies. An initial fraud alert can make it harder for an identity thief to open more accounts in your name. The alert lasts 90...

If an identity thief steals your paper checks, uses the account number from the bottom of your checks, or opens a new account in your name, contact your bank or financial institution as soon as possible and ask them to close your account.

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Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance.  

If you suspect that someone is...

If errors on your credit report result from identity theft and you have an Identity Theft Report, ask the credit reporting companies and business to block the disputed information from appearing on your credit reports. The credit reporting...

If you find mistakes when you review your credit reports, send letters explaining the mistakes to the 3 credit reporting companies and the businesses involved.

What To DoWhat Happens NextWhat to Do

Here's how to start the process:

Write...

Protecting your personal information can help reduce your risk of identity theft. There are four main ways to do it: know who you share information with; store and dispose of your personal information securely, especially your Social Security...

A debt collector may contact you if an identity thief opens accounts in your name and doesn’t pay the bills. To stop contact and collection action, get in touch with the debt collector, the business that opened the fraudulent account, and the...

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