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Credit Repair

5 Signs Of Identity Theft

Identity thieves are constantly on the look out for new victims. Their favorite targets are people who are not truly aware or suffer from the false belief that identity theft could never happen to them. Here are five signs that your identity has been stolen followed by a few things that you should do after you notice.

Signs

  • You stop receiving bills, bank statements, or other mail.
  • You are denied a credit card, a loan or a mortgage, even though you have an excellent credit history.
  • You receive bills for goods or services you didn’t buy.
  • You start receiving calls from collection agencies about bills you are unaware of.
  • You file your tax return only to be notified the the IRS already has a return in your name and social security number.

What To Do

  • Place a fraud alert on your credit reports. You only need to contact one credit bureau and the others will be automatically notified.
  • Get a copy of your credit report from each credit bureau. You are entitled to a free report after you place a fraud alert. Look for fraudulent charges.
  • Notify your bank, creditors and utility companies about any affected accounts. Speak to someone in the security or fraud department; follow up in writing.
  • Call 877-IDTHEFT or visit FTC.gov to alert the Federal Trade Commission.
  • File a police report. This will help with uncooperative creditors.

Of course, you may also want to start exploring the offerings of credit repair companies in your area, as identity theft is terrible for your credit score.

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