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Identity Theft: What to Do If Your Credit Card or Identity is Stolen

No one ever thinks that he or she could become the victim of identity theft, or that someone could steal their credit card number, but it happens all the time. If you are a victim, then it is important to take action as quickly as you can in order to reduce the amount of damage that the thief could do. Here are some good tips you should consider using to get your life back to normal.

Contact the Credit Card Companies and Credit Agencies

If someone steals your credit card or the number, report it to the credit card company immediately. Have them cancel the card and go over the most recent transactions with them so you can determine what were yours and what weren’t yours. If you feel that someone has stolen your identity, you need to report it to one of the credit reporting agencies fraud departments. You can contact Equifax, Experian, or TransUnion. When you contact one of the agencies, they will report the incident to the other agencies for you, so you only have to contact one of them.

Contact your Lenders

In addition, it’s a good idea to get in touch with your lenders and banks if you feel someone has stolen your identity. You can close out your current accounts and open up new ones so you do not have to worry about someone trying to get loans or credit in your name.

Get a Credit Report

If you are a victim of identity theft, you can get a free credit report, and it is important that you get one. When you receive the report, look it over carefully for any changes that do not make sense. For example. Look for changes to your name, DOB, address, and other pertinent info. Look for accounts you didn’t open, and debts that you do not understand.

It’s a Crime, so Report It

Identity theft, and stealing and using your credit card number are crimes, and you need to report them to the police. This provides proof of the crime, and it could be helpful when you are trying to prove to the credit companies that someone stole your information.

Be Patient! It Takes Time and Effort

Dealing with this sort of intrusion into your life is never easy, and it takes a lot of work and patience to get things back to normal. Work with the credit card companies and the credit reporting agencies to remove the fraudulent charges, and things will eventually return to the status quo.

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