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My identity was stolen! What to do...?
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  • If applicable, notify the credit card company of the abuse. Cancel the card and have a new one issued.
  • Notify one of the three major credit bureaus (Experian, Equifax or TransUnion), placing a "Fraud Alert” on your account—this is good for 90 days

Equifax: 1-800-525-6285

Experian: 1-888-EXPERIAN (397-3742)

TransUnion: 1-800-680-7289

  • Shortly thereafter you will receive information in the mail regarding your rights. Be sure to request:

        a) a free copy of your credit report

        b) an extension of the fraud alert for 7 years

        c) request that only the last four digits of your social be included

  • Review each of your credit reports carefully, report fraudulent activity to both the creditor and the credit reporting agency.
  • File a police report and request a hard copy.
  • Copies of the police report and all correspondence should be kept, all mail sent certified "return receipt requested” with the return receipts saved. All this information should be filed and all phone calls logged in case you need to reference them in the future.
  • Consider filing a complaint with the Federal Trade Commission.
  • Regularly monitor account activity and your credit reports for fraudulent activity. Review statements monthly and pull a copy of your credit report from one of the three bureaus every four months. Certain states, including Maryland, allow victims of identity theft to access more than one free report each to help monitor their accounts.
  • Consider a Security or Credit Freeze.

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