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If you suspect misuse of your personal information to commit fraud, take action immediately. Keep
a record of all conversations and correspondence when you take the following suggested steps:
- Contact your bank(s) & credit card issuers immediately so that the following can be done:
- access to your accounts can be protected; stop payments on missing checks; personal identification
numbers (PINs) and online banking passwords changed; and a new account opened, if appropriate.
- Be sure to indicate to the bank or card issuer all of the accounts and/or cards potentially impacted
including ATM cards, check (debit) cards and credit cards. Customer service or fraud prevention
telephone numbers can generally be found on your monthly statements.
- Contact the major check
verification companies to request they notify retailers using their databases not to accept these stolen
checks, or ask your bank to notify the check verification service with which it does business.
Three of the check verification companies that accept reports of check fraud directly from
consumers are: Telecheck (800) 710-9898, International Check Services (800) 631-9656 and
Equifax (800) 437-5120.
- File a police report with your local police department. Obtain a police report number with the
date, time, police department, location and police officer taking the report. The police report may
initiate an investigation into the loss with the goal of identifying, arresting and prosecuting the
offender and possibly recovering your lost items. The police report will be helpful when clarifying
to creditors that your are a victim of identity theft.
- Contact the three major credit bureaus and request a copy of your credit report.
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Review your reports to make sure additional fraudulent accounts have not been opened in your name or
unauthorized changes made to your existing accounts. Check the section of your report that lists
'inquiries'.
- Request the 'inquiries' be removed from your report from the companies that opened
the fraudulent accounts. In a few months, order new copies of your reports to verify your
corrections and changes to make sure no new fraudulent activity has occurred.
- Request a 'fraud
alert' for your file and a victim’s statement asking creditors to call you before opening new accounts
or changing your existing ones. This can help prevent an identity thief from opening additional
accounts in your name.
- Check your mailbox for stolen mail. Make sure no one has requested an unauthorized address
change, title change, PIN change or ordered new cards or checks to be sent to another address. If a
thief has stolen your mail to get credit cards, bank and credit card statements, pre-screened credit
offers or tax information, or if an identity thief has falsified change-of-address forms, that’s a crime.
Contact your local post office and police.
- Maintain a written chronology of what happened, what was lost and the steps you took to
report the incident to the various agencies, banks and firms impacted. Be sure to record the date,
time, contact telephone numbers, person you talked to and any relevant report or reference number
and instructions.
Important Contact Information:
As always, you can
contact us with any questions or concerns that you have.
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